vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received a mailer from Chase notifying me that I was invited to receive a Chase credit card ; the language on the mailer said " complete your certificate '', " mail your invitation '', " request your card today ''. Nowhere on the mailer did the words " apply '' or " application '' appear, so I was led to believe that the card was mine, and all I had to do was request it. When I did so, Chase checked my credit report and denied me the card! 

Chase went out of their way to hide that this was, in the end, a credit card application, rather than some kind of automatic, pre-approved offer. **This is clearly a case a misleading/deceptive advertising. ** If I 'm being asked to apply for a card, the word " apply '' should appear somewhere on the letter! 

When I spoke to them over the phone, they insisted that this was an " invitation to apply '', even though the word " apply '' appeared nowhere on the letter I received! If I had known that *denial* was even a possibility, I would n't have responded to the letter - it 's not worth the negative hit on my credit score. 

I am happy to send the CFPB a copy of the letter I received from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently filed a complaint with the CFPB ( Case number : XXXX ), alleging that Chase Bank failed to stop a fraudulent withdrawal of {$2200.00} ( see attached document ). In that complaint, I noted that Chase failed to block a fraudulent withdrawal from my account. In the response below, Chase contends that there is only " a timeframe of 24 hours to attempt any recover of funds. '' They also contend that my claim was n't filed until XXXX XXXX. Please see attached phone record that shows on XXXX/XXXX/16 at XXXX, I placed a 15 minute call to customer support ( XXXX ). I have asked Chase for the details of this call and they informed me that they do not save phone records for longer than 30 days. On this call, I notified Chase that there was fraudulent activity on my account and I wanted the payment stopped. 
" If a business has a contractual agreement with a merchant and they present an ACH payment to your account, we only have a timeframe of 24 hours to attempt any recovery of the funds. When you filed your claim on XXXX XXXX for the payments, we were already passed our allotted timeframe. Based on this information and that you have had previous business with the merchant, your claim was denied and that decision remains the same. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
an employee at chase bank removed my name from a joint account that i had deposited {$30000.00} a month before. the employee at chase signed as a witness on a chase bank signature card that had been forged by the joint owner to remove me from the account. the signature card required notary and non was done. the signature card has one forged signature by the joint owner who is being charged with forgery. the bank employee who signed as a witness that he verified my id and witnessed my signature signed and removed my name from the account. i was able to get a copy of this signature card over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While traveling in XXXX, I intended to make a purchase from a local merchant. During the transaction, I noticed the merchant charged me for items I specifically refused to purchase. Indeed, I denied him several times until he stopped trying to sell them to me, saying " Okay, okay. Just the {$270.00} '' ( for XXXX shirts I was buying ). I caught him trying to pull this " fast one, '' charging me {$310.00}, by stating the sale was for the {$270.00} charging the increased amount and hoping I would not notice. I cancelled the sale, did not sign and reported the incident to Chase. I noted this was fraud and it might continue so I also requested a hold put on my credit card. Two weeks later when I returned to the US, I found Chase processed this charge I reported as a fraud and I was now financially responsible. 
I called to report it again and inquire why I was charged. I was given a lot of vague excuses and told they could not do anything about the charge. It would stand on my account and I would continue to be responsible - after twice informing them it was fraudulent. I was asked to call back a third time, during EST day-time hours! 
When I returned the call to a supervisor, they again refused to remove it, saying I should dispute the charge, one that should never have been placed and one I asked to prosecute as fraud as the merchant was clearly deceptive and criminal in his actions and should be reviewed thoroughly before being allowed to process cards freely, something I would gamble he has abused often to the cost of other Chase/Visa customers. 
I spoke with a supervisor who also advised me the charge would stay on my account and then defended the merchant without even knowing them, condoning their frauds and confirming their ability to further defraud other Americans or other foreigners in the future. 
As of today, I have called them three times, including the first notice of fraud. The charge is still on my account and the merchant still has carte blanche to abuse the next non-suspecting American to be abused in XXXX while Chase deliberately ignores these frauds, even supporting them according to the accounts supervisor I last spoke with at Chase. 
Relevant info : Merchant : XXXX XXXX, XXXX, XXXX, charge on XXXX ; {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Chase CC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I put a {$1000.00} down payment on a auto-cycle ( XXXX wheel scooter that is enclosed ) using a Chase card on XXXX XXXX, XXXX. At the time of the transaction the ship date for the product ( it had not been produced yet ) was fourth quarter XXXX. I contacted chase bank to initiate a dispute on the good not received, and they informed me they would be unable to due so due to over 500 days passing from the date of transaction. I informed them that the product was not expected until 4th quarter XXXX, so the clock for when to dispute should not have begun sooner than when the product was expected to be delivered. Chase is refusing to open a dispute, and has agreed that I have " no protections '' for this purchase from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: CA

Complaint narrative:
XXXX credit reporting service reduced my credit score by more than XXXX points in XX/XX/2015, dropping it from the high XXXX to the XXXX. My credit report states that I was XXXX days late paying a student loan from XXXX University from ACS. The monthly payment was XXXX. I used my XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for XXXX month in XX/XX/2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. I believe there was a either a systemic IT failure in XXXX automatic payment system or a similar failure in ACS 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX, ACS, or XXXX about the deliquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past XXXX years. These missing payments from ACS are a clear abberation from this trend. 

