vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have been trying to pay the balance down by paying extra on each payment and sending in a small amount in addition to that. The company is not applying the extra to my principal balance - despite the fact that I am current. When I asked about it they gave me some ridiculous line about the simple interest calculation. It sounds like a corrupt practice and is definitely causing me harm. Additionally, they are not providing me regular statements, sometimes going months between statements ( no XX/XX/XXXX statement ever produced or received, no statements in XX/XX/XXXX or XX/XX/XXXX ) Here 's what they told me : Account : XXXX Thank you for contacting Firstmark Services. 
The interest on your student loan ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). 
To calculate how much interest has accrued on your account since your last payment, do the following : 1 ) Multiply the principal balance by the interest rate ( i.e. {$10000.00} x XXXX = {$800.00} ). 
2 ) Divide this amount by XXXX, which is the number of days per year ( i.e. {$800.00} / XXXX = {$2.00} ). 
3 ) Multiply the daily rate by the number of days since your last payment ( i.e. {$2.00} x XXXX = {$10.00} ). 
4 ) This is the amount of interest that has accrued on your account. 
Please note that when a payment is received, it is first applied to any fees ( if applicable ), then to accrued interest, and finally to principal. 
Your previous payment was received XX/XX/XXXX, and your most recent payment was received XX/XX/XXXX. Since 23 days elapsed between payments, {$410.00} of your payment was applied to interest. 
We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at XXXX. 
Sincerely, Firstmark Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I requested online through Amazon a Visa credit card issued by Chase. I was approved immediately online, which I expected because of my long-standing credit card account with Chase. 
Today I received my card in the mail. It was issued in the wrong name - XXXX - the name of my wife 's ( XXXX ) former husband!!! 

How this offensive mistake happened is beyond me. l did NOT ask that my wife be on this new Chase card. My wife is NOT on my current Chase card. My wife is NOT on my Amazon account. I have never communicated any PII about my wife to Chase or Amazon. 

The very courteous call center representative I just spoke to is arranging for me to get a new card shortly. I still want the card, but I also want to understand what privacy and system breaches occurred to allow this mistake to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a mortgage account that was with Chase Bank. My payments went up very high. I tried to get a modification and was denied. I filed Bankruptcy to keep my home. I did everything my lawyer asked me to do. XXXX While in Bankruptcy, Chase must have sold my loan to SELECT PORTFOLIO. I was never given a goodbye letter or anything. I only found out when I received a letter from XXXX XXXX saying they are foreclosing on my home. My home is a MERS account and the CHAIN OF TITLE SEARCH SHOWS NAMES AND INFO AND TRANSACTION THAT IS NOT ON MY ORIGINAL PROMISSARY NOTE. SELECT PORTFOLIO DOES NOT HAVE LEGAL GROUND TO FORECLOSE ON MY HOME. This is wrong. MANY OF MY DOCUMENTS WERE ROBO SIGNED. PAPERS WERE FORGED. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has caused so many delays for me getting the repairs of my home done. Last complaint I filed with CFPB Chase said when the 75 % inspection was complete the next installment of fund for repairs would be sent. The 75 % inspection report was complete on XXXX Chase 's policy is that funds will be send 4 business days. XXXX XXXX was the 4 business days and as of today XXXX XXXX no payment has been sent. I did ask all correspondence to be in writing from Chase I have emailed them asking when the funds will be send since the 75 % inspection has been completed and my contractor is waiting on funds. Chase replied to my last complaint they would send out fund - but they do n't do what they state they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX I was solicited to use blank checks mailed to me by Chase Bank for a 2 % fee % 0 % interest thru XXXX. I accepted the but first called cust svc for CLARIFICATION AND CONFIRMATION of the offer. I was told I could write a check for 2 % fee only and no additional information.. This call was made SPECIFICALLY, so as not to be negatively surprised ... The rep DID NOT VERBALLY TELL ME THAT MY CHARGE CARD BALANCE WOULD NOW BE CONSIDERED A " REVOLVING " ACCOUNT.Previously I ALWAYS paid the bill in full each month! My established pattern of payment was to NEVER pay interest and ALWAYS receive monthly rewards. The consequences, therefore of my acceptance were deceiving and misleading. The verbal OMISSION to CLARIFY the COMPLETE offer, to me, was of CRIMINAL INTENT, in my opinion! The wording states that " unless you pay in full, every month, you will pay interest '' Why, and how would I pay the borrowed {$12000.00} in full, the month after I already paid {$240.00} fee, in full, for the useage of the cash for XXXX months at ZERO % ..?????? This CLEARLY is/was a " bait and switch '' tactic ... deplorable, sinister, and attempted EXTORTION ... .but LEGAL! Supervisor XXXX XXXX defended this trickery and would not cancel the {$18.00} interest charged. She advised me not to use the card until I finished paying off the loan TO AVOID ADDITIONAL INTEREST PAYMENTS ... I sent a CERTIFIED letter to Chase XXXX XXXX protesting this deception. I have NEVER received a response.. I paid the loan in full within XXXX months, less accumulated interest, which is now {$380.00} They are now charging me {$39.00} per month " late '' charges in addition to additional interest! .Amazing the deception and lies to the consumer ... .. '' 0 % '' for XXXX months for only 2 % fee ... .Additionally the wording of their offer is ambiguous at best ... '' This offer includes a fee of 2 % " of the amount of each transaction '' ... .. '' Once you take advantage of this balance transfer offer, you will have a new balance on your account. This means interest will be charged on new purchases you make with your credit card, unless you pay the entire balance, including any transferred balances IN FULL EACH MONTH ... There never was a BALANCE TRANSFER, but a " TRANSACTION, ONLY '' ... therefore the balance transfer commentary NEVER APPLIED to me! In conclusion, in retrospect, this offer was clearly designed to LEGALLY EXTORT money from unsuspecting customers who were amazed at the generosity of the bank ... this practice is UNFAIR, and criminally deceptive at the minimum ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had someone taking money out of my acct without my knowledge, from Amazon. No one tried to help me in my account. Someone kept going in my acct & Chase bank never offered to protect my acct. Chase refunded my acct each time Amazon fraudulently took out XXXX. But I had XXXX on XXXX & I look in my acct & chase bank takes back XXXX out my acct & now I am negative ... no one at the bank offered to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase wo n't close my account after I requested them to do so. Chase asked Security Questions that seemed to come from Googling A Chase credit card phone representative asked me all these ridiculous security questions that I did n't create. They asked me questions that they seemed to have may gotten through an internet people search. Because I sure did n't supply them with any of this strange info that they asked me. For example, 1. THEY gave me a relative 's name and asked what 's their birthday and how that person is related to me. Really! You 're GIVING me a family member 's name ... that I NEVER gave your company and THEIR birthday is a security question! 

