vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got a new Chase XXXX credit card in XXXX due to the XXXX XXXX bonus points offer that was affiliated with the card. I called and was told that I had to spend the {$2000.00} required and then pay my statement and the points would hit in about six weeks time. 

I met the spending requirement just shy of the new year and the ChaseXXXX did the points transfer immediately as opposed to what I was told. I needed this points to hit in XXXX though, not XXXX, as the whole objective was for me to get points towards the companion pass with XXXX. I called them to get corrected and they apologized for the issues, but said there was nothing they can do. I would just like these points moved into XXXX recognition. Feels like they intentionally expedited this process to keep me from hitting this threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have lived in my home for 45 years but due to inaction and incompetency on the part of my mortgage lender Chase I am in danger of my house being sold at foreclosure auction. I have spent the past 5 years attempting to resolve my issues with Chase. I am able to make a reasonable mortgage payment, but due to the failure of my business and the crashing of the economy I was not able to continue making the monthly payment after it adjusted up while my income was going down. 

Please understand that I have paid my mortgage on time for nearly 40 years. I refinanced through Washington Mutual around XXXX and they put me into an adjustable FHA government insured loan. I thought that my payment would be stable and reasonable, but I found out later that Washington Mutual misled me and my rate and payment increased over time. I had opened a clothing business in XXXX which was initially successful. Of course, the following year the economy crashed and my sales suffered. I hung on for another year but then a XXXX XXXX opened across the street and that was the beginning of the end. 

In XXXX I was struggling and could not afford to make the full monthly payment on the mortgage. I attempted to make partial payments to Chase but they would not accept them. I was told instead that I could apply for a loan modification. I began the process back in XXXX. Since that time I have spoken with Chase at LEAST 100 times on the phone, have sent them thousands of pages of paperwork but yet have never actually been reviewed for any programs. No formal completed review, no denial, just total runaround for XXXX plus years. I feel like a hamster on a wheel!!! The problem is that now they have set a sale date for XXXX XXXX and I fear I am out of options. It does not have to be like this. I receive retirement benefits as well as unemployment payments. Also my son is living with me, he is employed and contributes towards the bills. If Chase would actually take the time to review my information they would see that I can afford a reasonable payment. The problem is they have never taken the time to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: ME

Complaint narrative:
Prior to XX/XX/2013, I was submitting student loan payments manually via NelNet.com to my loan servicer, NelNet. In XX/XX/2013 I set up auto-debit. Because the auto debit would take time to take effect, I was told to submit a final payment manually via nelnet.com, I did. My loan was never delinquent during this time, this has been confirmed by NelNet. 
However, NelNet put my loan into forbearance without my request, and despite my loan payments being up to date. They redisclosed my loan and my monthly payments rose by a small amount. I have been paying them since 2013. 

I noticed this recently, and called NelNet. After they assigned a specialist to look at my case, they agreed to retroactively to remove the forbearance that occurred back in 2013, acknowledging that this forbearance was unnecessary ( it was never requested, and never applicable, because my loan never went into delinquency - it as a technicality that occurred as a result of me setting up auto debit ) but they WILL NOT retroactively adjust for the redisclosure that was triggered by the forbearance. Therefore, I have had a higher principle balance that I have been paying diligently for 3 years. 

My loan servicer put my loan into forbearance despite my on-time payments, and redisclosed my loan without giving me an explanation as to why this was happening. My monthly payments rose due to a technicality from me setting up auto-debit, and they failed to notice this or resolve it. I had the best of intentions by setting up auto-debit, and was penalized by NelNet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
WAMU had steered my mother and sister toward an unwanted second round of risky, toxic mortgages, incentivized by larger branch bonuses, relieving both women of their available Heloc capital. Chase now servicing those loans, and profiting from such, refuses after numerous attempts, to explain where the money went even after providing them the HUD docs with circled values. I was told " We will not speak to that at all ''. Chase attempts to tell us that these loans were originated in good faith in the face of the CFPB 's own rules for preventing Originators from Steering Consumers into Risky Mortgages. 
Mother and sister were targeted - a second round of risky mortgages were pushed upon them, thus relieving them of their available Heloc capital, Chase is profiting from servicing these loans, and they will not address on any level the numbers in the HUD documents. These loans were NOT executed in good faith at all as per what Chase is claiming.

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 double charges by merchants, and very large unacceptable fees by bank. 

