vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 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:
I am set up to pay a set amount for my loans every month to Nelnet, my loan servicer. This amount is autodebited. A few months ago, I decided to pay an extra {$1400.00} at my loan on top of my usual monthly amount. On Nelnet 's website, I specifically chose to direct the full amount of this extra payment to Loan XXXX, which has the highest interest rate. I also specifically chose the option to NOT have this extra payment postpone my regular monthly due date for the loan. 

However, Nelnet ignored everything. While they put the {$1400.00} toward Loan XXXX, they stopped paying off Loan XXXX for the following months. Meaning that my scheduled monthly payments now only went to Loans XXXX and XXXX This made me accrue {$300.00} in extra interest to Loan XXXX AND ultimately it did not allow me to lower the principle on that loan as I had stated/intended when I paid the extra amount. 

The Nelnet customer service rep I spoke with said that Nelnet wanted to realign all of my monthly payment due dates given my extra payment. However, as I had already told Nelnet, all of that extra money should be given on TOP of the monthly payments, so it should not have changed anything with my due dates. This is a sketchy and dishonest strategy by NelNet to make sure that all loans end at the same time ( which is exactly what I was trying to avoid .... I wanted to pay off my loans in less than 10 years! ) so that they maximize the amount of interest they collect. 

I totally understand that the loan servicer needs to make money to stay in business, but they should not be allowed to ignore direct customer requests/specifications about payments in doing so. This dishonest business practice should not be tolerated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Money Management International, Inc.
State: MD

