vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX I was carrying a {$47.00} credit on my Chase Visa. I think it was the balance of a credit from a return I made earlier in the year. Anyway, Chase says they sent me a check for the {$47.00} around that time. I never asked for it, I never received it, it was never deposited. Since it was n't deposited Chase put a stop on the check on XX/XX/XXXX and continued to show my {$47.00} on its books. Sometime in XX/XX/XXXX I made a {$6.00} purchase with my Chase Visa. A Chase rep tells me due to billing issues ( I assume with the vendor, not Chase ) the charge ended up on my bill due XXXX. At this point, Chase owed me {$47.00} and I owed Chase {$6.00} so Chase owed me {$40.00}. But then I get a letter from Chase, dated XX/XX/XXXX, saying it closed my account. The letter says my account was delinquent and as a " courtesy '' they cancelled the balance. I call customer service and ask them to look over my account since it should have a credit. It turns out the problem is when Chase put the stop on the check, they did n't credit the {$47.00} back to my account. They offer to send me a new check for {$47.00} and reopen the account. I asked that they credit the {$47.00} to my account, use it to pay the {$6.00} and reinstate my account. They offer to reopen the account and send me another check again. I work my way up the chain to supervisor XXXX. According to XXXX when Chase cancelled the check, the finds went into " Limbo ''. Since Chase had my funds at all times, I asked him to correct the account to show the credit on XX/XX/XXXX, timely payment of the {$6.00}, reinstate the account showing it should n't have been closed and remove any negative credit information Chase reported. He repeated the offer to send me a new check for {$47.00} and reopen the account, but said Chase would not credit the {$47.00} to the account, would n't use it to timely pay the {$6.00} charge and would n't remove/revoke this from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank insisted that I got an emailed statement for payment due on my XXXX bill, but I did not. I only got an email notification that my bill would be due in 10 days. 
I double checked my " preferences '' on the Chase website and I had not opted out of receiving my statement via email, so there is no chance the statement got lost in " snail mail ''. 
I closed my account which will affect my credit score because I do not believe they were being honest with me in regard to the emailed statement. 
I do n't think my credit score should be affected because I do n't trust a company to produce proper documents so I can pay my bill on time. 
I use a web browser that allows me to go back in time EVEN IF I had inadvertently put an email in the trash. There is no indication that that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My mortgage processor informed me XXXX hours out that we 'd have to postpone closing ( originally scheduled for XXXX XXXX ) for an undetermined period of time. This is a result of the mortgage company waiting until the last minute to conduct a follow-up appraisal and then informing me the day before the anticipated settlement date that they would be unable to close by the specified date ( after we made application with them ~XXXX months before this anticipated closing date ), forcing me to violate the terms of my purchase agreement due to the fact that we were unable to close by the date specified in the agreement of sale. The original appraisal was contingent upon septic system repairs being completed ... these repairs had been completed XXXX weeks prior to closing, but my mortgage processor waited until XXXX weeks before the closing date to tell me that this follow-up would be needed and they 'd be requesting it then. All along in this process, I 've been told we 're ahead of schedule. This is unacceptable that I was forced to postpone closing at the last minute and that they did n't tell me we 'd be forced to postpone until XXXX hours before settlement. Now the mortgage processor is saying that we wo n't be able to close until XXXX XXXX at the earliest, forcing me to pay an additional ~ {$1000.00} of interest up front that I otherwise would not have had to pay at settlement ... forcing me to do this at the last minute without warning smacks of an unfair, deceptive, and abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: CA

