BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/2017 I contacted NelNet via their website chat feature to ask what would happen if I made my monthly student loan payment early ; specifically, would the auto-debit still be deducted. I was informed that because it was an income-driven repayment plan, the auto-debit would not be deducted. I have a copy of this chat transcript. The amount in question is {$720.00}. Based on this advice, I went ahead and made my payment early. 
On XX/XX/2017 - I received an e-mail informing me that an auto-debit in the amount {$1200.00} would be coming out of my account on XX/XX/2017. This alarmed me, because I am used to payments in the {$720.00} range. I have a copy of this e-mail. 
On XX/XX/2017 I contacted NelNet via their chat feature. When I asked about the amount mentioned in the e-mail I was told it was an error and that I can could disregard it. I asked about the auto-debit being active. I was informed that an auto-debit will always be active, regardless of manual payments made previously in the month. This information is in direct contrast to the information received on XX/XX/2017. Based on this information, I went ahead and deactivated my auto-debit - as I do not want to make an additional payment - whether it be for {$720.00} or {$1200.00}. 
I am concerned about the accuracy of information I am receiving from NelNet - I do not believe I am being serviced with care - which of these " stories '' is accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
I have been charged interest twice when I paid off an account before the end of the statement due date. ( Chase Card ) EX : I owed {$10000.00} due XXXX XXXX I paid XXXX in various amounts before the due date. 

I was charged interest of {$64.00} Upon calling the supervisor to ask about this I was told this was residual interest from a XXXX statement that I owed. I then asked what I then owed and was told {$980.00} and they would give me {$6.00} + in credit and redeem my earned points. I paid the XXXX that the supervisor told me I owed before the due date of XXXX XXXX anbd when I called the bank today to make sure I had a XXXX balance there was yet another interest charge of {$35.00}. I called a supervisor again today and XXXX the supervisor told me it was residual interest since I talked to XXXX the supervisor on or about XXXX XXXX. 

I thought you could not be charged interest if an accont was paid off in full before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a bank account at Chase for about 7 or 8 years. I have filed a number of claims regarding double payments to XXXX with the Debit Card and a Credit Card. The merchant XXXX has been refunding the amounts as expected, it seems more from my efforts than those of Chase. I was told on or about XXXX XXXX, 2015, that the Claims Department was going to close the account without explanation and I would be getting a letter as such. I have never received the letter and the account is now restricted but not yet closed based on the information the Claims Department gave me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card
Issue: Billing statement

