vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
I received a letter noting garnishment would begin on my defaulted loan, so I reached out to " Coast Professionals '' and tried to deal with it. For 3 months they kept rejecting mine and my husband 's pay stubs and they never allowed a time extension and began taking money out of my paycheck. They have been abusive via phone and have provided inaccurate information each time I contact them - quite literally the rules of the game change. 

I 'm now stuck having my wages garnished, and my son was paying them {$20.00} a month to get the loan out of default - they updated their " records '' today and decided my husband 's income combined with mine ( XXXX the income previously on record with them as we had been trying to scan his paystubs in but they said they were too dark and offered no other solutions - I mailed them a copy, scanned and emailed, faxed, and texted ) means my son needs to pay {$200.00} a month, XXXX the amount he 's already paying them. They 've provided no material information other than repeatedly mailing a bill to my address on file, even while we 've been working on this rehabilitation program. 

It 's worth noting that we began this process in XXXX 2016 - we did everything they asked of us, scanning, etc. repeatedly, and they told us they would adjust the date for garnishment to begin - XXXX XXXX rolls around and they began garnishing while I was still sending them information - which I had been extremely transparent about. When confronting senior management about this they said " Nothing we can do, get the pay stubs, pay it or the garnishment continues '' Horrific and unprofessional in every way. 

I am shocked and disgusted that my own government would give my federal tax dollars to fund contracts with companies that behave in such a predatory, misleading, and inhumane manner. We are paying them - they should be working WITH us to find a solution, not digging people deeper into a hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My house is in foreclosure. I received an extension for the sale date of my home for XXXX XXXX, 2015. XXXX XXXX, 2015 An '' Affidavit of Legal Publication - NTC OF SALE ON XXXX AT XXXX '' was entered into the court official records. XXXX XXXX, 2015 I received a loan modification approval letter for my Trial Period Plan. The XXXX of XXXX payments was made on time and receipt was confirmed by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My name is XXXX XXXX, phone number : XXXX, XXXXXXXXXXXX. 
Address : XXXX XXXX XXXX XXXX XXXX Michigan, XXXX. 
My complaint : Current mortgage is with Chase Bank : 5.73 % monthly cost : XXXX, Balance : XXXX I tried refinancing my mortgage with XXXX Mortgage : Problem unfairly calculation with high than normal closing cost. 
Chase XXXX to XXXX hard check on credit to reduce credit rating to offer a higher mortgage rate. 
I am very disappointed with the process which should be quite simple since I currently paying my mortgage with a higher cost and interest rate : So what is the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has charged me a total of XXXX XXXX overdraft fees since XXXX. When I opened up my account I signed up for mobile alerts and email notifications to help keep track of my finances since they are offered by the bank. I do not receive any of these notifications. Chase in fact has charged me overdraft fees while my direct deposit is in my account in pending status. This situation has created an effect where now I ca n't balance my direct deposited income versus these fees. When I call customer service no one is able to help me and when I tried going to my branch they also turned me away. 

Chase also reversed a merchant dispute with no notice for charges that were a result of fraud at a nightclub. The denied re-opening this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: AE

Complaint narrative:
Platinum Holdings is attempting to collect a zombie debt by claiming that the debt I supposedly owe does not fall under the FDCPA statute of limitations. They have been calling my siblings due to my being out of the country. I called and spoke with XXXX and she proceeded to tell me that since it was a debt owed to XXXX, it falls under a " precious metals contract '' and has no statute of limitations. When I stated that I did not acknowledge the debt and wanted documentation proving the debt in order to seek legal advice, she refused to send me the documentation. She is now saying that their counselors will be proceeding with suing me even though I have not received any documentation. At. All. from them. She stated they were sent to my old address and it did n't show in her system that I had received the documentation. That 's because I never received anything from this company in any way, shape, or form which she well knew! Once I stated I did not acknowledge the debt, she proceeded to speak over me and got hostile. This is a debt that is over a decade old that they say I owe but refuse to prove that I do indeed owe. She refused to send me anything since I do not acknowledge the debt. This is a debt that does n't exist on my credit report! So there is no legitimate claim that I legitimately owe. She refused to send me anything after I refused to acknowledge the debt. I asked her for her agent number and credentials and she gave me her extension number ( XXXX ) instead saying that she is not an agent and has no credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking account with Chase as I was changing jobs and it seemed like a good time to make the switch since they advertised a promotional free {$200.00} when opening an account and enrolling for direct deposit. I generated the coupon code and presented it to the banker before he opened my account and was assured that it would be entered. 

About a week after getting my direct deposit I contacted Chase asking when promotion would be depositied into my account, and provided the coupon code as well as the Date/Time it was generated making sure it was on my account. I was then told that since it had been over ten days that I would have to go to a branch, which I did. 

The branch acknowledged my coupon, and was unable to enter it and I was told to contact support. I contacted support back who thanked me for my business but that they could n't enter the coupon. 