Complaint narrative:
I started this program in debit consolidating program 2012 and was told and agreed to pay back debts to debtors. I am just about finished with the program and have paid for 5 years. Was told in the beginning what my monthly payments would be and what was owed. There also was not supposed to be no more interested accrued only pay what was agreed. Now that I am almost finished the program they tacked on a 6 % interest to XXXX my last debtor for the last payment. The agreement was when I subscribed to this program was the debt would not accrue any more interest matter of fact they would stop at that point of the agreement. Money Management took over this program in XX/XX/XXXX it is was XXXX and now they have allowed this to accrue and that was my original agreement that I had with XXXX. XXXX sold their program to Money Management and now they have changed the rules. They are allowing interest to accrue and not during the time you are paying it be after you are almost completed the program. I feel this is unfair practices and misleading the consumers. They changed the policy after I have diligently paid this program for 5 years. Now they send me a statement stating estimate that was done when I first started the program and it was supposed to have been finalized what I owed, what I had to pay monthly and time span for program completed. However, they tacked on interest for my last payment added in another XXXX after I had finished the program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received XXXX 's from CHASE BANK in 2013. XXXX XXXX was marked and on the form meaning no collection efforts will be made. This was further communicated when I spoke to a manager at CHASE credit department. CHASE BANK continues to report cancelled debt balances on my credit report. Although the XXXX state that no collection efforts will be made I have received letters from CHASE saying that I still have balances on the accounts. How can I have balances on cancelled debt that I included in my taxes in 2013? Ive disputed this issue with all credit bureaus and CHASE BANK. The incorrect status and balance of the accounts are still listed. The balances cant be both cancelled and owed? I have become very frustrated with CHASE BANK and feel that this is just a tactic to hurt consumers financially. I have had to pay higher interest rates and have been denied credit based solely on the CHASE BANK accounts listed on my credit report. CHASE BANK received the tax benefit by issuing the XXXX but continues to report the balances to the bureaus. There have been court cases that have ruled in the favor of the consumer on this issue but Ive found no real laws dealing with XXXX and proper credit reporting. Consumers are really being XXXX by CHASE BANK 's reporting of XXXX balances. I believe they are the only bank that does this. I will continue to dispute this issue as I feel the reporting is an illegal representation of the accounts. I wanted to do this complaint to help other people who are in the same situation. Hopefully something can be done about this as these practices of CHASE BANK reporting zombie debt must be ended. CHASE continues to ignore my disputes. They continue to post false information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had nothing but trouble with the XXXX XXXX XXXX, coit office for dealing with my mother 's accounts and my power of attorney for her. 
MY mother is XXXX and living in assisted living with XXXX. 
MY latest complaint about this branch and especially XXXX XXXX, Asst Mgr has to do with the following. issue. 
As background, this branch has adamantly refused to assist me with basic simple issues regarding my mother 's account. I had to fly to Washington State where another Chase branch approved putting me on the Charge Card as POA, and putting me on as a co-owner of the checking and savings accounts. All I have been trying to do is put my mother 's approx XXXX pts into about $ XXXX cash and put it in her checking account. I was told by XXXX XXXX that his branch could not help me. Do I have to fly to Wash St to get this accomplished? If the XXXX XXXX XXXX does n't want my or my mother 's business and I 'll take it next door to Chase. 
How can my sister put moneys into my mother 's account if she is not on the checking or savings account. I have POA, previously approved and the Bank has multiple copies of it authorizing me full access to my mother 's finances and now, this branch, specifically XXXX XXXX again refuses to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened an account with Chase back in XX/XX/XXXX. The account slipped into collections over eight years ago, in XX/XX/XXXX. Despite the account being in collections for more than 7 years, Chase continues to report this debt on my credit report. They purposely keep changing the date of last activity on this account to continue reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank, XXXX, OH XXXX, pulled my credit report without my authorization. I did not seek out a vehicle loan from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I received my credit card statement in XXXX and paid the amount in full, including interest charged. When I received my XXXX statement I was being charged a " residual interest '' amount of {$5.00}. Nothing else is due, only {$5.00}. I reached out to Chase about this and they were the one 's that informed me about the " residual interest '' is from XXXX not being paid in full, even though I paid in full my XXXX statement. I do n't know if what they are doing is right or legal. I am submitting payment because I do n't have Chase to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
1. Chase Bank bought out another Bank and was " Updating " their computer systems due to buy out in XX/XX/XXXX. When I made my mortgage payment XX/XX/XXXX, it did NOT go through do to this. Chase bank called me to report this to me. I then made XX/XX/XXXX & XX/XX/XXXX payment. I was told by Chase this would NOT affect me in anyway. 
2. Fight thing every Year. They continued to report it as a 30 day late in XX/XX/XXXX!!! 
3. XX/XX/XXXX to the end of the month, Chase Bank changed my credit report 3 times. 
A. 30 days XX/XX/XXXX ... .. Falsly being REPORTED B. Changed it XX/XX/XXXX to 30-60 day late. 
C. Then again on XX/XX/XXXX to " XX/XX/XXXX as 30 days late ''. 
They names that have Fraudulently changed my report is " XXXX, XXXX XXXX ( supervisor ), XXXX, then XXXX XXXX ( manager in Texas ) all with Chase Mortgage & Credit Department. Refuse to remove due to their mistakes. I feel my Rights have been violated and Fraud of my credit reporting Act per Chase Bank. I am demanding it to be Removed per all the mistakes of Chase Bank. Please help!!! My Chase account number was # XXXX. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. 
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited XXXX of XXXX checks on XXXX XXXX. The check that I am writing about more specifically was the one which contained the funds left from my retirement fund. I was automatically mailed the check by the retirement fund management company after I know longer had my job. As I understood it, I needed to deposit the check to access my retirement funds and I did not believe I had a choice of keeping the retirement account as I am no longer employed. Unfortunately, I temporarily misplaced my check after I received it in the mail XX/XX/XXXX. When I was organizing and sorting through papers on XXXX XXXX, 2016, I found the check. As I wanted to have access to the funds previously in my retirement account I immediately proceeded to deposit the check along with another check issued in XX/XX/XXXX. I believed nothing to be fraudulent about the checks I deposited, at least on my end, and all I intended to do was access the funds as a balance to my checking account. I deposited the check at a consumer bank d.b.a. Chase, a division of the financial company JPMorgan Chase, at a location in XXXX, California where I signed the check and furnished it to the bank teller at the branch.The check I deposited from my retirement account, in the amount of {$19.00} was accepted by the teller and in my account information, it appears to be accepted and then rejected with a {$12.00} debit administered, in additional to the rejection of the funds in the amount of {$19.00}. Unfortunately, as I am not a business, I do not believe I have the ability to levy a fee to the retirement fund company in the amount assessed by the JP Morgan Chase consumer banking division Chase, in the amount of {$12.00}. I can not afford to pay this fee and the main reason I bank at Chase is because of the lack of fees assessed to my account as opposed to some competing national banks including XXXX XXXX and XXXX XXXX XXXX. As a consumer banking product for myself, I need checking account services which agree with my spending patterns. I really hope I was not provided with a fraudulent check, or one having insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Obtained a car loan from Westlake Financial Services XX/XX/XXXX. This company called my family, and my boyfriend continually over late payments made. They called my cell phone the day my payment was due to ensure I was paying. They repossessed my car XX/XX/XXXX, and never sent a notice of sale of the car. This company is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I SHORT SALE MY HOUSE IN XXXX OF 2010, WITH CHASE MORGAN XXXX.YET THEY ARE STILL REPORTING ON MY CREDIT REPORT XXXX OPEN LOANS WITH INTREST REOCURRING EVERY MONTH AND THEY SAIDTHE LOAN HAS BEEN CLOSED ON THERE END BUT THE CREDIT REPORTING COMPANIES CONTINUES TO REPORT IT. HELP ME PLEASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX at XXXX XXXX I made a cash deposit of {$1000.00}, all in {$100.00} bills at a Chase ATM. The ATM then ate the cash, all of which was new and did not have staples or any metal pieces to interfere with the transaction. 