Complaint:
Chase credit cards set up their due dates to occur on Saturdays, and Sundays frequently during the year. If I set up and automatic bill pay with my XXXX account with two-day delivery on a Thursday to arrive on Friday, and the due date is either on a Saturday or a Sunday Chase will not recognize the payment arrived on Friday ( evening ) and charges late fees and interest. This is a ridiculous business model and cheats the consumer by allowing them to charge late payment fees, exorbitant interest fees, etc. If the due date is on a Saturday or a Sunday on the billing statement Chase and all banks should have the required staffing to receive the payments. Otherwise, they should record all payments received Monday morning as arriving by the weekend due date. This is a blatant banking practice and the CFPB has done nothing to stop this practice which is unfair and harmful to consumers. The best description of my issue includes billing statements, late fees, other fees and interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My minimum payment is {$210.00} which is spread across groups XXXX and XXXX. I have an auto payment set up of {$300.00} which is to be applied to all groups minimums with the extra ( {$84.00} ) being applied to Group H. On top of this auto payment, I pay an additional {$1000.00} every month around the XXXX of every month. This extra payment is to be applied entirely to Group XXXX, which is my highest interest bearing group. This has been set up in my account in XXXX of XXXX. Since this time my auto payments have been misallocated to the incorrect groups causing my account to reflect an amount past due and accruing interest on the incorrect balance. This same issue has accrued twice now with the first time happening in XXXX of XXXX and now the same issue is occurring XXXX XXXX. The fist occurrence was " resolved ' by contacting Nelnet, my service provider, and they adjusted my account to appropriately apply payments. This second issue is currently being " resolved '' by Nelnet as well but since this is the second time I 'm having the same issue within 15 months, I feel it is appropriate to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I tried to deposit XXXX dollars into my ex wives account with her account number handy, and since I was not on a joint account they refused the deposit. 
The teller told me I needed a personal check or a money order. I said by the time XXXX of those are cleared she will get charged overdraft fees .So I had to wait for her to come home from work and deposit it herself. Why anybody banks here is beyond me. XXXX Bank will email you and give you until XXXX that night,, and all you have to do is put the cash in the atm. Chase tellers must have a quota on how many overdraft fees they can aquire, WHAT A JOKE BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent my mortgage payment due XXXX XXXX, 2015 to Chase Financial Services, it was received by them on XXXX XXXX, 2 days prior to the due date. Inexplicably and without my permission, they applied the entire payment to principal instead of to my next due payment ( XXXX XXXX ). Then they recorded my XXXX XXXX payment as delinquent and applied a late fee on XXXX XXXX. I received the first notice of this when I got home from work on XXXX XXXX and found a message from Chase advising me to call them. I immediately went to their website to verify they had received my payment. It was then that I learned they had misapplied my payment. I immediately called Chase and demanded to speak to a manager. With some difficulty and more time than it should have taken I was finally transferred to someone who identified herself as in the escalation department. I explained the situation, along with my anger and frustration that they would do this. She finally admitted Chase had made an error and they would fix it. I demanded a written explanation of what transpired along with an acknowledgment that my payment had not been received late, indeed two days early. She said she would fix the situation, request the letter and call me back. The next day, XXXX XXXX, she called again and tried to excuse the misapplication of the payment since they had received two payments from me in XX/XX/XXXX, namely my XX/XX/XXXX payment which they received at the beginning of the month, and the XXXX payment they received XXXX XXXX. I cut her off telling her I did not want to hear excuses, only that the situation had been remedied. She said they were working on it but they did n't have a letter they could send me. I told her the steps they took to remedy, as well as an acknowledgment that Chase had erred and my payment was never late MUST be in writing. I then terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Working on a Chase/ FHA short sale. We have the XXXX issued by HUD and an offer that meets the required HUD NET - Chase has not responded to this offer submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
We signed up for a Southwest Airlines Rapid Rewards credit card through Chase Bank with the promise of XXXX Rapid Rewards points if we charged {$3000.00} on the card within the first few months. We did so, but only saw a little over {$10000.00} Rapid Rewards points added to our statement. When we finally reached out to Chase Bank, we were told that our inquiry was too late. We only had 3 months to request the additional XXXX miles and that time had passed. ( There was nothing in the agreement we received or signed up for stating that we had to call and request the points within 90 days or XXXX of them would be forfeit. Everything indicated that using the credit card would automatically add the points to our Rapid Rewards account ). 
I spent over 30 minutes on the phone with Chase -- my last conversation with a supervisor by the name of XXXX XXXX in XXXX XXXX ( he would not provide any additional identifier for himself ). We think that Chase should honor their agreement of providing a total of XXXX Rapid Rewards points for the use of this credit card, and should be admonished and fined for these " bait and switch '' tactics of promising one thing and then changing the terms of the agreement. 
Their advertisement of this deal can found using this link ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Somebody got a hold of my account information and deposited a check into my account. Three days later they told me that the funds were available. I withdrew the money. One or two days later they told me that the check was no good. They closed out my account. I had direct deposit deposit and could n't stop it in time. Three days after they closed out my account they took my whole paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to refi an existing loan in early XXXX. I submitted all the forms and paperwork promptly. Since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times. I have left messages and sent emails and received no response and had to escalate to the mortgage banker 's boss who simply referred me back to the original person who was not getting back to me. A few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward. He gave me a list of documentation the bank needed. I went over the list with him and referred him to the emails and dates I had supplied the documentation to my previous contact. He asked me to sign the same IRS form I had previously signed which had been filled out by his company incorrectly. I offered to send more documentation and he said no, we needed to wait for the transcripts from the IRS. Today, I received an email from him asking for yet more information, most of it already supplied. A key point in this situation is that I am a current customer of this lender, I am refinancing less than XXXX the appraised value of the house, my annual income is equal to the value of the house, I have virtually no debt and a XXXX score of XXXX. This refi should be simple but it has been nothing but a series of frustrations since early XXXX. We are now into 90 days and I am concerned my locked in rate will be gone. It appears that I am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was sent a letter saying the financial services I was repaying my loan has a lawsuit against them and I need to be granted a refund.