I am in no way at fault here as the banker failed to enter the coupon ( yet it was acknowledged it was valid ) and that was a primary reason I opened an account with them in the first place. If you are going to advertise a coupon you ca n't simply ignore it and then say it 's too late when the time to notice it is longer than the time it would take to show up. It takes up to ten business days for it to be credited to your account, yet you have ten days to tell them to enter it ( after it was already presented )?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chronologically, XX/XX/XXXX I purchased a home at XXXX XXXX XXXX, XXXX, PA XXXX. The mortgage was arranged through a mortgage broker, XXXX and the mortgage was through XXXX. It was a variable rate mortgage that I was steered into as the only available option to me. I never fully understood the ramifications or consequences. The mortgage was apparently sold quickly to EMC Mortgage. We took out mortgage protection insurance offered by the lender, but with the soon to be shuffle, problems within the housing bubble and selling of the loan which got worse and worse, somehow the insurance just disappeared. As it was an adjustable mortgage, it got to the point where I could n't afford the payments. Concurrently, other financial institutions got involved who I had no idea of, such as XXXX and XXXX. Actually, the first I heard of XXXX was when they filed a foreclosure against me. Shortly thereafter, Chase took over from EMC somehow ( very confusing ), and began a push to to have me modify the loan. Scared, and figuring I had no other choice, I followed their instructions, and modified the loan. Again, I did n't really understand the ramifications ; and it was n't until I sold the property in XX/XX/XXXX that I realized how bad a mistake this was for me. The original mortgage loan of {$240000.00}, which I had paid down to {$220000.00}, was now {$340000.00}! I was shocked to say the least! I ca n't understand the how and why of so many banks and deceptions in this convoluted mess. I did subsequently learn that EMC Mortgage and Chase were one in the same - they have the exact same address. I believe that I was initially forced into a bad mortgage situation by the mortgage broker, and when it adjusted to a much higher level than I ever anticipated, I was ultimately forced again this time into a loan modification which had an astronomical cost to pay off. I tried to secure a complete file of all documents including the mortgage insurance, but I can never get everything - Chase says that the loan moving from financial institution again and again, these documents are lost. I think they are conveniently lost so that Chase/EMC can strong arm me while giving the appearance of not being culpable for anything. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2016 XXXXET my balance read {$39.00} on that same day at XXXX ET my balance read {$45.00}, the following day XX/XX/2016 XXXX ET my account read {$200.00} without me depositing any more, I decided to call " Chase '' customer service to get clarity on this fluxing account balance the rep told me that the balance that is being sent to me is yesterdays end of day balance which i do n't understand why would send me a past balance if its not the current up to date.On XX/XX/2016 XXXX ET my balance was - {$42.00} I decided to visit a " Chase '' an speak to the branch Manager. I spoke to the manager about the problem and was explained that a merchant I brought merchdise from took a week to take the funds I replied " I understand that but I called customer Service about my account changing daily, and no one informed me of thats why and let my account go negative thats why I 'm upset '' the Branch Manager responded saying " A lot of out customer have had issues with faulty daily balances '' I decided to close out one of my accounts and withdrew {$4300.00} and left {$100.00} in my other account cause I have my payroll check waiting to be deposit and ask that my debit card still be linked to that account. Only later to find out that my Debit Card was closed out as well. I submitted a compliant to " FDIC '' as well on an issued i have had with " Chase '' while I was working out of the country it was just to lengthly to write here as well but this is another recent issue I have had with " Chase ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have my mortgage with Chase, they have a system whereby you are able to pay by phone, the system acknowledges receipt of funds on the day the payment is processed subject to you providing you providing your routing number and checking account number. Upon receipt of my statement, Chase reflected that the payment was processed a day later and charged me a {$25.00} late fee. This has happened on XXXX occasions to me this year. In the past when I called they acknowledged a 'systems glitch ' but this time they would not refund the fee after spending nearly an hour on the phone and speaking to multiple agents. How many customers are charged fees like this every month, its an obvious attempt to delay the posting of payments to rack up late fees. I would like the XXXX to investigate my case and the overall business practice here. Since mine is a HELOC, the late fee is fixed, however on traditional mortgages the late fees could be significantly higher. Thank you in advance for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: VA

Complaint narrative:
In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Back in XX/XX/XXXX a claim showed only on Equifax. I contacted Equifax, got the phone number and contacted the collection agency. They could not find my account. This was disputed with both Equifax and XXXX Outcomes via XXXX Certified Mail XX/XX/2016. Response in writing was requested and there was no response. XXXX responded to Equifax ( according to Equifax ), but did not contact me nor send me the information requested under my rights by the XXXX XXXX. I simply requested name and address of original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. Any fees added by the agency under XXXX ( a ) ( XXXX ). Texas XXXX bond information as required by XXXX. I received no response and have not received any response since XX/XX/2016. I filed a second dispute with Equifax and Equifax again said, " XXXX said it 's yours ''. I am filing a complaint with you and I will be writing a formal letter to Equifax requesting the letter be presented to any creditor reviewing my report. I still to this day ( XX/XX/2016 ) have not received anything from XXXX. This is not my account and furthermore they refuse to send me any information proving it is my account. Because they do n't have it. This is on my credit report and needs to be removed.

Company response to consumer: Closed with explanation
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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I want to make a complain against Navient. I have been paying my school loans since I believe XX/XX/XXXX/XX/XX/XXXX and just recently in XX/XX/XXXX I lost my job. I called Navient to see if I had other options besides forbearance. They mentioned this would be my only option but this would still mean that my percentage rate will still apply every month regardless. Its frustrating to me because I have a very high interest rate that they wo n't allow me to change. So I am paying double at the end. When I did file for a loan I was not aware of how much interest rate I would get hit with. I am out of my wits with no help and a growing loan that has not yielded anything for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation