vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I currently attend the University XXXX at XXXX. Last academic year ( XXXX ) I was enrolled as a full-time student and as such was given an in-school deferment. I am planning to return to school as a full-time student for the next academic year ( XXXX ). However, this summer I was notified recently that my FirstMark student loans were 60-days late and that they had reported this to the credit bureaus. In my surprise, I called and spoke with a XXXX XXXX. I thought that like my federal loans, if I was to be returning as a full-time student the summer months would be included in my in-school deferment. XXXX XXXX rudely informed me that FirstMark requires payment during the summer months. Had I known this, I would have been happy to pay my monthly bills, but because I was never informed of their specific rules I am being penalized on my credit reports. What is very surprising, is that I was in contact with them all summer and no one ever mentioned this to me. When I asked XXXX to remove the blemishes from my credit reports, she refused. I do not think that this is fair and I would like to make sure my credit report accurately reflects my intentions. I do not have any other blemishes on my credit report and I would like to keep it that way. I would like to submit this complaint to not only require FirstMark to inform their borrowers of such rules, but also I would like to have these blemishes removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank requires that I furnish my SS # on a Recorded Line or they will refuse any communication re. my XXXX Bank Accounts and XXXX Mortgage. I request that they accept the last XXXX digits of my SS # like other institutions, they refuse, it is not their policy. Or I offer to give them my entire SS # on an unrecorded line, they refuse. I ask for alternative verification, there are none. I ask to be referred to a Supervisor and each time I am transferred, I receive this message after a few minutes : " Sorry, we can not continue processing your call ''. 
With serious Privacy Concerns these days, I am very careful who I give my SS # to, and do not trust that a recording of my SS # will not be shared with others. I believe this is an act of " Invasion of Privacy '' and request your intervention. 
Chase 's only solution, according to Exec. Offices, is to go directly to a JP Morgan Chase Bank to transact business there, which is somewhat inconvenient when I simply want to ask a few questions. I usually have to wait for at least 1/2 hour before I receive any service. 
When I contact Consumer Financial Protection Bureau and Office of the Comptroller of the Currency, I am informed that if I am unable to obtain assistance from my bank, I should file a complaint, which I am currently doing. 
Can you assist me with this problem with Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I sent a Cease and Desist to Firstmark XXXX Services via email to XXXX XXXX on XXXX XXXX, 2016, I was then contacted by XXXX XXXX with Firstmark on XXXX XXXX, 2016 trying to collect a payment that only a few days late. I reiterated I sent a Cease and Desist and she replied there was no record of it. I sent another Cease and Desist on XXXX XXXX, 2016 to XXXX XXXX via email. They are still sending me emails other than my monthly and also sending harassing letters to my father. I need this harassment to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had a XXXX credit card with Chase since 2008. I use it regularly and always pay the full monthly balance. They charged me my annual fee of {$60.00} in XXXX. 
I have already paid my XXXX balance in full. 
Today my credit card was rejected. When I returned home and checked online, it said my account was closed. I called Chase and was told they can not give me a reason or tell me who or why it was closed. They said it is their prerogative. That the only way I can request information is writing and sending a written request to a Chase address they gave me in XXXX. 
I am leaving town Wednesday and will need the credit card for travel expenses as well as have regular incoming bills that are automatically charged to Chase and a charge I have already given to my XXXX to be charged to Chase. 
It is frustrating and inconvenient to be treated with little regard by the banking industry. 
Besides an explanation, I want my full {$60.00} fee returned and do not want this to affect my credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A few years ago I had issues with Chase, my mortgage company. I came home to a sheriff sale paper on my door. I called Chase only to find out I was XXXX payments behind! That blew my mind. I went on my bank account because I had electronic withdrawal directly to Chase, and I found my payments were sent to Chase. So I called the bank and they said the payments are marked as paid! {$10000.00} paid but Chase claimed they never received anything. And then I noticed payments had stopped being withdrawn after that. Im was not one to check my account all the time. Never received one late notice or a phone call stating I was even one payment behind. I had to get a lawyer for a modification in order to keep my house, which I had received after a long go around with Chase. Only to find out I got nailed with a {$43000.00} penalty because of the late fees, interest, etc. which would have to be paid if I were to sell my house or pay it off, on top of paying off my mortgage payments. I had struggled since then to get back on my feet. This is why I am looking for help a few years later. Nobody can tell me what happened to the {$10000.00} they " never '' received that started this nightmare in the first place. I have my bank statements stating it was paid to Chase, but my lawyer was just worried about the re modification and not helping with all the money I paid that someone received and was never accounted for. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ever since I moved into my apartment, I have been receiving the same junk mail from Chase Bank. I have called repeatedly to request to be removed from their mailing list and also requested to be placed on a do not mail list. Every time one of their representatives would assure me that everything has been taken care of. However, without fail every month, I will still receive the exact same piece of junk mail advertising their promotion to get {$500.00} if I open an account with them. Every time I call them to complain, they either give me false assurances or they redirect me to another phone number and line, but they refuse to address the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Credit Card number was stolen. Someone charged multiple charges on XXXX of my credit cards. XXXX credit card company credited it back immediately and that was it. The other Chase Bank has refused to remove it and insists the purchase was made by me when it was n't. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My home mortgage is currently at Chase Bank and it is in good standing. I received a letter from Chase Bank the first week of XXXX 2016 offering to re-finance my loan at a lower rate, 3.125 %. The day after I received the letter I called the number listed in the letter to start the re-finance process to get the rate quoted and I was told that the letter was just a marketing letter and, assuming my credit was good, which I assured them it was, my rate would be 3.8 %. 

