vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: NJ

Complaint narrative:
I 've had issues with Nelnet and the distribution of payments since I began paying off my student loans a few years ago. An article for the CFPB suit filed yesterday against Navient caused me to look into my own payment history. Sure enough, for the last XXXX months, my payments have been distributed to only XXXX of my XXXX loan groups. This issue has occurred on multiple occasions and normally handled with a call or a Live Chat session ... until the next time I look at my account. The reason I get from the representative is that since I voluntarily paid more toward the XXXX loan group ( added money on top of my autopay ), they were distributing my automatic payment to the other XXXX groups in an effort to catch up. This XXXX loan group, although I am ahead on my scheduled payment, stays idle and collects interest. For the last XXXX months, my automatic payment has not been distributed to all XXXX loans and I am collecting interest on this neglected XXXX loan group. 
In addition, you are able to autopay more than the minimum but that will be distributed throughout all of your loan groups. Nelnet makes you need to go to a different part of their site to specify an additional payment to any XXXX specific loan group. One of the most efficient and effective way to tackle student loans is to target the highest interest rate loans. Nelnet makes it inconvenient to pay by specific group by not allowing you to automatically pay extra to any XXXX specific loan group. 
This is a regular occurrence for me, and with the recent claims against Navient, I would not be surprised if this was occuring with Nelnet as well. I am diligent in paying off my student loans, but I am submitting this complaint on behalf of the thousands of other students buried in student loan debt who are potentially being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was informed by my Mother that she was contacted by the XXXX XXXX XXXX with a court order document # XXXX and that I am required to appear in court and a telephone number was left for me to return the call. I then called and was transferred to a XXXX XXXX XXXX who claims to be a Paralegal for XXXX XXXX XXXX. 

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid my full credit card balance to Chase ( Amazon.com Rewards ) card ahead of the due date ( paid electronically through Chase 's own site ), but they did n't process it until after the due date. The next month, I was assessed a {$25.00} fee on {$0.00} interest from the prior payment. 

The {$25.00} fee was forgiven, but not the {$0.00} cents. And then a {$15.00} fee was added - no explanation on that. 

I am told they ca n't do anything about the {$15.00} that I now owe - which I should not owe, as I paid on time to begin with. 

I find this predatory and dishonest. When a consumer pays though Chase 's site, and the payment is n't marked as received when it is paid, the problem resides solely with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase closed my credit card account which had XXXX balance without notifying me. i had accumulated {$150.00} dollars in credits which were forfeited upon closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am a US citizen and was interested in buying a horse from XXXX. A local XXXX, XXXX XXXX, was contacted by my buyer agent to perform a pre-purchase XXXX exam of the horse. XXXX XXXX was instructed by email to follow the usual procedure for these exams, which is to begin with a review of medical records, if all is well, then proceed to a physical exam. If anything important is found, stop the exam and contact us for authorization BEFORE proceeding with more expensive tests such as XXXX, etc. He agreed to this arrangement in writing and required my credit card information before scheduling. 
On examination, he noticed an XXXX on the horse 's XXXX. The medical records revealed the horse had XXXX a few months before ( and was NOT disclosed to us by the owner ). This is a significant finding and disqualified the horse from purchase. Instead of stopping the exam at this early stage and notifying us, as agreed, the doctor instead continued billing with expensive and unauthorized testing totaling {$3900.00}. 
I tried to resolve this with XXXX. I offered to pay him {$200.00} for his review of records and initial physical exam of the horse when he first saw the XXXX. No response. 
A credit card dispute was immediately started with Chase. Multiple documents and expert opinions supporting my request for a chargeback were submitted. In good faith I made the same offer of {$200.00} which Chase accepted payment. The dispute for the remaining {$3700.00} dragged on. 
Over 4 months later, Chase rebilled me for the {$3700.00} amount. I will appeal this decision again and institute a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Last XXXX 2015 I filed a RESPA request with Chase see attached, and still it has not been responded to. I believe that my Consumer Rights have been denied ; AGAIN with this bank!! that is adament to foreclosing on me while keeping me unable to obtain my rights under our laws of the United States RESPA act. All of my complaints as of so far are essentially been ignored with the same responses from Chase that they refuse to acknowledge me as an American Citizen with RIGHTS!!!! I will not be foreclosed on by being kept from obtaining my rights!! to allow Chase to continue to abuse and rob me for its own financial gain!!! I demand this RESPA be responded to or I will be forced to approach our court of law to be acknowledged of this legal request!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: WA

