vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I contacted RP funding in XXXX to compare their rates with many others. I let them know that we were shopping for rates and considering a 15 or 30 year term with or without cash out, based on what the appraisal came in at. After a few days XXXX reached out to me to offer RP Funding 's rates on the scenarios I mentioned. Since their rates were higher than XXXX, I asked about their Best rate guarantee and forwarded them the quote I had received. XXXX said he would send it over and get back to me. He quickly switched from emails to phone calls to let me know that they were unable to match the rates I was quoted from XXXX XXXX and I was eligible for the {$1000.00}. I asked what I had to do for the {$1000.00}, and XXXX told me that if I indeed closed with this company I would be eligible for the {$1000.00}, they would need the disclosures and he would send me the forms I needed. I emailed XXXX the disclosures and continued to ask for the forms, and anything else that I would need to follow proper procedures. I continued to keep XXXX updated as to our upcoming closing and even continued to ask RP Funding to beat the rate and earn my business. RP funding intentionally left out information that would have helped us and never referred us to or sent us any fine print until 4 weeks after being told we qualified. After closing and submitting the items requested, the company immediately started looking for a reason to disqualify us, first they incorrectly read the date and tried to say we locked our rate a month after contacting them, then they tried to say that we had submitted a quote from a different company which was simply the broker and the bank. It had taken almost a month before XXXX sent me the form and never did I expect we had anything to worry about. He was always very nice and friendly, he even referred to it as my {$1000.00} when he finally sent the list of documents I needed to include. My husband has worked in the financial industry and we were cautious about how we handled things, but this company never intended for us to be able to collect. The general public should be aware that this is just a sceme to collect information about competitors and then make it impossible for the customers to be treated fairly. The company stopped responding to me when I offered to provide any additional information that they might need and finally told me to just be thankful I got a good rate elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18 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: MS

Complaint narrative:
I have a XXXX ( XXXX ) loan with ( University XXXX, XXXX, XXXX ) outstanding with XXXX late payments from last year. ECSI told me to fill out a economic hardship application so there is proof of my XXXX last year during those XXXX late payments and they would clear those late payments reported with credit bureau. They accepted my application but the credit bureau is still reporting the XXXX late payments. I need those late payments cleared from my name please. I pay XXXX the amount due on this same loan every month now that my business is reporting income. I would appreciate a little help, especially from all the hard work I put in for a XXXX and the effort it takes to start a business from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I received an email that a collection had showed up on my credit report. I was not contacted by nor did I receive any notification prior to the collection appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: KS