When I asked why I could not get the 3.125 % rate they told me that was the rate on XXXX/XXXX/16 ( which the letter stated ) and because it was a month later and rates had moved, the 3.125 % rate was no longer available. I believe this was purposely deceptive for XXXX reasons. 

First, I believe the letter was an offer to re-finance my home and not a " marketing letter '' as the bank has stated. I believe this because it was addressed to me specifically, it referenced my account number, it quoted my approximate loan balance and it quoted my current loan rate. Clearly, this letter was directed to me and it was specifically about my loan. 

Second, when I pressed to find out why I could not get the rate quoted in the letter I was told that I would have had to apply for the re-finance on XXXX XXXX, 2016 to qualify for that rate. Since I did not even get the letter until the first week of XXXX XXXX and I called the day after I got it ) I do n't think they had any intention of offering me that rate. They said further that since rates have moved since XXXX XXXX, 2016 it was no longer available. XXXX XXXX have moved but they did not move by XXXX basis points, the difference between what they quoted me when I called XXXX 3.8 % ) and what they told me I could get in the letter XXXX 3.125 % ) from XXXX XXXX, 2016 to the first week of XXXX, 2016. Further, although I was told that because I did not call on XXXX XXXX, 2016 I did not qualify for the rate quoted, I do not believe that Chase did any loans under the terms that were quoted to me in the letter, including the loans they did on XXXX XXXX, 2016, the date the letter said the 3.125 % rate applied. To support this point, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX banks are required to collect data about the loans that they make, so it should be readily verifiable from their XXXX log that nobody got the rate that was quoted in the letter. 