Complaint narrative:
I submitted an application to my lender, Nelnet, to repay my loans according to my income. I submitted all of the proof of income information required with the application, STAPLED to the application. Weeks later Nelnet emailed me requesting all the information that I had already supplied, I am basically homeless, getting check copies and applications printed out was an enormous task in the first place, and to have them ignore the fact that I had ALREADY provided the required information caused me to lose confidence in the process. I had XXXX major surgeries last year, and have never been able to acquire a full time salaried position after graduation in 2007, even though I have a XXXX degree. I was evicted from my home last year after my first XXXX, an XXXX, everything I own is in a storage unit. I am barely surviving in my current circumstances, getting my student loans on a fair payment plan is critical to my future. I do n't have faith in my lender to do right by me, so I have basically given up. I feel as if I am buried in a very deep hole and there is no way to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The bank filed to take my payment on XXXX resulting in a negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
Last week I began receiving collections calls from Nationstar Mortgage concerning this month 's payment which was due on the XXXX the month, but was now the XXXX the month ( a week and half after the XXXX ). After that first call I went to their secure website, logged in and sent them an email advising them not to either call my work or cell phone in accordance with the Fair Debt Collections and Practices Act of 1974. The next day and each proceeding day after that I kept receiving collection calls from Nationstar Mortgage. I went back to retrieve that email that I had sent them and it had been deleted by Nationstar. 
The second time Nationstar called I advised them that my wife and I were advised by our Real Estate Agent not to make this month 's payment in that this may cause some difficulty somewhere in the selling process. I also advised them that I would provide Nationstar with documents showing that our house is being sold. Nationstar still kept calling and sending emails. They refused to either work with me or believe my story. 
In short, Nationstar violated the Fair Debt Collections and Practices Act of 1974 and based on that I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/16 I discovered an authorized debit transaction on my checking account. The transaction was an international wire debited from my account on XXXX/XXXX/16. The amount was for {$2500.00} + {$50.00} fee. I never filled out any wire or conducted a wire transaction. 
On XXXX/XXXX/16 I went to my local Chase branch ( Branch Manager XXXX XXXX ) to notify them of the unauthorized transaction. XXXX XXXX researched the transaction and confirmed that I was not the sender of the wire. Since the debit was a bank error, XXXX XXXX refunded NSF fees of {$12.00} on four occasions. This goes to show that it was a bank error. 
For several days thereafter I visited the branch at least three times to speak with XXXX XXXX. On one of the visits XXXX XXXX told me they were trying to locate the beneficiary of the wire in order to refund my money. 
On XXXX/XXXX/16 XXXX XXXX contacted me by phone and informed me that he was going to refund my money + wire fee to me no later than XXXX/XXXX/16 or XXXX/XXXX/16. As of this writing date, XXXX/XXXX/16, no funds have been returned to me. 
It is my understanding this fraudulent transaction is covered under Regulation E and I believe the branch manager - XXXX XXXX - is not complying with the law and is withholding information to my detriment. 
Please assist me to return my money + fee. XXXX XXXX 's reluctance to assist me is a violation of the law ( Regulation E ) and amounts to theft. 
Chase 's negligence has caused me great harm as I have had to live without my money for nearly one month. In addition, I am not receiving clear information from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 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:
Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court county, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a mortgage through Chase bank. My home was foreclosed. Now, Chase bank continually harasses me with " mortgage assistance '' help! I have called a nd mailed them several times to stop - they continue. I receive mailings several times a week. This is ridiculous. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My husband had XXXX, and he did n't understand the difference between credit and debit cards, so he got us into lots of trouble often. We filed Chapter XXXX in early XXXX, then in XXXX XXXX he passed away, I was told to turn the XXXX into a chapter XXXX, with the agreement to keep my house and car. So it was filed and I was discharged in XXXX XXXX, I found out about 4 mos later, my car and my home was added to bankruptcy. But I was continuing to pay XXXX. I went to another Lawyer and was told they could do nothing about it. there is lots more descrepancies on my report. Inquiries specially from a certain Co., and I have called them crying asking them to quit. A collection was placed on my file, that was not suppose to be. The lawyer that represented me was banned right after that for causing so much trouble and frauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
unauthorized inquiry on my XXXX and XXXX credit report. i did not apply for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied Chase XXXX XXXX Credit Card on XXXX/XXXX/2016. To meet to minimal spending for sign-up bonus, I used it to made purchases about {$2500.00} on the weekends. But they suspended all of my Chase credit card on XXXX/XXXX/2016. After a call to Chase Customer Protection department, they assured that I would get a phone call in XXXX 7 business days. Until today ( XXXX/XXXX/2016 ), I never get any call from them. And I already pay off all the balance in both accounts last week. I have more than {$800.00} in XXXX accounts, which I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX I opened an account with Chase Bank in XXXX Ohio. On Saturday XXXX XXXX my wallet was stolen and my debit card was utilized for multiple transactions totaling in {$880.00}. My wallet was stolen at about XXXX XXXX, and I was unaware of its absence until approximately XXXX. I had miss placed my phone and was unable to call to report it stolen so I used a disconnected cellphone through its wifi capabilities to message an ex of mine whom I still shared an account. He called the visa card fraud agency at XXXX to report my cards stolen for me. First thing Monday XXXX XXXX I went into my local bank to report my card stolen. My personal banker spoke with the fraud department personally and filed the claims on the fraudulent activity for me per their specific instructions and informed me the money would be back in my account within 5 days. On XXXX XXXX I filed a police report with the local police, report # XXXX. On Friday XXXX XXXX I called the call center after work to find out the status of my claim and I was informed it was being denied because it was filed improperly. On Monday XXXX XXXX I went back in to my local branch to have them refile the claim since they were the ones responsible for the way in which the claim was originally filed and again my personal banker called and went through the process of filling the claim as he was instructed. Again my claim was denied, this time they said it was because of the short length of time in which I had been in business with them. I again requested to have it reviewed, this time the claim was sent to the executive office and again it was denied. This time they claimed it was because I was able to access it from a mobile device but I had not yet called to report it stolen. They acted as though they did not believe me that I was using a disconnected phone via wifi, and refused to acknowledge the fact they failed to deactivate the card after my ex-partner had called and reported it stolen through visa. I went into the branch the following day to see if there was anything they could do and they spent over an hour on the phone until they were informed there was nothing they could do for me and that they were to inform me Chase was terminating our relationship. On XXXX XXXX I received XXXX checks from Chase in the amounts of ; XXXX, XXXX. The XXXX for XXXX is the exact amount for XXXX of the fraudulent charges, the other does not match any of the charges. I do n't understand how they can pay me out for XXXX of the fraudulent charges but not for the remaining charges if they claim it was due to my behavior/actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JP Chase Morgan Bank filed a collection suit against my ex-wife and myself XX/XX/XXXX. We hired and attorney and pointed out the debt was not owed and the case was dismissed WITH prejudice on XX/XX/XXXX. Since that time, JP Chase Morgan collectors have repeatedly contacted both of us attempting to collect this debt. When it is pointed out that we do not owe the debt and that they are attempting to collect on an noncollectable debt, the calls stop temporarily. Today, I was again contacted by a XXXX from JP Chase Morgan collections unit ( no last name given on voicemail but extension XXXX ). I again pointed out that this is an noncollectable debt and he stated he knew they can not file suit against us but they are still going to attempt collection and that the next step is to assign the debt to another collection company. I advised him to stop harassing us and no longer contact us via phone. 