Moreover, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to ACS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

I can only guess why loss any of the XXXX aforementioned organizations could have reported by account delinquent, but I suspect it was due to a systemic IT failure among XXXX of the involved parties. Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My consumer credit report is reporting incorrect information for a Chase card that was closed as of XXXX. The debt to the creditor was discharged on XXXX/XXXX/16, and they were advised of this, XXXX credit-reporting shows the condition of the account to be derogatory as well as a revolving account, and after speaking to multiple reps at chase on XXXX/XXXX/16 they are advising that the account shows charged off, and debt still owed to me in their system. As this information is incorrect and this is no longer a debt and is also XXXX old and should not be showing on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a mortgage with Chase. It is a XXXX MORTGAGE. Chase stated that they were sending me all of my information that I requested from them regarding validation of the amount they are stating that I owe them. What they are claiming I owe is wrong, Chase did not send the validation, they just keep sending the exact same bogged up screen-print that they invented. The information is false. Now I just got a letter from Chase stating that my mortgage was sold to Chase. They are plotting to steal my home. Each time I was promised a modification by Chase They raised the payments instead of lowering them. Now I got a letter in the midst of this process stating that they are filing for foreclosure. Chase has illegally stolen the equity out of my home. I want justice. Chase did not report many of my full payments made to them. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/2016, I was notified that my rates would be changing as my IDR was expiring in XX/XX/XXXX ( even though I applied/was approved on XX/XX/2016. I figured I would take the time to reapply anyway as to be ahead of the curve and not have to deal with any issues last minute. I received notice from Navient on the XX/XX/2016, via email stating " Your IDR renewal has been approved. '' The email went on to say " We 'll send you notification advising you of your new payment amount after your current plan expires on XX/XX/2016. '' I have yet to receive any sort of email notifying me of such, and upon logging onto their website today for tax purposes have noticed starting next month I have a payment amount of $ XXXX/month which needless to say, I ca n't afford, hence, why I applied for the IDR. As far as I can tell, no actions have been taken on their behalf to uphold my renewal, and I am still in the original IDR that was put into effect on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Debt collectors have provide and report inaccuracy information not belonging to me all three mayor credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. 
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. 
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: MA

Complaint narrative:
Nelnet, my loan servicer, has been actively preventing my payments from going through the way I want them to. I have had special standing instructions for my auto-debit to apply all extra funds to the loan with the highest interest rate, but this is the second time they 've been " misplaced '' after my payment goes through. I have no way of viewing these instructions or verifying that they 're being followed until way after I make my payment without calling Nelnet. Access to the proper information is buried way too deeply on the site. They keep using their own way of applying funds where they " catch up '' my lower interest loans to where my higher interest one is in my payment schedule, then I have to spend about 1-2 hours every single month correcting the problem with them. Their website does not show any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase instructed their servicer XXXX to deny the short sale after XXXX verbally informed me that because the offer recieved was so much higher than their BPO, we would not have a problem getting the short sale approved. When we asked XXXX why the short sale was approved, we were told that the reason is because the homeowner had only been 1 month late. This was after we submitted the homeowner 's financial documentation showing that due the the homeowners medical situation ( recovering from XXXX ) he would be unable to make the mortgage payments to the first & second lender on top of a $ XXXX a month HOA payment. When we asked XXXX if things would be different should the homeowner be significantly delinquent, I was told yes. Now, XXXX has once again forced the homeowner to apply for a DIL after we were told he wouldnt qualify. In the meantime, the homeowner has become aware that in the state of California, if he does do a XXXX, he will owe taxes on the deficiency whereas if he does a short sale he will not. In addition, a DIL will show up as a foreclosure on his credit and he could be facing taxation from the IRS and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: CA

Complaint narrative:
After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. 

Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Someone called me from paramount recovery systems, they informed me that they were calling with the above stated business then they told me they need to verify my name and last XXXX numbers of my social security number. I told them I would not give them that information over the phone. They told me they could not give me any more information unless I verified this information. I hung up the phone at that time. Not once did he say he was calling to collect a debt. I did not know they were a debt collection agency until after the call, when I Google the name he gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I have a loan from XXXX credit from 14 years ago that I defaulted on in my younger years. I have heard nothing of this debt in at least 8 years, this is no longer on my credit report, I have not received any letters for an attempt to collect, they have not contacted any of my previous employers, an out of the blue on XXXX XXXX XXXX the payroll department of my current employer received a subpoena from a lawyers office by the name of Rubin & Rothman LLC demanding information on my pay. This debt is from XXXX/XXXX/XXXX, almost 14 years old and from what I understand the statue of limitation for the state of NY is 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I received a statement from Cedar Financial for an outstanding balance owed to XXXX University. The original amount was {$1700.00}. I set up payments and have paid on-time. As of XXXX XXXX, 2015 the balance was {$1500.00}. Then I received a letter dated XXXX/XXXX/2015 stating the balance was {$670.00}. I contacted the account manager, who stated the letter was incorrect and the balance was {$1000.00}. As of today XXXX XXXX/XXXX/2015 XXXX, I have paid {$870.00} towards the balance ; however Cedar Financial states I owe {$1000.00}. They are claiming I owe a {$25.00} return check fee. Today, I received an email from the account manager stating my total payments as of XXXX/XXXX/2015 are {$820.00} and not {$870.00} XXXX which I have a record of ). They also stated I can settle the loan with XXXX University for {$660.00}. When I contacted XXXX, they stated the unpaid debt was bought by Cedar Financial and they control the settlement offers. The XXXX representative stated they have no more interaction with account due to Cedar Financial purchasing the bad debt. I am concerned that the collection company is not only trying to collect the wrong amount but also presenting misleading information. I was also able to print my statement from the university which shows the original amount was {$1500.00}, therefore, I am not sure where the other {$200.00} derives from. In addition, I have attempted to negotiate a settlement on this account twice no avail. I am attaching all emails and letters to support my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
My mortgage company took money out of my account two days before I had it scheduled. They cashed a check that was dated XXXX/XXXX/16 on XXXX/XXXX/16 causing my account to be overdrafted.

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