Complaint narrative:
As of today 's date, the amount on my Parent loans is approximately {$36000.00}. The original loans totaled {$21000.00} without interest. The interest accumulated is $ XXXX ... only {$6000.00} shy of the amount loaned! At the time I incurred this debt on behalf of my twin daughters, our household income was {$90000.00}. Now, due to an unforeseen layoff, I qualify for a {$0.00} payment due to my income level from work which is, and will remain {$0.00} since I am XXXX and can not secure work. However, rather than reapplying each year for ( IBR ) or pay as you earn or ( ICR ) until death, it was and is my desire to renegotiate the terms to settle this loan. I tried with the Dept. of Education through both XXXX and now Nelnet to settle my debt by either paying the interest or the original balance or a small portion of what 's due rather than nothing at all and then being forgiven through special circumstances or with President Trumps forgiveness of loans after paying {$0.00} on them after 15 years which would put me in my late XXXX. I know others have renegotiated terms but only after they 've defaulted on their loans ... something I will not do. I want to repay my debt and find it difficult to believe that they 'd rather have me take bankruptcy or be in default so that they 'd end up get nothing rather than renegotiating terms to settle and at least get a portion of what is owed to them. I am willing to pay the initial amount borrowed ; surely they are in a position to waive all the thousands of dollars of interest accumulated up to this point ... from the year XX/XX/2008. We have been at this for a couple of years trying to work with Ombudsmen who have no authority and other agents who have even less with no resolution. I hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX my XXXX XXXX XXXX son received a loan for XXXX on a 2011 dodge ram 1500 at XXXX XXXX XXXX in XXXX TX and it was financed through Chase Bank with no income verification and he was unemployed. This loan should never have been done. This was unfair and misleading lending practices. When he came home with a new vehicle I was in shock and immediately pushed him to get a job which enabled him to make XXXX payments and then he was again unemployed and in good faith he called to postpone a month of payments until he started working again. He postponed them through XXXX, which is the XXXX party vendor that was debiting his account. He thought this was enough as he had limited financial experience. To our dismay on XXXX/XXXX/XXXX Chase took the truck stating he was only XXXX payments behind. XXXX was holding on to XXXX payment to send to Chase and he was ready to make the next payment on XXXX/XXXX/XXXX and he would be caught up. Numerous calls were made to Chase to explain the unfortunate situation in which they offered no support. They entered into a loan unfairly and then decided to ruin a child 's future with bad credit instead of working with him to keep the vehicle and yes he was only XXXX payments behind to be caught up in 3 days. The only option Chase is giving now is to refinance the truck when we just want to keep and pay the loan directly to them, even offered a monthly auto debit from his account. Why would Chase take such a hard stance on a child when they should never have done the loan to begin with. On my end I taught my son a lesson and he is prepared to pay the vehicle on time every month and accept his responsibility and Chase will not give him the option. I work for another financial institution and 2 months behind is not enough to seize property. Seems to me Chase wants out of the loan that was done unfairly to over their end and I want them to admit the error and allow him to keep his vehicle and pay his debt. No one at Chase will budge or listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Late charged and a resubmission of an Amazon prime subscription was renewed without my consent. They were sending my statements to an address that was not mine. They will only take off XXXX set of late charges. I am being charged an outrageous amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We had a home equity line of credit for 5 years that expired in XXXX 2016, with a balloon payment due of {$240000.00} which we received a letter in the mail a week before the expiry date telling us that our payment was due. I immediately went to see my local bank and he could not help us, because we were a member of private banking and he could not even see our information. So, he then gave us a name for a loan officer, which we called when we got home and sent him all our paperwork, he then determined that we would not be eligible for a mortgage because my husband had a year before that lost his job with the company he had been with for 30 years, because the company moved back to XXXX. My husband was working, but only making half the money, so he suggested that if we pay our car loan, we would qualify for pre approval. We took our savings and paid the loan, and called him after it was paid, he then said the loan had been sent to collections and he could not help us. I then went back to my local bank and asked to speak with another loan officer and after one week, she called us back saying she also could not help us, we had to contact collections. I have spoke to maybe XXXX different people, gone to our local bank 3 times, spoke with a lady from the executive office once and she also said she could not help us and had no interest in helping, I called her supervisor and we did not receive a call back. Before this happened, our credit was very good and we had missed 1 payment, which was a few days late, in the whole 5 years of this loan. Because of all this fooling around, they have reported us to the credit bureau as late and this has taken a bad hit on our credit. They now do not want to give us another loan and offered to possibly have a second look and see if we qualified for the hardship remodification loan and he said it 's not sure we will get it, you have to be under a certain salary, we can pay our payments, my husband is making good money, that is not the problem and i told this to the bank. We did not realize going into this at 5 years, we would have to pay back the whole {$240000.00} we were not made aware of this, oh it was probably in the fine print of the contract, but i do n't understand that jargon and relied on the loan officer at the time to tell me this and he failed to do so. We are not faced with a foreclosure and need help immediately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Was placed on a repayment plan after falling behind on our mortgage. XX/XX/XXXX payment was late and Chase refused the payment ( made by XXXX XXXX ) and cancelled the repayment plan. People are sometimes late. As long as a payment is made within the month, they should be required to accept the payment and continue the plan. Now they are requiring us to go through the whole process again, whereby FORCING us to become further behind, incur more late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX is involved in my loan according to my servicer, XXXX XXXX and a new trustee, XXXX XXXX. I have contacted XXXX XXXX XXXX Division in New York and was referred to Chase Clearing House Corp and Chase Securities. I was told that those XXXX entities are now what XXXX XXXX use to be. I am checking to see if Chase Clearing House Corp and/or Chase Securities have beneficiary status of my property. Please advise. The loan number in question is XXXX. Originator was XXXX who is now XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX ( which is the original zip code that would have been used through the securities exchange ). ( The zip code changed to XXXX ). The specific pool is XXXX that XXXX XXXX claims the loan is tied to. I have yet to see any original assignment made by the past alleged trustee XXXX to the XXXX XXXX XXXX - Depositor. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
A long time ago I went to XXXX XXXX XXXX XXXX to buy a vehicle. I went there because I saw the price reasonable for a XXXX XXXX that was {$2500.00} if it was paid fully cash. So I gave {$1500.00} down agreeing with them that I was going to pay the rest soon. From that point, the confusion and fraud started. That day, we were talking about the vehicle, payments, etc.. they were speaking to me while handing me documents. The documents they gave me agreed with the conversation we were having. Everything that day was great, I even went home with the van and I though it concluded they way it was supposed to.. Then Westlake Financial Services called me about the vehicle, telling me that I had to pay the double of the vehicle original value. I told them to give me an explanation about what was happening but they did n't tell me much, just that the dealer sent them the purchase documents. I contacted the dealer for an explanation but they did n't help me either. Then I took all the documents they gave me and I started to review them. The documents I have are the ones with the correct prices but my signatures and initials were n't there ( I have the documents as prove ). XXXX of the mistakes is that In the dealer document it says that I gave {$500.00} down payment while Westlake document says I gave {$1500.00} ( which I gave to the dealer ). I contacted Westlake Financial and they told me that they were going to send me the documents the dealer gave them. So I received only XXXX documents that looked like mine but the information on them was totally different, and I realized that my sign and initials were there! .. So how did they do it? How is that the dealer gave me different documents and Westlake another XXXX. Did they switch it? I do n't know, but what I know is that in my hands are the documents I was supposed to have. I was trying to contact them all the time so they could help me but they did n't. I did n't know where to look for help so my only option was to pay because I needed the vehicle. I found out about this website and I decided to make a complaint because I do n't want them to get away with this. Probably those 2 companies have a business going on scamming decent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased kitchen non-stick pans from XXXX ( owned by XXXX ) XX/XX/XXXX and XX/XX/XXXX, but due to quality of the product, I returned the items back to the merchant in XXXX XXXX with proof of return tracking. I have contacted the merchant to get the status of the return, but got no response. So I contacted my credit card ( JP Morgan Chase ) to dispute those charges under the Fair Credit Billing Act about the quality of the goods and return and expecting credit. However, my credit card company sent me an letter that those charges were valid as significant time has passed and merchant is not under any obligation to provide the credits to my credit card account. I explained to them there is no time limit for the quality of goods or service under the Fair Credit Billing Act and merchant 's return policy indicated that I could return any time ( no return time period restriction ). However, my credit card company made a final decision in merchant 's favor. Would you mind providing any advice on how to proceed with this? I have already returned the item, and I do n't get the refund. I 've contacted merchant, but the merchant is out of business and based on the credit card issuer 's letter, merchant is not willing to honor the refund to my credit card account. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Informed by CHASE bank that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by CHASE bank that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. CHASE bank also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. CHASE letter provided a number and address of XXXX and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. CHASE says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop. CHASE sabotaged my mortgage account and forwarded my loan to a closer ( forecloser ) with incorrect information and refuse to provide the details of their inappropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I receive a promotional mailer ( not a statement ) with XXXX printed blank checks to be drawn from my Southwest Rapid Rewards ( Chase ) credit card at least once a month soliciting a cash advance. They claim the APR is 0 % for the first year. Since a minimum 2 % fee is required, I calculate the APR at a minimum 2 % if the borrower paid no principal during the first year. The APR would be greater than 2 % if the borrower paid the principal down in the first year. This would appear to violate Reg. Z as it is more the .5 % different that the stated APR of 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had a home loan with JP Morgan Chase Bank , N.A . and I am having a challenge getting correct account information. I am only asking for a simple answer : How many payments did i make between XX/XX/XXXX and XX/XX/XXXX What were the payment amounts and the payments dates. 
A statement would be great also