I have had double charges by merchants for many many years, this has caused my banking to become a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/XXXX I received a notice from Chase that my escrow balance was short {$530.00}. They gave XXXX options of how to pay it. XXXX was to do nothing and my new mortgage payment would be {$1100.00} So I paid {$1100.00}. What I failed to notice was that the new payment did not start until XX/XX/XXXX. After lots of time on the phone with Chase, we discovered that they applied my XXXX mortgage payment of {$1100.00} to my escrow shortage and did not give me credit for my XXXX payment. They are saying now that I am behind on my payments and I owe! 0 months of late fees. I have made every payment and I have made them on time. In XX/XX/XXXX my mortgage payment was {$1100.00} so they would not credit my mortgage payment because they said it was short.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank ran an inquiry on my XXXX XXXX and XXXX credit report. This was done without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet has been my loan servicer for XXXX groups of Stafford loans that I took out between XX/XX/XXXX-XX/XX/XXXX to pay for medical school. I began paying on my loans XX/XX/XXXX on an income-based repayment plan, because I was counseled by Nelnet that my loans qualified for the public service loan forgiveness ( PSLF ) program and I work in the nonprofit sector of XXXX. I diligently made my payments for six years, renewed my IBR annually, and checked in with Nelnet 1-2x a year to ensure everything was on track. This year, after making 6.5years of payments, I submitted my paperwork to the federal goverment PSLF and was denied on the basis that my loans were not " Direct '' loans as Nelnet had claimed them to be. When I called Nelnet I was told, " The government must have made a mistake, your loans should be eligible. '' When I asked them to look further or talk to a supervisor, they realized that " For six years we had been telling you the wrong information, your loans do not qualify. '' The representative also said, " If you do n't like the answer that you get when you call Nelnet, you should call back and speak to someone else. There are many people here that will say anything to get you off the phone. '' Nelnet made an egregious mistake that will cost me hundred of thousands of dollars. Instead of having my loans resolved in the next 3-4 years ( PSLF requires 10 years of payments/employment ), I am at least 10 years away from having my loans qualify for the PSLF. I am a highly educated, motivated and pro-active person who is feeling the strains of student debt, and I can not imagine how many others that Nelnet has wrongfully counseled regarding incorrect eligibility for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
We were trying to access Experian Free annual credit report online ( last accessed XXXX ). Error message states : " We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. Please try again in a few minutes. If the problem persists, contact customer support. Error Information XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX '' 2nd attempt about half an hour later resulted in " We were unable to honor your request ... '' and directed that we could provide this request with copy of driver 's license and utility bill at www.experian.com/upload. 
3rd attempt via upload link resulted in " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' So now, to get a " free ' credit report, I have to mail this, paying for certified service in order to get receipt information. 
Copies of documents attached. 
Thank you for your time & consideration.

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 non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Normally I make my rent payment monthly thru on line bill pay. 
In this way Chase takes the the rent amount {$1200.00} out of my account, secondly Chase sends the check to the payee by regular mail. I as a client only see the amount of the monies taken out of my account. The rest of the service is performed by Chase. On XX/XX/2016 the payee, called me to advise me that they had not received the rent check, but the money had been taken out of my account on XX/XX/2016. 
In checking the details of the payment, on the check remitted by Chase where the check picture is shown paid and signed I realize that the name of the payee on the check has been altered. 
Customer service from Chase recommends to file a complaint with the police department. 
Customer service from Chase tells me that the check was cashed at XXXX XXXX and that they are working on a rapid solution to the problem, but they contradict themselves in telling me that they do n't know which bank cashed the check. 
The police department recommends that I find out the bank where the check was cashed. 
As a Chase client I feel left out in the cold and waiting for a long process that is not clear and could last up to 120 days with a possible answer of not crediting me back the {$1200.00}. 
This type of service online bill pay is not safe for the client and Chase does not assume the responsibility of the lost funds until the monies are transferred by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As a result of of my complaint to your office with a complaint case number : XXXX, Chase did not fully comply to providing me all the credit it overcharged me nor did it provide me the reason while it reported me as a charged off account with discrepancy in what it stated I owed and the " Stated Charged Off Amount ''. as I was trying to work with Chase, while paying as agreed to get to a number that we can both agreed on until there was an impasse. Chase in XXXX then provided me with a XXXX with inaccurate number as a charged off amount, knowing that I must report it as income with the IRS. 

Unknowingly, I was not the only party that Chase had been playing with its account in the State of Florida. This information was brought to Court and I was named as part of the Plaintiff in the Class action suit brought by XXXX, et al. v. Chase USA, NA, with a case number XXXX. This case was finally settled by Chase rather than risking a full trial and Chase made a payment to all class members including me. As a result of the settlement, I informed all the XXXX credit credit reporting agencies that the derogatory information reported by Chase must be immediately removed from my credit file since no agency should reward fraudulent activity no matter how small, however, Chase refused to allow the reporting agencies to remove this derogatory information, which even without the class action lawsuit would have been inaccurate. It is as a result of this pressing and damaging issue that I approach your agency for a positive resolution since Chase has settled the case in a Court of Law and should no longer be rewarded to continually damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Leaders Financial Company
State: NJ

Complaint narrative:
I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have a federal student loan serviced by Nelnet. After I graduated in XX/XX/2010, I was n't making enough money to make my payments. When I called them up, they pushed me into a forbearance. The same thing happened a year later, when I still was n't making enough money - I called up, explained my situation, and they put me in forbearance a second time. Little did I know, there was such a thing as income based repayment. I could have afforded {$50.00} a month, or maybe just paid the interest. In retrospect, I could have saved several thousand dollars in accrued interest if they had just offered me an income based repayment plan instead of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 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 had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I was declared fully and permanently XXXX by a sitting Federal Court Judge in 2004. My income derived from SSXXXX. My income is below poverty level and a wage garnishment by Nel-Net, the XXXX current loan shark, has taken my income even farther below poverty level and it seems the dept of edu has their own standard of determining who is XXXX and who is not since they can disregard the decision of a Federal Court Judge and the panel of experts sitting with him. They conferred with each other, before the jusde handed down his decision. 
In my XXXX semester at the university, I began to enter a XXXX ( XXXX ) and informed my instructors I needed to withdraw from their classes. I was enrolled in XXXX classes. I attempted to contact my student adviser through calling and e-mails, but she never responded to advise me in any way. I was between my XXXX to 4th week at the time. The university showed me as having dropped out and charged me for the entire semester. This was in XXXX. Now my below poverty XXXX income is being garnished, for XXXX, by a loan shark company who continues to add on penalties while they collect on the loan. I have tried for 2 1/2 years now to get this loan deferred with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication. 

This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.

Company response to consumer: Closed with explanation