I believe the letter was purposely deceptive and they had no intention of offering me the rate that was quoted. They clearly sent me the letter after reviewing my file, putting my account number, approximate loan balance and my current rate in it. I did not receive the letter until more than 30 days after the rate was to have been available. In my opinion this is a clear case of a bait-and-switch selling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was employed with JPMorgan Chase & Co. from XXXX XXXX XXXX. During part of the XX/XX/XXXX year, I was receiving short term XXXX where I was entitled to 60 % pay. On XXXX XXXX, XXXX I received a letter stating I had been overpaid through XXXX XXXX XXXX XXXX pay periods. This letter is titled " 2nd Notification of Overpayment ''. I never received the first letter. Also, I have lived at the same address since XXXX, have a locked mailbox, and check and open ALL mail Monday - Saturday. The letter states that I owe {$1900.00} upon receipt of the letter. I contacted accessXXXX at JPMorgan Chase and spoke with a representative who said he could find no mistake in my pay to indicate that I was overpaid at all. He escalated my call to Sr Specialist XXXX XXXX. XXXX supplied only the amounts I should have been paid before taxes. He said he is unable to supply an after tax amount that should have been paid so that I could compare it to my bank statements. He claimed the ability to " compute '' taxes is impossible. He also said he could not provide me with documentation to prove the total amount listed as owed is actually a correct calculation of what I owe and not larger because of an incorrect tax calculation. How can he be sure its correct if he is telling me tax computation is impossible to begin with? He advised that I could not make any payment arrangement with JPMorgan Chase because I am not a current employer. If I did not pay the full amount on the day I called then he would report me to a collections agency. He assured my credit would not be impacted. I 'm finding that hard to believe. He also said I would be barred from working in other financial institutions if I did not pay the funds. I have been provided with zero documentation to validate these claims. Nor has the company agreed to get documents to me by any method. I do not believe I was overpaid because JPMorgan Chase paid an amount directly to me with the assumption that those funds were due. I lawfully received those funds and spent them with the knowledge and assumption that those funds were due to me. At no point did I initiate those funds myself into my account, nor did the company contact me for 3 years to report an error. XXXX refused to provide me with contact information or even the name of the case worker handling my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 'm a long time Chase bank customer with an excellent credit score ( XXXX fico ) and income ( XXXX/annual ) and I submitted a used auto loan application for XXXX over the phone based upon their advertised used auto loan rate of 2.06 %. This rate had the following assumptions posted : loan to value of 95 % for used vehicle, excellent credit history, and loan amount of XXXX. After submitting my application, I received a quoted rate of 4.79 %. I requested to speak to the underwriter who told me that the high rate was due to the loan to value for the auto loan. I asked them to update the loan amount to reflect the 95 % loan to value for my requested vehicle ( XXXX ). She updated the application and came back with a quoted rate of 2.79 %. I asked her why my rate was still not the advertised 2.06 % and she said because I my loan was n't using the specific model/year in the assumptions. I believe this is a clear instance of bait and switch tactics as there 's probably such a minuscule probability that an applicant have the exact vehicle model/year, credit score, and Chase checking account to qualify for the advertised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
My complaint is against Coast Professional , Inc. whom is handling a collection on behalf of XXXX University whom I owe a student loan balance with. I originally contacted them on XXXX/XXXX/16 in the late afternoon and left a message at XXXX with no call back. My second call to them was on XXXX/XXXX/16 at XXXX and I spoke with a XXXX XXXX and I told him that I could afford to pay {$60.00} dollars a month starting on the XXXX of each month. Unfortunately there was a problem with my debit card, so on the XXXX of XXXX the payment was rejected by my bank and it was about a few days after that I my bank had notified me that they had n't process that automatic debit, so on XXXX I called and spoke with a XXXX at XXXX and told him that I would n't be able to do the automatic payment and to cancel it and instead I would be mailing my payments to them. I have made payments on XXXX/XXXX/16 credit card payment, XXXX/XXXX/16, XXXX/XXXX/16 and mailed another {$60.00} payment on XXXX/XXXX/16. Yet on XXXX/XXXX/16 they reported me to XXXX and I 'm wondering why they have done this since I have been paying the agreed upon amount and they have willing accepted my payments. I want that collection taken off my credit report. Also, I have never ever received a call from them nor have they bothered to send me any type of bill within the last two months as to what my current balance is at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My former mortgage lender, Chase Bank, is foreclosing on my home, even though they sold the mortgage to another bank ( XXXX XXXX XXXX ) two years ago. I receive statements from XXXX and Chase Bank has no longer any legal interest in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check that I wrote from my bank account and deposited it into another of my bank accounts. It has been 5 business days and they have n't released even XXXX dollar of the funds. Should I just have cashed the check at the originating bank and then deposited the funds? How long can they hold my funds? I have never deposited a bad check or overdrawn my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX Chase credit card company mailed me a check that i can deposit to my bank with 12 or 18 month, until yesterday, i login in to my account and realize that chase credit card company charged me {$20.00} balance transfer interest. Every month, chase notify me by email when monthly payment due day and also notify me due day before 5 days and i do n't know why chase did not notify me when the balance transfer interest will start on XX/XX/XXXX. I called them up last night and i was told by them that there has a message on the last page of the statement ( total XXXX pages on the statement ), there total XXXX pages at statement and it 's small words on the last page that told the balance transfer will expired on XX/XX/XXXX. If they can notify me through email that my monthly will due in 5 days and why should n't they notify me by e-mail that my balance transfer interest will expire on XX/XX/XXXX. This is very tricky and chase credit card has to stop doing this. I have no problem to pay this {$20.00} interest but they have to stop doing this way as it 's affect so many people. if they notify me earlier and i can pay off that amount before interest expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, EVER, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company! 

After filing a complaint with Chase Auto Finance, it was found that Chase did not employ this group, but rather they contracted out to XXXX ( XXXX ) through their XXXX ( XXXX ). Therefore, this complaint has been re-directed to XXXX ( XXXX ).

Company response to consumer: Closed with explanation