vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 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: TN

Complaint narrative:
I enrolled at XXXX XXXX XXXX in XXXX, TN. Under the terms that I would attend school online and not in a classroom. I would also have assistance obtaining a job upon graduation. I started school, and never had a chance to take classes online. After starting I had to find a baby sister since the advisors never enrolled me in online classes. I also missed classes that I had to pay for due to me working during the day, and they had me scheduled for day classes. I was never able to obtain assistance in finding a job. I had to withdraw from school due to financial issues and finding a baby sitter for my small child. After getting the run around the school closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I just found out about the Consent Order vs. Portfolio Recovery Associates , LLC. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with Portfolio Recovery Ass. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with Portfolio Recovery Ass. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much XXXX ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?

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

Complaint narrative:
I filed a dispute for XXXX on my credit card for a purchase XXXX XXXX tickets. I was scammed by XXXX XXXX and wanted my charge removed. The dispute number was XXXX. XXXX XXXX was the Chase employee that rejected by dispute. I feel that Chase should reconsider. I was unable to attend the show and was charged additional tickets in error. It seems that chase should protect their insureds from scams like XXXX XXXX. I have attached the response from me to XXXX. In addition I would think I should have received a call back from XXXX. I left her several messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a home mortgage modification with Chase bank 6 years ago. Original mortgage was XXXX. Chase modified my mortgage as follows first 5 years 2 % interest year 6, 3 % year 7, 4 % year 8,4.35 % for life of loan which was a 30 year mortgage. They deferred XXXX till end of note and a balloon payment in the amount of XXXX at end of note. The value of my home is around XXXX right now I guess i owe around XXXX. Are you kidding me? Obama making home affordable act!! What a joke!! XXXX now has my mortgage and I was told there was nothing they can do, as far as i can see, this is criminal. The banks got bailed out, what the XXXX is going on???? I need help getting my mortgage back to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
We were contacted by a former neighbor of ours telling us that the current owner of the house we sold to him in XX/XX/XXXX had received a credit card in his mailbox with my name on it. I drove over to my former address and retrieved the credit card. The card was a Chase Signature Visa Amazon rewards card. I had not applied for this card, and was shocked that it was sent to an address I had not lived at for 3 and a half years. I called Chase Bank and a customer service representative told me that they had received an online application for the credit card on XX/XX/XXXX. Again, I did not submit this application. I asked Chase why their computer systems were so poor that they could not recognize the disparity between an old address and a current address. They had no explanation for it. Had the gentleman that bought my former home in XX/XX/XXXX not taken the trouble to alert me, who knows how this problem would have evolved. For now, I have placed a 90 day freeze on my credit activity through XXXX. The Chase representative closed the account and noted the activity as fraudulent. He claimed that the XXXX credit bureau would be notified about this credit event as fraudulent also. Given the depths of the current XXXX bogus account creation scandal by their own employees, I find what Chase Bank did in this case highly questionable. Is it extreme sloppiness, or was it deliberate? Either way, sending out a credit card to an address over three years old is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We were contacted by Chase that they suspected credit card fraud on our card for {$5.00}. We verified the other purchases by could n't verify that one that they stated originated from XXXX. Our credit card was immediately stopped and they mailed a new credit card to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Platinum Holdings Group, LLC
State: OH

Complaint narrative:
Premium Asset Services LLC has violated multiple sections of the FDCPA Act, including threatening to pursue criminal charges due to " fraud implications attached to my file ''. Further the company and a very rude, threatening man going by the name of " XXXX XXXX '' has contacted several of my current and also former worker places, along with my father ( he also claims to be an attorney ; if he is, he should be disbarred ). He continues to do so, despite being told not to call. Additionally, I have requested documentation indicating that they own the debt and it has not been provided. Actually, I have a letter from another company indicating that they own the debt. I have been scammed by companies alleging to own debts that they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank has charged a higher interest rate than allowable by law. I incurred a charge of {$95.00} for my credit card annual fee on XXXX/XXXX/2016 and this was paid in full the following day on XXXX/XXXX/2016. The interest charged on this amount was {$1.00} which equates to 1.147 % per day or 418.79 % per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank has been our mortgage holder and we are up-to-date with our mortgage payments. Last year, on XXXX/XXXX/15, I found out that my job was being outsourced to an outside contractor and this job loss led to 5 months of unemployment. We kept up with the mortgage during the unemployment with great difficulty. However, the ONLY job offer I got was for a job where I would suffer a reduction in pay of {$46000.00} per year. I previously earned {$120000.00} and now I am earning {$76000.00} at a XXXX job. I had applied for mortgage assistance through the Obama Affordable Homes program on XXXX XXXX. Chase keeps sending me paperwork saying that additional documents are needed ( establishing a paper trail ) but the application was submitted intact on XXXX XXXX. When they call on the phone, I help them find the " missing document '' in the pack, and then they say that they will get back to us once the " underwriters '' approve it. This is on a recorded line. This has happened a number of times. Now they are saying that it will take another month for the underwriters to finish the application process. Although our mortgage is being paid, we have no money for food and we are looking for Chase to modify our mortgage so we have more available cash since I am not earning as much as I used to. I reported this to the XXXX on XXXX XXXX on Complaint number XXXX. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi my name is XXXX XXXX. I just open chase credit for one month.they close my account for no reason.now it affect my credit line. My chase account number is XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a signed and notarized paper on a credit card that was taken out in my name and the debt was drop and was told it would be taken off my credit report to all XXXX credit bureaus and it still remains there, the company said it would send to all XXXX and would be dropped in 30-90 days and that was XX/XX/2011.XXXX never did this for me in the 2 and half years I hired them, please help me with this matter.this is hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a loan with XXXX for my 30 year mortgage. It was sold last month to Chase mortgage. Ok, no problem but I was paying half in advance to reduce my total interest through the life of the loan. Chase says they do n't do that. Now I 'm being penalized as a consumer for no fault of my own. Should n't I have the same loan I had previous? Also earlier I had the loan with XXXX and they sold it to XXXX with the same loan payment schedule as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Due to our payment due date ( XXXX XXXX, 2015 ) falling on a Saturday, Chase posted an announcement on Chase.com stating that payments received by Monday, XXXX XXXX, 2015 would not be considered late. On Monday, XXXX XXXX, 2015 at XXXX EST, I made our monthly mortgage payment on Chase.com from an External Checking Account. According to the information displayed on Chase.com online payment screen, the cutoff time for " same day payments '' from an External account is XXXX EST and XXXX when paying from a Chase account. 

