vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I had a XXXX my car and regretfully, I took out only a small {$400.00} loan with Sunset Finance to help with living expenses. Big mistake. Now, it 's not so much the money but now the principal of the matter in how this company manages their loans and customer service. Sunset Finance reps have been nothing but a nuisance by contacting me, my friends, colleagues and family excessively, sometimes twice a day triple-dialing my both home and office phones where they had exploited my reference/emergency contact list with unethical collection practices. This happened so much that I was forced to seek legal counsel and they advised me to create a " cease and desist '' letter. 

I was making payments of $ XXXX/month to Sunset Finance and 5 of those payments totaling {$470.00} have been paid back despite nearly paying back MORE than double what I borrowed which I came to find out had a ridiculously high interest rate like 86 % or more. I have tried to contact Sunset and emailed them requesting to negotiate a better rate or a reasonable payment but no response or they will not accept a payment other than their choosing versus what I can afford. I even enrolled in Consumer Credit Counseling Service and included Sunset Finance to help pay them back but they DO NOT accept payments from Consumer Credit Counseling which I do not understand. 

Now they have filed a false statement to the court and filed a lawsuit against me stating " defendant received loan on XX/XX/2015 and refuses to pay. '' and that is not true. I have paid back Sunset over {$400.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wife received a letter dated XXXX XXXX, 2016 from " XXXX '' at Chase Bank USA, N.A., XXXX XXXX XXXX, XXXX thanking her for her alleged application for an AMAZON.COM Visa Signature card and requesting " more information. '' She had not applied for such a card ( or any other card at this time ) from Chase or Amazon and, indeed, had not contacted Chase for any reason. Two days later, she received a letter dated XXXX XXXX, 2016 stating that the sender had reviewed her " application and credit report and are unable to approve your request at this time for the following reason : Obligations too high relative to income. ] '' For further information on the basis for Chase 's rejection of the application we never made, the second letter referred my wife to XXXX. We are concerned that Chase, or someone purporting to be Chase, is trying to snare credit card business through the use of false and misleading correspondence, and that in furtherance of that scheme has sent a credit inquiry about my wife to a credit reporting company, thereby potentially damaging her credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
We applied for a mortgage with the XXXX Branch of Chase Bank in XXXX for the purchase of a property on XXXX, a cooperative building. We were issued a good faith estimate on XXXX XXXX and a lock-in agreement. We were issued a mortgage commitment letter on XXXX XXXX ( attachment XXXX ). At this point, we withdrew our application with a competing lender because we thought the commitment Chase was binding. The Chase commitment letter had conditions -- requests for more documentation. We responded to the conditions ( see attachments XXXX ) and received assurances from the mortgage banker that we had met the conditions. Despite making every effort to satisfy the conditions of the letter -- and satisfying those conditions as far we can tell -- Chase reneged on its mortgage commitment on XXXX XXXX, five days prior to the scheduled closing ( XXXX XXXX ). Nor has Chase has responded for our repeated request for an explanation in writing for its decision ( attachments XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase credit card withheld information about the cut off time XXXX east time for payments on XXXX/XXXX/2015. Then at XXXX I called to pay it to avoid late to pay with chase checking the said even though I paid in past with that account I would have provide my account and routing number with I did n't have on me. I spoke to supervisor who said on a recorded line not to worry he will note on the account that he would refund any late fee was I paid it on the XXXX/XXXX/2015. However now chase still charged me a late fee. Even though I paid on the XXXX. In conclusion CHASE credit card automated machine didnot disclose that there was a cut off time on the XXXX due date. And they are scamming me and other customers out of XXXX of dollars. They need to be held accountable for ther scheme

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I attended XXXX College XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The school is a fraud, the program I attended was a scam XXXX XXXX XXXX, I was promised a XXXX XXXX XXXX degree, in which I can not even use because the school is not accredited. Now I am required to pay this bogus loan back. This is absolutely absurd please assist me with exposing how this school scammed the US Department of Education Loans for students to take out money to help them with a degree and right after this school is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested my mortgage payoff amount on XXXX/XXXX/XXXX and was told that I should receive payoff amount in 3-5 days. I called again on XXXX/XXXX/XXXX and was told that the payoff quote has not been generated and that a request was put in on XXXX/XXXX/XXXX. I called the bank again on XXXX XXXX, XXXX. They told me that my payoff quote was mailed out on XXXX XXXX, XXXX, and I should receive payoff quote on XXXX XXXX or XXXX XXXX. As of today 's date, XXXX XXXX, XXXX, it has not been received. I asked for payoff quote to be verbally given over the phone and was denied the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The issue is that JPMorgan Chase own travel site at ( chase.com ) for members lists fake fares and when the booking is made it automatically switches the prices to a higher level. Enclosed please find the message to Chase Executive Office that was originally not responded to. Also the company insisted on verbal communication and not email which is indicative of systemic issue rather than isolated one. 
There is a problem with your vendor that performs flight reservation service on behalf of Chase for its members. Yesterday and today I attempted to book a ticket to fly XXXX and to utilize my accrued points total ( +/- XXXX ). Any time I would select the available rate that lists the flight in $ XXXX range that is listed as available I got a message in process of booking that the rate is no longer available and listing exactly the same flight at on average {$300.00} higher rate. For example the flight departing XXXX XXXX on XXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX, Return XXXX XXXX XXXX XXXX, XXXX XXXX that was offered as available for {$810.00} has automatically been re-selected during the booking process into {$1200.00}. FYI, I checked the XXXX XXXX site for that flight and it lists the fare at {$810.00} with exactly the same itinerary leading me to conclusion that the mark up is your vendor 's travel commission. 