2. They asked me what college I went to. ( I never gave Chase this information on what college I attended! ) Where are they even getting this information? Are they getting it from XXXX or random people search engines? Because I never gave them this info. 

3. They asked How long I lived at my current address. They asked me for past addresses. I never gave them past addresses. 

These are strange questions to be asked when you did n't set these up yourself as security questions. Its as almost as if they were Googling me. Security blocked my phone number and they hung up on me three times when I called back from a different number. Each time they hung up on me ... I was first transferred to security and they validated who I was first. Then put me on hold and hung up. The weird thing is that after I answered all of those questions with a rep, they told me I was n't myself and blocked my brand new never used card. I wanted to close it since it was so difficult to use and they would n't even let me close the card! They would n't even let me close the new " never used '' card that they would NOT let me use. Having a Chase card is terrible! I would not wish dealing with Chase on anyone. It 's not fair they they wo n't close my account after I asked them. I should not have to suffer with this being on my credit reports against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has been calling asking for my father XXXX times in less than an hour. the first call started at XXXX and its XXXX and they have just made the third call. Chase Bank called as many as XXXX times yesterday which is when the collections calls started. They are trying to collect a late payment of {$55.00}. My parents are both XXXX and my mother does not speak XXXX so she is unable to explain to them that I her daughter will make the payment for them today after work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
DBA PARAGON REVENUE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DBA PARAGON REVENUE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DBA PARAGON REVENUE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is offering " free monthly credit score '' BUT my score is not posting. I have spent considerable time contacting Chase - but their out of country operators ask for so much information it feels like identity fraud is possible and I do n't think they should need that much to verify an account, so I contacted XXXX. There is no block on my credit account in XXXX system. They have a record of the Chase account. A complaint to Chase headquarters WAS DELETED. SO, they have made an offer and I have accepted it BUT they are not fulfilling their offer. Would the US Government PLEASE require Chase to fix their problem, act in good faith, or else compensate me for time spent dealing with people who can not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JP Morgan Chase, who manages my Amazon credit card, is calling me every day, at different times of the day, in order to collect a debt. I am working with XXXX to pay off my debt, and JP Morgan Chase has been informed that I am using this service. I 've also asked them to stop calling me. I am setting aside {$200.00} every pay day in order to pay off the debt. The telephone calls are excessive and intrusive and have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ive already fought this company for their false claims of amounts I owe. They continue to send me false amounts, they even sent me a check for XXXX that was uncashable and saying most of my debt has disappeared. I 'm confused and want them to stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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:
I have been making over payments for many months. I receive conflicting information about how these payments will be handled. At this time, a very small amount is being directed towards principal, in spite of my large over payment. I was told the system was n't recognizing the over payment because I was paying split payments every two weeks. Additionally, in XXXX my account was placed on forbearance without my knowledge or consent. When I requested the forbearance be removed, I was told it would be, but it never happened. I was told my payment would be auto-debited but it never happened. I called again and was told my payment was processing, but one week later, no payment was ever taken, and when I called, I was told it was because of my forbearance ( that should have been removed 4 weeks prior ). When I called again, I was told not to worry because it was a " courtesy forbearance '' and no capitalized interest would accumulate. Nevertheless, the life of my loan has now increased without my consent. Additionally, now I will continue to be " making up '' interest payments instead of paying principal, even though I have been consistently making overpayments. I do not trust this company. I feel my loan has been handled in an unethical manner and that I am being taken advantage of on a routine basis. Additionally, customer service representatives seem, for the most part, to be completely unknowledgeable about what is happening to my account, or they outright lie, I can not be sure which is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Key Mortgage Services
State: IL