There is an error within Chases online payment system that Chase is ignoring. I presented this same issue to Chase about a year ago and see that it is still a problem with classifying payments made from External accounts prior to XXXX EST as Same Day payments. 

Not only for myself, but other consumers, this gap is causing consumer to be billed late fees in error and potentially causing delinquency for some. When I spoke to the representative in Chase Online Banking department on XXXX/XXXX/15, they said they were unable to make any adjustments due to the payment posting after XXXX/XXXX/15 when they clearly see that I made the payment at XXXX EST on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has been making me to make my mortgage payment in CASH ... on loan number XXXX. I was told that I had to pay in CASH because I was XXXX, and had a previous check ( NSF ), which I tried to explain to them that my vehicle been broken into, and my check book was stolen, and that I had to close the checking account due to attempted fraud on the checking account. No where in my loan documents does it state at ANY time or regardless for ANY reason do I have to make my mortgage payment in CASH only!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a loan mod with Chase. A complete loan mod package was submitted and received by Chase on XX/XX/2017. XXXX from XXXX XXXX XXXX XXXX XXXX XXXX spoke with Chase on my behalf to confirm the submission and that Chase was in possession of the loan mod package on XX/XX/XXXX. A sale Date of XX/XX/XXXX has not been postponed. My loan # with Chase is XXXX. I need help, I want to keep my home. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( " You have been previously been informed of our rules, have n't you? '' " I know you 've been refused on this before.. '' for example. ) I do n't understand why they are so interested in generating ill will. I do n't understand this commitment to punish and humiliate a formerly good customer. I would like to hereby issue a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase was offering a " refer a friend '' promotional offer if I refer a friend and they signed up for the Chase XXXX XXXX Credit Card and spend {$4000.00} in the first 3 months after account opening. For referring a friend I was to receive XXXX K bonus points. I sent the referral via email ( the promo was in email and required the friend to click the link in the email to sign up ) to my fiance whom I live with. I watched her click the link and sign up for the card. She subsequently spent the {$4000.00} within the 3 months as stated in the promo offer and received the XXXX bonus points. However, I was notified by Chase that I will not receive the XXXX bonus for referring her because " she must not have follow proper steps '' as noted in the letter I received from Chase Customer Service. She signed up for the card, spent the required amount and received the promo offer however I did not receive my bonus as explicitly stated in the offer. Chase should review their platforms handling the referral process for any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CHASE Credit CardXXXX XXXX, XXXXClosed $ XXXX DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Credit CardAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXX Date XXXX XXXX, XXXX $ XXXX -- Monthly Payment $ XXXXResponsibility Authorized UserBalance $ XXXX Balance $ XXXX Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX 30/60/90 Days Late 0/0/0Remarks Charged off as bad debtCanceled by credit grantorMy deceased fathers debt. Not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We moved XXXX in XXXX and our renters in our home stopped paying rent so we were unable to pay our mortgage starting in XXXX. The foreclosure on our home took quite a long time and is therefore still on our credit report. I 'd like to complain of prolonged process and hardship for this foreclosure and have it removed from our credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 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:
A merchant submitted an ACH 2 1/2 weeks after the transaction occurred. The bank reversed all my already posted transactions, apples the two week old transaction then reapplied my already posted transactions charging me in excess of {$90.00} in overdraft and will be charging me additional overdrafts for the reversal. When asked, they could not assist. The call was recorded and upon transfer the call was dropped. I then return call and asked them to refer to system notes. Representative advised there were none and that they do not keep account servicing notes. XXXX calls have been recorded by me XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased XXXX train tickets on XXXX XXXX 2015 on XXXX. I received an email that my order did n't go through. " XXXX was unable to process the payment for your recent order. Please contact us at XXXX XXXX XXXX XXXX to so we can complete your order and confirm your reservations. '' After seeing this I purchased new tickets on the exact same train hoping that the order would be processed because I was traveling from XXXX XXXX, to XXXX and wanted to make sure the order was confirmed. Immediately following the XXXX purchase I looked at my chase account and saw that the original order did in fact go through and now I was being charged for not only the {$190.00} but also the XXXX order of {$200.00}. XXXX XXXX told me there was nothing they can do, and when I contacted my bank ( CHASE XXXX they looked into it and decided I was liable even after I showed them the email. So basically I was charged {$390.00} for a round trip tickets for two instead of the original price of {$190.00}. I still have the email XXXX to prove I was mislead and taken advantage of. Im disputing the {$200.00} charge because I feel that this is truly unfair business practice and that they stole {$200.00} from me. Please look into this and see for yourself. 

Thank youXXXX

Company response to consumer: Closed with explanation