This happens with EVERY {$800.00} range flight XXXX days before XXXX XXXX and XXXX days after XXXX XXXX that is listed as available after that date. Why is then Chase site listing fake pricing on flights that it has no intention to honor and it bait and switches people in process of booking? 

I travel extensively internationally and since I often use booking sites such as XXXX, XXXX, XXXX, XXXX and XXXX I have never seen any fare being made suddenly unavailable in process of booking and rescheduled at the higher rate. I think that Federal Laws specifically prohibit games such as this as airlines are under legal obligation to list all fares including all applicable taxes and fees to prospective consumers, no exceptions. 
I would appreciate if Chase addresses this issue to make sure what happened to me does n't happen to anyone else and to honor the rate it has on its site or stop offering the travel services altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I spoke with a Chase Auto employee named XXXX ID number XXXX. She advised me my vehicle up for possible repossession if the late fees are not paid. I asked her how it that possible she said the company has a right to pick vehicle up since it 's past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE AUTO FINIANCE- I PAID MY CAR OFF IN FULL, NOW THEY DROPPED MY CREDIT SCORE XXXX POINTS!!! ON ALL XXXX CREDIT REPORT AGENCIES ... NOW I GET TO DEAL WITH THE DISPUTE GAME THEY PLAY AND WALK AROUND FOR 45 DAYS WITH UNTRUE REPORTED FRAUD INFORMATION WITH MY NAME ON IT FROM THIS COMPANY!!! CHASE ... .... THIS IS FRAUD AND SO IS THIS BANK.I AM SO TIRED OF DEALING WITH CHASE AND THE FRAUD GAMES THEY PLAY ... I HAVE ALREADY DEALT WITH THEM WITH MY HOUSE ALSO..THIS COMPANY HAS DISTURBED BY LIFE WITH THEIR CORPORATION DEFECTS, NOW ... I GET TO GO THRU THE TRAMA OF THEIR BUTTON PUSHING WAYS TO DESTROY PEOPLES LIFES! PLEASE HELP ME, I AM TIRED! I DID RIGHT PAID OFF A VEHICLE AND NOW THEY DEEM ME!!! THIS MUST BE STOPPED BY THIS RAUNCHY CORPORATION PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase card services is committing fraud by reporting my date of last payment as XX/XX/XXXX According to chase I paid these accounts with XXXX account ending in XXXX According to XXXX XXXX XXXX XXXX ending in XXXX was closed in XXXX so ther is no way i can pay from this account the date of last payment is XX/XX/XXXX so the credit cards listing should be removed from credit reports as it is too old after XX/XX/XXXX Chase is committing fraud by changing date of last payment so account listing remains and I am kept hostage for life Pls help Documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Many years ago, I consolidated my loan with a particular lender because of the incentives that I can earn. I 've earned them, but now my new servicer is telling me they do n't have to honor it. How is this even legal? The incentives were indeed the selling and determining factor. I honored my obligations to repay my loan and earn incentives ; and the lender can escape honoring its incentives by selling the loan or switching servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XXXX/XXXX/XXXX. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them. You did not address the following as I previously requested : Here are the additional fraudulent items that were charged after XXXX/XXXX/XXXX which were never addressed : 1 ) XXXX in XXXX Ohio on XX/XX/XXXX and XXXX/XXXX/XXXX the one on XX/XX/XXXX was credited back but not the other. 2 ) there are XXXX charges for {$7.00} for the fraud detector on XX/XX/XXXX and XXXX/XXXX/XXXX can you tell me why i was charged twice in the same month 3 ) XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I cant recall this charge as well 4 ) the over the limit fee 's that XXXX incurred after XXXX/XXXX/XXXX due to the fraudulent charges. If you can address these as well I 'd greatly appreciate it.If you need to speak to me please contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Back in XX/XX/2014 I was thinking about joining a gym but could n't due to health problems plus I am XXXX, XXXX and also had a XXXX and XXXX I could not go to much going on. I never got there letters now this company named XXXX put the bill in collections now there is a very negative collection on my credit report. My Dr would have vouched for me because he knows I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: CA