Complaint narrative:
When I consolidated my student loans, it was serviced by Nelnet. There was an incentive package that they advertised which constituted of a .25 % reduction in interest rate if you autopay and 1 % reduction in interest for on-time payments or a cash rebate when the loan was consolidated of XXXX of the balance of the loan. When it was time to receive the 1 % reduction in the interest rate they stated that I no longer qualified as I made a late payment several years prior. This was incorrect. When I supplied them with the information, I had on file they never responded. They stated that I was late making a payment on XXXX/XXXX/XXXX and that I did not make a payment to XXXX/XXXX/XXXX. Also that I had turned off my auto debit payment. This was incorrect. I show no email stating that I had turned off my auto debit and I have emails going back to XXXX in my XXXX account. Also, I had an unemployment deferment stating XXXX/XXXX/XXXX so I did not have to make that payment as I was in deferment. This is clearly noted in the document they supplied me. XXXX XXXX pmnt histry and defer histry ''. It is a pdf file attached. Also, this was after years of it showing I did qualify on my account status page. Also, I have asked them several times for the policy, contract, or rules regarding these incentives. They have never supplied me with this information in writing or verbally. Also. I have asked who was the originator of my loan and who currently holds the loan as they are just the servicer. They have not supplied me with this information either. Finally, I asked them for the literature on the incentive package that they offered when I consolidated my loan, and they did not give that to me. Their position is that the incentive programs are not part of the loan consolidation agreement, and they are not bound by it. Their rules are not transparent which makes them impossible to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Credit Card Services charged all of me purchases at the higher - cash advance interest rate for over 8 years and would not change it to the lower rate. As a result, I ended up paying {$1000.00} more than I should have. After multiple attempts to have this corrected, I had to pay off the card and close it. This also hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have XXXX account - I got the recommendation to apply for Chase Saphire card at there. Please refer to the attachment. Also I got one mail ( postal ) to apply for Chase Saphire card at there. That 's why I applied for it on XXXX XXXX, 2015. Come to know yesterday that it 's been declined. Worst than that-there is a hard inquiry on my credit report regarding this application. The reason given to me " Too many credit card accounts with us ''. Obviously Chase is paying XXXX to display these kind of advertisement and links to tempt the users to apply for that. More over why they are sending the mailers when they know that i will be denied for the card. Chase might say that situation changes over time etc ... but why to tempt the customer and XXXX up the credit report. It seems left hand does n't know what right hand is doing - their marketing team keep on sending mailers and advertisements just because economy is good without in consultation with card approval team.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was struggling to make my mortgage payments and attempted many times to do loan modification. My father was a cosigner on the loan and they required his information. He refused to provide his information so I continued to struggle, all the way into foreclosure. I did not receive notification of foreclosure, I found out by walking into a chase branch to make a payment. According to Chase Bank 's attorney, the foreclosure process started XXXX 2016. Here we are XXXX XXXX 2016, I go to my house and my realtor 's lock box has been cut off and replaced, with winterization notices. I have a third party who began a loan modification process for me in XXXX 2016, I provided her all needed forms and my father finally cooperated in getting a quit claim deed to her on XXXX/XXXX/2016. The quit claim deed Chase was waiting for was faxed same day. The house was auctioned in a sheriffs sale XXXX/XXXX/2016. It was my understanding that I still got a XXXX appeal period after a modification decision, and how can the have it up for auction 3 days after a decision. The third party rep was in constant contact with Chase and when she asked for a sheriffs sale date, XXXX/XXXX/2016, the did not have XXXX listed. Between myself, third party rep and my realtor, no one can make sense of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I saw the news regarding XXXX XXXX. I believe I was the victim of the same problem except with Chase Bank. I was issues a Amazon/Chase credit card last week with a {$10000.00} line of credit. My account was not hacked and, since I closely monitor my credit XXXX Equifax, had no inquiries made or reported. Also, I 'm a XXXX year old male with an XXXX credit score, excellent financial health and currently have accounts and credit cards with Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is charging overdraft fees for account being negative 3 hrs. Account shows positive at XXXX cst and then goes negative by XXXX. If I cover the negative amount the same day they still charge me the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
This company keeps reporting XXXX collection accounts which have been paid. When I paid these accounts they agreed to remove them from my report ... I guess it 's called a paid for deletion. I never received a letter fro them which I understand is important. I 've called them on the phone & they said the would n't remove them. They continue to report the account as a collection when they agreed over the phone to remove it. The negativity is impacting my ability to get a loan when it was paid over 2 years ago. I would like Paragon to remove it at once from all XXXX credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase is threatening to cancel my credit card I have had for 15 years WITHOUT XXXX late or problem unless I fill out a XXXX! They already have my current address and SS #, all my legal information AND I have never now ( nor have I ever ) worked for them as an individual or independent company! THEY DO NOT NEED THIS INFO! If they lost it or the company has been compromised then I should not have to provide it again anyway. I 'd like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My checking account with JP Morgan Chase has been manipulated for years now. On XXXX/XXXX/16 my account balance was {$580.00}, with a pending ACH transactions of {$120.00} and {$20.00}, XXXX/XXXX/16 account balance was {$510.00} with pending {$60.00}, {$100.00}, {$25.00}, with check # XXXX for {$290.00} out for payment. ACH transaction of {$120.00}, {$60.00} {$100.00} and {$25.00} was paid, which left a balance of {$190.00} that was showing on XXXX/XXXX/16 as the balance in the account. Same balance was on the account at XXXX am on XXXX by XXXX XXXX my alert on the account said I was overdrawn {$190.00} all the ACH transactions that was cleared the day before, suddenly reappeared the next day triggering a negative balance, that incurred ( XXXX ) overdrawn fee. Chase manipulated my account after the check came in on the XXXX/XXXX/16, by erasing the {$190.00} balance so they could sub-batch all transaction from high to low to maximize their fee. Now all the transaction were now showing they came in on XXXX/XXXX/16 so could justify their fee, erispective of how these were posted. I am fed up of big banks manipulation of customers that does not carry huge balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 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: TX

Complaint narrative:
I have been paying on this loan since XX/XX/XXXX. At the rate they apply my payments, it will take about 40 years to pay it off. No matter how much I send in for payment, they apply XXXX % of the payment toward the interest. The payment is about $ XXXX monthly. My minimum pay- ment is {$500.00}. Some months the entire payment is applied to the interest. 
Even if I send in extra payments separate from the regular payment, the extra payment goes toward interest. Even a {$1000.00} payment only got {$100.00} applied to the principal. They take the extra payments and apply I was told the extra payments were applied to " Capitalized interest '' not toward the principal and the due date was just moved forward. so by paying extra, my next due date is currently in XXXX XXXX even though I make monthly payment. This is government financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have been receiving calls at my place of employment. I am a XXXX. They were calling my cell phone then they stopped and started calling my employers phone number. I 've told them to stop and explained that this was n't my phone and my place of employment. 

They are rude on the phone demanding personal information, and explanations. They are looking at my credit report and telling me I should be able to pay. They do n't listen, they ask why ca n't I pay. when I tell them that that 's none of their business they say yes it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a checking account and saving account with Chase. Chase customer service informed me that when my account is overdraft, i have until XXXX PT to deposit and cover the overdraft. 
When i opened my account with Chase they suggested i opened a savings accounts and checking account so i do n't have all money in XXXX account and connect them online so i can make the transfers accordingly. The bank will posted payment on my checking account and if i do n't have the money i have until XXXXXXXXPT to make the deposit. The reason that I have a savings account is to transfer money from this account and keep my checking account with a daily balance for security reasons. What they did n't say is that they overdraft your account at midnight saying that the payment went the day before but no payment was posted in your account so you do n't know until they charge you Usd XXXX for each overdraft. this has happened several times during last 12 months and the respond is the system made the payments at midnight. Last week they took usd XXXX on the same day, Usd XXXX for each transaction and in one year Usd XXXX. I spoke with an agent Friday XX/XX/2015 and explained that my account was n't overdraft at all the day before so how can they charge a customer for something that did n't know and did n't happen in my account. No explanation they only said that the system does this automatic. I expect that they refund all my overdraft fees and stop taking advantage of the customers. thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX VA XXXX was servicing my vehicle under warranty for 9 weeks. Through a preferred customer arrangement with XXXX XXXX, they provided a loaner car in the final 2 weeks of that period. 

I was repeatedly assured from all parties that this car was being provided free of charge. I was asked to provide my credit card information only in the event I damaged the vehicle. 

The loaner was returned XXXX XXXX, 2015. On XXXX XXXX, XXXX billed me XXXX $ for the rental, almost 20 weeks later. 

I disputed the bill with Chase SLATE XXXX credit card. They ruled against me. I asked to see a copy of the document I signed. Chase told me they are under no obligation to provide this. 

I feel this is in violation of fundamental principles of contract law. I want to see what I signed, where I 'm sure it will be clear that I was not paying for the service. I think Chase SLATE XXXX is deliberately ignoring basic contract law. I feel that I have been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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: OH

Complaint narrative:
I applied for an Income-driven repayment plan on Studentloans.gov, and Nelnet confirmed receipt XXXX/XXXX/XXXX. Nelnet 's website and IVRU state the status is " pending '' and, if pending, I should allow 3 business days for it to be processed. It 's still not processed as of XXXX/XXXX/XXXX. I tried to call but was getting the run-around. My husband had a similar experience with a different loan servicer. He completed loan rehab in XX/XX/XXXX or XX/XX/XXXX and subsequently requested the IBR/ICR forms. He completed them and sent in multiple times, but everytime he talked to them, they said they either had n't received it or it was still processing. In the end, we gave up. I thought it might be different now with the streamlined online process, but it seems not. Are they waiting on me to default? They keep sending me emails and posting on XXXX how they can help if I 'm behind by arranging a new repayment plan, but there 's no follow-through. Please help.

Company response to consumer: Closed with explanation