How can JP Chase Morgan continue to attempt collection and threaten to assign this noncollectable debt to another collection company? This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: PA

Complaint narrative:
Everything was fine up till closing, our lender BECU reported everything was " on schedule '' or even " ahead of schedule '', but missed the final disclosure deadline of 3 days before closing. At XXXX the day before closing, BECU contacted us requested a 15 day slide as they could not meet the agreed to date. After rescheduling utilities where possible, canceling family travel plans, and spending the intended closing day calling around BECU, final disclosure was agreed to be completed 8 days delinquent instead of XXXX and our appraisal fee would be reimbursed. 

The new final disclosure date was met, however the final disclosure documentation featured a significant increase in closing costs ( 33 % increase ) and cash at closing ( 39 % ) due to an error on BECU 's part ( for initial estimates they used 2 months for school taxes escrow, on final disclosure they used XXXX months, a {$5000.00} difference ). Since we are only 3 days from our new closing date, there is implicit pressure to accept these XXXX and so far all phone calls to management/emails to our officer have not been returned or acknowledged our concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
RE : XXXX credit Card Missing payment history Dear CFPB : Upon review of my credit report, I discovered that my payment history reporting on credit card account from XXXX XXXX XXXX was missing 12 months of payment data from Experian. The account payment history credit report on XX/XX/XXXX reflects the original opening date of XX/XX/XXXX and reporting data on that month XXXX XXXX XXXX. 
My XX/XX/XXXX credit report reflects a change in the " XXXX reported date '' stating XX/XX/XXXX and XXXX months of payment history deleted from this account. 
This account has a perfect payment history and is not reported correctly by the credit agencies. I suspect that someone had done this to cause the age of the account to shorten thereby causing credit score changes/anamolies. I have contacted XXXX and informed them of the dispute, I am following up with the CFPB in regard to this situation because I suspect the employees, credit managers, or data furnishers of the agencies are manipulating credit data to cause reductions in individual consumer credit scores. 
I ask the CFPB to investigate these issues of missing payment data on existing consumer accounts that are in good standing. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I went to make a purchase at a local merchant, and he said the minimum purchase amount was {$15.00}. This seemed unnecessarily high. I was under the impression that, under Dodd-Frank, such minimums could n't exceed {$10.00}. When I called XXXX to complain, they indicated that the merchant was free to set whatever minimum they wanted. Could you clarify what the law says? Does it depend on what state I 'm in?

Company response to consumer: Closed with explanation