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Describe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount XXXX XXXX ) and date XXXX XXXX ) of any transaction XXXX XXXX ). Be as brief and complete as possible to make the explanation clear. Do not include personal or confidential information such as your social security, credit card, or bank accounts numbers. 


Have had an account with Chase for approx. four years. Today they told me they are closing my account and refused to tell me why - stating its their right and they are not required by law to say why. Currently there is a small balance and next week my Social Security XXXX payment gets ACH into the account XXXX to late to stop XXXX. I was told Chase would refund the money in XXXX weeks after the account is finished closing. This will make me late on my mortage causing late fees and more. About a XXXX ago I had some NSF from auto debits. I called Chase told them would put money into the account ot cover the overdrafts ( and did so ) Chase even refund XXXX of the NSF fees as I was a good client, plus was told do n't worry everthing is ok. This is the only possible reason I can see why they would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My husband XXXX, sudden departed this life on XXXX XXXX, 2016, He is the primary holder, I am the co-maker on the contract but not on the title. Since his death I have faced a problem with register the car because his name is the only one on the title. Is there something that can be done. My husband 's daughter has opened an estate without contacting the creditor of his death to my understanding. The payments are so far behind because I have lost his income as a result of this sudden death of a XXXX. I want to know if the title being in his name only was an illegal act, and how can the auto financing company give me relief. 
If the estate does not cure his debts and I was a homemaker what will happen to the debts now that my husband is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had XXXX chase credit cards, I 've had them over a year and have always paid more than the minimum due and have never missed a payment. My cards were stolen or lost and fraudulent charges were on my statement. Chase was very helpful to return the funds from those transaction but they never changed the credit card number so the cards were charged again by the same vendors multiple times. Finally someone in their fraud department realized what was going on and changed my credit card number. But now Chase has canceled my cards stating that I have too many fraudulent changes from the same vendors even though it was their internal error! I called and they can not give me the number of the department that makes these decisions and their is no appeal process. I was to apply for a new credit card but that would mean carrying additional debt and a hard inquiry to my credit report. Chase has severely hurt my credit report since I now have closed accounts with balances and my debt to credit ratio has sky rocketed because of their own error.

Company response to consumer: Closed with explanation