The machine then printed a receipt that confirms a deposit was made, but not the amount, that the machine " has experienced a technical error '' and that I should call Chase customer claims. I did that immediately, explained the situation, and was credited {$1000.00} while they " investigated my claim. '' Two weeks later on the XXXX, Chase sent me an email saying the investigation was complete and that the XXXX credit would be removed, and that was the last of the matter. 

I have called the claims department, branch manager, supervisors, and all have told me that 1. the footage of my transaction has not been reviewed 2. the cameras in the bank are pointed at my face, not at the money, so there is no way to review the cash I physically deposited. 

I asked XXXX supervisor why, if Chase ATMs can just swallow a client 's money and there 's no way to prove it on camera what happened, why should anyone use Chase ATMs? She told me " I do n't use the ATMs, they can break. '' I can not believe that a major organization like Chase would be so unable to confirm a deposit made at an ATM inside XXXX of it 's branches, in the middle of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 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:
My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( Chase Bank USA ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is the bank named in this complaint, but from the posted deposit and overdraft agreements of other banks, their policies are the same. When you do n't maintain a certain balance in an account, you do n't qualify for the fee-free accounts. So already you are paying a monthly fee. But let 's say you misjudged the amount of time it would take a check you sent out to post to your account, or had an auto-pay bill post before your deposit goes in ; then Chase will take all your incoming debits and post them in the order of largest to smallest. This means that, even though you have enough money in the account to cover all the transaction but the last one, their posting method guarantees that they can charge as many overdraft fees of {$34.00} as there are transactions after the largest wipes out the balance. In my business account 's case, a {$25.00} payment ( here 's the irony ), to Chase credit card, was charged a {$34.00} OD fee, because it was posted after a {$150.00} check. So after all transaction posted, the account was overdrawn by {$110.00}, {$68.00} of which were overdraft charges. And that 's only on XXXX transactions. Had I had more transactions posting, each and every one of them would have cost {$34.00}. This could become an insurmountable amount. I have a small, struggling business that does n't always have the best cash flow, and Chase and other banks take full advantage of this by penalizing me XXXX ways. One is by charging a monthly fee for being poor, the other by posting transaction to cause the most amount of damage, and take the most amount of money from the very people who can least afford it. This practice should be stopped, and a federally regulated policy for Overdraft charges should be in place. I am all for paying a monthly fee to use my account, as it is a service I appreciate. But to be outright robbed of precious few dollars I may have, because of greed and morally corrupt corporations, this should not stand. And our regulators need to protect us from these type of widespread corruptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. XXXX is reporting that they are a creditor when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase Banking customer with a checking account since XXXX. During a 6 month unemployment period in XXXX I had gone into arrears as Pre-authorized payments were not cancelled in time. Chase advised me of the amount and I had been paying gradually through payroll direct deposit to reduce the balance owing. My account had apparently been closed in XX/XX/XXXX but I was able to make deposits into the account. However, when I filed my XXXX tax return, my CPA did not change the bank information, and the refund went to this closed account sometime in XX/XX/XXXX. Sometime around XX/XX/XXXX I was informed by the payroll department of my company that deposits into this checking account number were no longer being accepted. I have not received any notice from Chase that funds were deposited into a closed account. The IRS wrote me a letter that these funds were deposited electronically. If this is the case, then my overdraft should be clear and I want my checking account re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Continue case # XXXX. CHASE has failed to answer my statement that I phoned CHASE on XX/XX/2015 to block all charges from XXXX, and CHASE had promised me. But on XX/XX/2015 CHASE accepted a charge of {$360.00} from XXXX, and have me to pay for it. I denied this charge because XXXX had failed to provide good services to me.

Company response to consumer: Closed with explanation