Complaint narrative:
I started to apply for a refinance with Key Mortgage Services, inc. they ran my credit report, and afterwards they said, I could qualify for this loan. The reason I wanted to take out the refinance, is to make my 30 year mortgage to a 20 year. The loan officer told me that they want to check on the {$7500.00} dollars that was given to me from the government, when I closed on my condominium, the 1st time 2 years ago that I bought it. The loan officer XXXX XXXX, asked me to find my Hud 1, I could n't find it at the time, however I found my good faith estimate. I told her that it was on the estimate. So then she still could not find out. I had before all of this came about, given her {$450.00} for the credit report and appraisal fee. I found out that the payment from her would over extend me. I told her to cancel the appraisal. She then told me that I can not get the money back, because I signed a credit card statement, which said non refundable. I never noticed that because I have been working a lot of hours, and was doing this from work. All this company called Key Mortgage Services XXXX XXXX XXXX. XXXX XXXX XXXX, il. XXXX. Did nothing for me but just kept my money and I was told even thou the appraisal was not done, they would not give this money back to me. I should not be charged for a service that was not rendered. No appraisal was done. She said she emailed her supervisor, and they said I could not get this money back. I have filed a claim with my credit card company XXXX XXXX XXXX. I am a single mom, and know this is wrong to collect on a service appraisal that never happened. After all of this, I yelped them, and noticed many situations that the same thing happened to other people. Please help me get my money back. This is horrible customer service, she as a loan officer should have disclosed important things. I told her that this is so unprofessional, and stealing from people. I really appreciate your investigation in this matter. Feel free to XXXX them. The only reason, I did not XXXX them in the beginning, is because a friend of mine recommended me to the company. My friend also lost her money, however after the appraisal, they told her that she also got the government assistance of {$7500.00}. Please keep me informed, they are money hungry out for themselves. 

Thank you. 

My email addess is XXXXXXXXXXXX My phone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX 2016, I closed my personal checking account with Chase Bank. I was told that my remaining balance would be mailed to my address. 60+ days later, I called customer service to see if Chase could issue me a new check since I figured the old check must have gotten lost in the mail. The representative informed me that there was nothing that they could do to cancel the previous check and reissue another one since they did not keep track of the original check number. When I asked why they did not record the check number, he told me that sometimes they do and sometimes they do n't. Unfortunately for me, they decided not to be so diligent in my situation. 

I then went to a nearby branch to see if someone could help me in person. At the branch I spent 20 min trying to get the manager to understand that I was still owed my remaining balance since I never received a check from the bank. He finally had me update my address and contact information and then he had me sign a notarized form. He then told me that I should have a new check sent to me within 2 weeks. 

4 weeks later, I still had not received a check. I went back to the same branch where I signed the notary and informed them that the check had not come. The manager checked my account and realized that there was an error in getting the check issued. I was at no point notified of the delay, nor did the man seem aware of the mistake until I went back to the office. After correcting the mistake, I was told that I should expect to receive the check 14 days from its issue, which was 2 days from XXXX XXXX. 

It is now XXXX XXXX and I still have not received a check containing my remaining balance. Every time I try to get an answer from someone, I am sent to somebody else. This process has been obscenely long, deceptive, and discouraging. Though I still have a savings account and credit card with Chase, I have very little incentive to continue using their products given this horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Although I have been an excellent customer of Chase for many years, and have not missed a payment nor exceeded my credit limit, they have decided to reduce my limit from XXXX to XXXX. They claim this is due to too many other accounts and high balances, however it is not fair represent a credit limit as XXXX amount and then as I get closer to the limit change it to a lower amount! Did I ever really have a limit of XXXX if as soon as I spend XXXX toward it it shrinks down? This is deceptive and the decision for my limit should be based solely on my good relationship with Chase and not on whatever may happen with other cards I hold. Plus, as a result of their decision, my credit score will drop further now that I am much closer to the total amount of available credit. This needs to be fixed and reversed.

Company response to consumer: Closed with non-monetary relief