Complaint narrative:
My Husband and I complete FAFSA forms EVERY YEAR for our Parent Plus Student Loan and because of my husbands income we never qualified for any assistance. My husband has been on EVERY FAFSA and we originally began these Plus loans with XXXX. We have paid XXXX payments ( 10 years ) and as my husband is in XXXX we were told we qualified for this program ( If you are employed by a government or not-for-profit organization, you may be able to receive loan forgiveness under the Public Service Loan Forgiveness Program ) When I contact Nelnet today they told me my husbands name is not on the loan????? We have never removed him from the loan. The FAFSA directed us to XXXX and his earnings were included in the loan determination, just as they were when we were REJECTED from receiving any assistance. This means after his 30 years of public service ( he is still in XXXX XXXX ) and our 120 months of 100 % on time payments, Nelnet is telling me he is not on the loan and we can not take advantage of this program? All of the debt we have incurred in our 34 years of marriage have been joint. Nelnet is the XXXX largest purchase in our married life ( Home purchase being 1st ) and now mysteriously he is not on the loan? Again, he is on EVERY FAFSA to reject any assistance and I am furious and will retain an attorney if this is not resolved. ALSO Nelnet charges interest DAILY on these loans. This is the definition of predatory lending. " Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions '' We still owe 50 % of amount of debt as when we started and we 've paid {$50000.00}. Nelnet is corrupt beyond belief and now that I have the time to examine their predatory lending it 's clear what they are doing to students and parents - robbing them blind!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I listed an item on XXXX and was contacted by a buyer who wanted to send me a check for payment. I agreed and he sent me a check written from XXXX XXXX, a XXXX XXXX. Routing number and account number showed funds available so JPMorgan/CHASE Bank cleared the check overnight, the XXXX of XXXX. The check was for significantly more than the item listed and I was directed to send the excess funds to a person in North Carolina. Then, on XXXX, XXXX XXXX, CHASE informs me that the check was fictitious and states my account is now overdrawn by the amount of the check. CHASE should not of cleared the check so quickly and should be responsible for replacing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made transferred payment to my daughter account on XXXX/XXXX/2015 which she has same bank with Chase. I cant believe that they did not transfer to my daughter account and took money out of my account of {$97000.00} and put in their account. I called them they said they will transfer but until end of the month which is XXXX. I dont see any reason for holding account and took money out without transfer to my daughter. I called in XXXX XX/XX/2015 to cancel this transaction and they said same thing to keep my money hold to 5-7 business days to put it back. In my concern, I believe that Chase does wrong practice to consumer while taking their money and put it reservation account in the event of transfer and cancelled. They cant put money on hold for that long when I made the cancellation. I dont trust them to keep my money and want to take it back but they dont return money as they keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I obtained a Chase Freedom card, with an offer of 0 % interest for the first year. I was encouraged to take overdraft protection ; I was told that this overdraft protection would reduce the fee in half. I was never told anything about interest, and was told to sign a waver. I asked, " whats the catch. '' " No catch '' the clerk said, " just lower fees in overdraft. 

There was a catch. That zero percent interest did n't apply to fees. Apparently I was paying interest every single month on those fees. It cost me hundreds of dollars again. The entire program was designed around defrauding people who do n't think this far into it, are inexperienced with credit cards, and would n't think to look at whether interest applies here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I attempted to pay off a mortgage loan with Chase. The loan number is XXXX. I sent XXXX personal checks to Chase to pay off the loan. XXXX was for {$13.00} and the other for {$41000.00}. Chase should have received these checks on XXXX XXXX, 2016. On XXXX XXXX I called my bank to determine if the Chase checks had cleared and found out the smaller of the XXXX checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in XXXX to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the XXXX branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; XXXX and received a receipt. On XXXX XXXX I called my bank to check on the balance in my account and found our Chase on XXXX XXXX had indeed presented my large check for payment which was returned to Chase for NSF as the monies for the payment had been withdrawn when I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. 

Then adding insult to injury Chase again presented my personal check to my bank on XXXX XXXX which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On XXXX XXXX I received a letter from Chase dated XXXX XXXX informing me that my loan was paid off which it was on XXXX XXXX. 
I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their XXXX XXXX and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on XXXX XXXX when their records showed on XXXX XXXX the loan was paid in full can not for any reason be justified.

Company response to consumer: Closed with explanation