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 2016-07-27
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Received an offer to signup for a Citigold checking account after I had opened my Citi Prestige credit card. Used the promo code provided which was accepted through the signup, I met the requirements but never received my bonus thank you points. When I inquired with the bank directly they said I was never targeted however they accepted my signup application when using the promo code and had no mention that the code was invalid nor that I was not eligible.

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 2016-08-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a Macy 's credit card and used it to buy some chairs. The chairs were defective and I returned them with Macy 's approval. It took Macy 's a long time to apply the return credit to my card. They charged me late fees and then reported me as late pay on my credit report. I just got denied on a mortgage loan application because of this. 
The " lost money '' amount reflects the higher interest rate I will be charged on a mortgage loan because of this.

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 2016-12-12
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I had XXXX XXXX perform a XXXX. weeks later I received a bill from the insurance company. XXXX made an error -- had ordered XXXX. after many calls to XXXX and much time spent then the bill was removed. 
I now have received a collections bill in the amount of XXXX the bill is for a XXXX fee for the XXXX. the bill from XXXX was XXXX dollars. the collection agency charged XXXX to collect on this " debt ''. the fair debt collections practices act prohibits a fee being added to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I am a XXXX citizen. 
I do have a fund of XXXX with the CITI-Bank. 
Because of the new XXXX rules the bank asked me for the transaction of this amount to pay XXXX .I have payed this amount. 
The Bank asked me after this payment to pay another XXXX for the transaction. 
This procedure seems very strange to me. I have the suspicion of a fraudulent procedure

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 2015-10-31
Company: CITIBANK, N.A.
State: FL
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Advertising, marketing or disclosures

Complaint:
In XX/XX/XXXX I took an exchange offer line XXXX and they sent me a Citi Bank prepaid card with {$160.00}, I save my card waiting buy something special when I was ready to make my purchase I noticed that the card had expired in XX/XX/XXXX, so call XXXX in XX/XX/XXXX, I told them my situation, the operator told me we will re-send a new card in 15-20 days. 
30 days past again called XXXX to ask the status of my new card so they told me, they can not send a card for that type of card could not send again and them they connect me to the Department of Citi Bank Cards where they say the funds expired with the card. 
I call back and talk to XXXX XXXX ( XXXX ) and commented the situation and says that certainly could not get a new card because they do not manage more funds that XXXX promote, and that the funds expired with the card, so I ask them " t who has my money '' and they said " has expired ''. After talking with XXXX I communicated with XXXX employee number ( XXXX ) who just told me that he was the highest authority and that funds had expired. 
I never used my card or money and they saw the system, I do not understand you can not give me another card, where 's my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Macy 's American Express card has been fraudulently charging me Late Fees and Interest Charges for months though they are directly debiting the full balance due every month from my checking account. How can they charge me these late fees/interest charges when they are withdrawing directly from my checking account? This unscrupulous practice has been going on, may be for years and I just happened to notice it today. Please take action against Macy 's so they are fiscally prudent when it comes to handling customer accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Cash advance fee

Complaint:
On XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from XXXX through XXXX using my Citi Double Cash card. When I was looking at my credit card statement on XXXX XXXX, I noticed a advanced transaction fee for {$13.00} and a minimum interest charge of {$0.00} which I traced it back to the transaction mentioned above. I spoke to Citi customer service twice and they mentioned that the charge was incurred because it was a quasi financial institution and they blamed the seller for the charge. On the other hand, on XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from the same seller through XXXX with the same credit card and yet no charge was incurred. This is the second time this has happened to me, the previous time was on XXXX XXXX. Similar situation, bought gift cards through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been enrolled by Macy 's American Express card into " Credit Protection '' program without my consent. I called them to un-enroll. I still received an letter stating that I am enrolled in the program. I called them again to clarify - upon which agent mentioned that I was enrolled during the application itself and I was indeed unenrolled in XXXX 2016. The first enrollment did not happen with my consent and the second letter I received on XXXX XXXX does not reflect current state of my enrollment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am being charged excessive fees by this bank. I even made a deposit to cover the deficit that the fees caused and it was not until I was away from the bank that I discovered the teller moved money into the wrong account despite having the assistance of a branch manager. Because she did that and the deficit remained, I got charged more fees, none of which were fixed. I am being charges hundreds of dollars a month in fees and I only make {$14000.00} a year. I went into the XXXX Citibank next to my work and I was basically told to make more money. I check my account on a daily basis and these fees are coming out of nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief