vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX 2013 Nelnet took over my student loan. They split it into XXXX different loans with the same account number to charge interest rates twice. After 7 months they raised the current payment amounts by 225 % with no notification. A couple of months after that they raised the current payment again. They put me in a forebearance that I did n't ask for. They reported inaccurately to the credit bureaus and had my student loans reported XXXX times. They also re-aged this account which is illegal. When asked for validation of the debt I was given a computer printout with in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank closed XXXX of my accounts, and the reason was that I said a XXXX remark to the teller. I had my granddaughter with me, who is half XXXX, and would never say anything so rude. I ca n't access my cheeks or savings accounts. I was told that I had to wait ten days and will get my money as a check in the mail. This has been very difficult on me, as have medical issues. 
Any help will be appreciated, regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have recieved a letter from XXXX. In this letter they claim that Providian bank is the creditor as well as XXXX XXXX. This is FALSE. Providian was sold in XX/XX/XXXX to Washington Mutual inc which continued to run it as wholly owned subsidiary. Class action suits began in XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. In XXXX, Washington Mutual was seized by the federal government and then sold to J.P.Morgan Chase. I have spoken with a Chase executive named XXXX XXXX ext. XXXX. She assured me that Chase does not collect on accounts that are as old as this. So, with that said, XXXX and XXXX are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. Chase bought up the bank that bought Providian. They do not have Chase 's permission to try and collect this debt, I have spoken with a Chase executive They list Providian as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL

Complaint narrative:
We have been under contract since XXXX/XXXX/XXXX. Today is our closing date and the lender has sent the following response, '' Good evening, Based on what the coordinator and I talked about earlier tonight, the delay is on Wyndham Capital. There is no issue whatsoever with the borrower 's qualifications. The loan has been conditionally approved, with the XXXX conditions being an updated asset statement ( showing the funds from the sale of their previous home ) as well as an updated Social Security Authorization disclosure. Wyndham will be reimbursing the borrower for the delay and we apologize for the unnecessary stress for all parties. '' The lender is now asking for a closing date of XXXX/XXXX/XXXX. The borrower is homeless with pets and all of her items are being driven to Florida on XXXX with nowhere to go. The seller will be incurring a cost of another month of paying the mortgage. The lender is now asking for purchase price, XXXX addendum, and other items that were sent to their office on XXXX. We still do not have a result of what has happened. They stated that they were aware of TRID guidelines however ; they failed to reach out to the borrower in sufficient time to prevent her homelessness and other catastrophes regarding the buyer and seller. Please let us know if you are able to contact this company in regards to their carelessness with the lending process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Business Checking, I have received a email states that my account has been overdraft. I have noticed that XXXX check has been cashed, it was an unauthorized check, a fraud transaction. I reported to claim department, I spoke with two person in claim department in 5 minutes. Both person from Claim Department told me that " under my investigation your request has been declined '', " Chase do NOT have any thing to do to recover your lost amount. Suggest you contact the check cashier, or report to police ''. At the same time, because of the Fraud transaction my account has been overdraft 3 times, get charged $ XXXX $ XXXX $ XXXX {$100.00} fee. Total loss $ XXXX $ XXXX {$800.00} with out any reason. 

Complaint : 1. How does Claim department do " investigation '' in 2.5 mins, ( 2 person 2.5 mins each ) and get a result " decline ''???? What kind of " investigation '' has been done??? It is not a " Investigation '', they just looked the account, did n't even know what happened. 
2. I had stated that the check have some problem, it has been deposit before check issuing date. It is a very obvious evidence -- -- it is a Fraud transaction. The " Investigator '' said he did not look the date, and do n't matter when the check has been issued.??? Why??? 
3. Chase refuse to refund the overdraft fee, because of the refund have a " limit '' and the fee charge to account do n't have limit. Then Chase can keep more profit from Fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
On or about the last week in XXXX XXXX, I called XXXX to pay my XXXX XXXX Bank collections in full. They referred me to the Law Offices of Mary Jane Elliott. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XXXX XXXX XXXX. On Friday, XXXX XXXX XXXX, I called the law offices of Mary Jane Elliott and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from XXXX attempting to collect on this paid in full debt. 

Yesterday, XXXX XXXX, XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XXXX XXXX. 

Today XXXX XXXX XXXX, I called the Law Offices of Mary Jane Elliott, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because XXXX has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both XXXX and Law Offices of Mary Jane Elliott ( which is just a shell company for XXXX ), need to be held fully accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wife held and qualified for the XXXX Bonus Miles offered with the Southwest Airlines Rapid Rewards Visa Card offered through Chase Bank. As required she spent the {$2000.00} within the first 90 days. The terms and conditions state that the " bonus miles will post after fulfillment of the requirement. My wife closed the credit card account prior to the miles posting but after " fulfilling '' the terms and conditions. The terms and conditions do not stipulate that the miles are forfeited if the card is closed prior to the posting. Furthermore, my wife was never informed of this over the phone at the time that she closed the account. Chase insist that they would have so informed my wife -- they did not. My wife holds XXXX college degrees including XXXX graduate degrees and is a highly paid professional. What are the chances that she would would have closed the account with a XXXX balance and forfeited the miles had she known? As stated, such information is NOT in their terms and conditions. The so called " Customer Service Specialist '' at Chase stated that the forfeiture information was in the letter that she received AFTER she closed the account. Little late then

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two complaints to make from XXXX experience. I made a payment online on my credit card from Chase sometime during the week of XXXX XXXX, 2015. The due date for payment was XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into my account online and noticed the payment did not go through. I checked my bank account, and noticed the funds were not taken to make the payment. As a result on the non-payment, I incurred a {$35.00} late fee. I contacted the credit card company to investigate the issue. After I explained the situation, they asked me to answer some questions in order to gain access to my account online. However, the questions they asked were inappropriate. They asked questions typically associated with verifying information from a credit report. Credit card companies have no business using Information about other credit card accounts or mortgage accounts as security questions for their account. I was not applying for a credit card or home loan. I was investigating a potential mistake that they made. The questions should be more appropriate to the account in question. Since I refused to answer questions I felt were inappropriate, they could not assist me any further in investigating when I was last logged in or if a payment was never confirmed after being entered. The customer service representatives handled the situation as best they could given their policies. However, the policy implemented by Chase of using " credit-report '' style questions to access credit card accounts during customer inquiries is inappropriate. Furthermore, the fact that it impeded an investigation into a potential mistake by the credit card company makes this also an inappropriate policy. Although I do not have any email documentation that shows I scheduled the payment before the due date, I am pretty confident that I logged into their website and made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase approved me for XXXX of their credit cards, Chase XXXX XXXX. Upon receiving the card, I began to use the card. After a few transcations, I get a phone call from Chase regarding a fraud alert. I return the call and answer the appropriate questions. I was told to then go visit a local Chase branch. I went to the local branch to prove my identity. The branch personnel called the Chase security team and verified who I was. One week goes by and there is no contact by chase. I call daily to check the status. I eventually find out that my Chase credit card has been cancelled because of fraudulent activity. Meanwhile, there was no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had LARGE FEES and DOUBLE CHARGES on my accounts for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
First contacted XXXX XXXX and XXXX XXXX XXXX in 2006 about daughter needing money to finish XXXX quarter. Before I signed as a cosigner on XXXX XXXX loan, I had a three way conversation with XXXX XXXX, the school and myself. Found out what she needed and expressed my wants to have the school paid directly with the monies, not to XXXX, XXXX XXXX Rep told me on the phone, it would be done. The following fall, XXXX my daughter did n't return to school, stated she did n't get enough financial help. Two years pass and I get a late notice on monthly payment, then I was told by her brother the reason of not returning to school was that she requested the loan to be sent to her after the original agreement and spent the monies. To verify that I call the financial aid dept. and they said that from the phone conversation in the beginning they waited on the funds but never got that check from XXXX XXXX as agreed. Since that time XXXX, because of being primary has put loan in forbearance, change email addresses for contact and not paid on the loan just to cause issues with me and my credit. I have take her to court 3 times, won the decision that she owes the money and she has told the judge 3 times she does n't owe it and spent the money and I owe it. Because of her owing money to everyone she does n't have anything in her name, just her husbands name. They have a new home, she drives a XXXX Chevrolet Tahoe, her husband works for XXXX, she bragged about how much money he makes and she works and gets paid cash so nothing shows up. She graduated from XXXX, and still pays this payment irregular so it messes up my credit. This last XXXX from what I was told when Navient, the new servicer contacted me in XXXX, she was 90 days late on the payment. They waited 90 days to contact me and it knock my credit rating down almost XXXX points to XXXX. XXXX does n't care because this is a game she plays knowingly that effects my credit because now since I had to retired, by monthly taxable income is {$190.00}. 
Navient calls me 3 to 4 times daily and sends me emails. When I talk to them and tell them that I cant afford to pay this amount and why do n't they contact her they say they have but contact me more because I am cosigner and then start making threat to me what they are going to do to me financially. XXXX does this to ruin my credit, I should have listen to my son back in 2006 and not signed this. I have tried to contact the Ombudsman department at Navient to resolve this but not response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 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: TX

Complaint narrative:
Nelnet keeps advancing my due date instead of applying payments to principal as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was taking money out of a Chase ATM Machine at a Chase Bank on XXXX XXXX in XXXX Ohio XXXX XXXX, 2016 at roughly XXXX. During the transaction, the power failed at the ATM, debiting the amount, while not giving me my money ( Approximately {$120.00} ). I immediately called Chase, who told me I would receive my money " within 12 hours '' and an email confirming it would be sent, which I never received. 2 days later, without the money, I called again, and was repeatedly told " another 24 hours ''. 

This happened for 3 consecutive days, being told my " money was in the process of being transferred ''. Each time I was told to wait, in that " 24 hours '' my money would be refunded. 

Finally, after over a week of no information, I demanded to talk to a superior. I was told the investigation was completed, and that my money *should* have been issued, but for whatever reason, it was n't because of an " unspecified error '', but they would offer me " conditional credit '' that they would give me, but take out in 7 days. I declined, as this is not a conditional credit since the matter was already resolved through investigation. Throughout this entire process, I was never told once about the Consumer Protection Act or any other remedies to this. That I would " have to wait until their computers figured it out ''. 

Demanding some sort of written confirmation, I was sent an email confirming that the investigation was completed 5 days after the transaction, and that the amount should have been immediately credited, which it was not. According to the Funds Transfer Act, the money should have been credited then ( I will be including the email ). 

Today, I called, a full 12 days after my money was taken, and was told it will take " another 48 hours possibly '' to get the money, although at this point, I have no faith that the bank will fulfill its promises to me, and they refuse to give me any written confirmation that the money will be returned. Every time, Chase confirmed that the money was not refunded, but could not give me a reason why. 

I have included the image of the email sent by Chase, confirming the investigation was completed on XXXX XXXX, 2016, as well a read-only XXXX file from the Bank, including all my transactions in the period XX/XX/2016-XX/XX/2016, confirming that the amount was not refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase Bank is charging me {$500.00} per month, or {$6000.00} per year for my escrow. I escrow taxes and insurance. My annual insurance is {$1400.00} and my taxes are {$3700.00} annually, for a total of {$5100.00}. So Chase is overcharging me by {$930.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, 2015 I received a phone call from Chase Bank, NA executive offices regarding an existing dispute/fraud claim with a vendor called XXXX located in XXXX XXXX XXXX XXXX. For background purposes, due to the negligence of Employee ( s ) of MEGDRIVE ( the vendor ), the vendors employees fruadulently and negligently gave control of my credit card to a third party who subsequently authorized charges to my card which I never agreed to nor was contacted for authorization purposes. I never authorized XXXX of the XXXX charges and in the case of the XXXX charge only authorized a partial amount of what was charged. 
The XXXX 's employees contacted a third person for authorization on my credit card. This occurred because XXXX 's employee failed to list the card holder ( which I am ) in the computer system, resulting in their contacting the XXXX party for all authorizations which I did not know about. 
Today, XXXX XXXX, 2015 I received a call from a CHASE Bank NA representative who stated that she was from the executive offices. Based on the representative 's statements it is clear to me that CHASE Bank has no clue or understanding of the issues in this dispute. The fact that this incompetence exists is detrimental to my dispute case. I therefore request summary judgement in my favor that all disputed charges be permanently waived because of CHASE Bank 's incompetent comprehension has a negative impact on the outcome of this case and I can not rely on them to correctly represent the facts on my behalf. 

Please have a representative of the CFPB contact me at the numbers listed below. 
Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I contacted Chase Bank and inquired about the status of my accounts. Upon being transferred to a XXXX at Chase Bank Card Services, I was informed that my accounts where closed because I was not using that account as intended. When I asked to elaborate, her reply was that my account was closed because I have added and removed authorized users and that Chase assumed that because of this I was not using the account as intend. I asked her how and who assumed this? She would not give further information and just stated that I will receive a letter in the mail. I asked her how can they just close my accounts when in fact I have had these account sine XXXX and never had a issue? I informed her that I was following the instructions given to me when I called in the past. As matter of a fact they said that I can have as many authorized users as I want. Even when I explained this she plainly fail to regard me and just blew off as if that 's it and moved on. Chase never gave me instructions and ways of how to use the authorzied user program. They just said that I could add and remove as many as I want. I requested to speak to a supervisor and she refused to transfer me and stated that there was n't any supervisor on the floor. That I will get a call from them. I instructed her that I was filing a complaint with the CFPB and that I was reporting the ill action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase closed my checking accounts and personal savings account and wo n't tell me the reason at all.

Company response to consumer: Closed with explanation