vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-04 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: UT

Complaint narrative:
XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Between XXXX, my account was compromised. My bank never contacted me regarding any suspicious activity or anything. I closed the account XX/XX/XXXX. XX/XX/XXXX I contacted my bank. I spoke with a claims representative about the unauthorized transactions. She told me that she would take care of it for me. She told me not to worry. After over 30 days, I received a portion of the money that was taken from me. There were several claims filed ( around XXXX ). I submitted a letter requesting all of my money be returned for XXXX of the claims. This would total over {$15000.00}. My bank sent me an electronic letter the very next day saying the transactions were authorized. I called and was told they had my computer 's IP address. I requested to review the information the had. I never received it. Thereafter I received a letter approving and finalizing my claims. I submitted another letter requesting the return of my money. Then the claims representatives told me that I had not reported the transactions within the 60 days. This is the first time I had heard of reporting unauthorized transactions within 60 days. I began researching. My bank has not been telling consumers about this within 60 days rule. My bank stated to XXXX consumers via social media sites XXXX, " All Chase cards also come with zero fraud liability protection against unauthorized use for cardholders. '' My bank has also stated this in their publishing XXXX. XXXX reaches about XXXX consumers. How can my bank refuse to return my money using this 60 day rule ; But, refuse to inform us this same rule publicly? This is misleading. My bank is telling XXXX us everyday that we are not liable for unauthorized transactions. I was returned a portion of my money. I am asking that XXXX claims be returned in full. Today XXXX stated the same quote of zero fraud liability protection from your bank. I have been reaching out to the Executive Office XXXX, the Corporate Office XXXX, Claims representatives, Department XXXX, and a local branch urging them to return my money. I even lied like I had already contacted your organization and filed a complaint against them in hopes of prompting them to do the right thing and return my money. I review their social media sites every single day. So many consumers are complaining about the same thing. They can not lie to us publicly in an attempt to attract more customers, then refuse to stand by their public statements. This is misleading. The Federal Trade Commission refers to this in Section XXXX of their FTC Act : Unfair or Deceptive Acts or Practices. I really want my money returned to me.

Company response to consumer: Closed
Consumer complaint received 2015-08-24 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: Valley Collection Service, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I Requested this company in Writing to Validate this Debt. I asked them to Send me a copy of the CAR NOTE with my Signature and they Refused to. I have no Recollection of this account # XXXX XXXX XXXX XXXX and want It Removed from all XXXX Major Credit Reporting Agencies ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I sent a QWR to JP Chase on XX/XX/2015. Chase acknowledged receipt of QWR on XX/XX/2015. They never sent any documentation to answer the QWR.

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

Complaint narrative:
Please see attachment titled : " Fraudulent Foreclosure Fees and Fraudulent Foreclosure by JP Morgan Chase against another Homeowner '' Complaint # XXXX This company continues to cause XXXX on this XXXX XXXX citizen. They refuse to remove the fraudulent foreclosure. They are now endangering my Reverse Mortgage due to the fraudulent fees they have added to my loan of over {$7000.00}. 
Please see attachment for further information on this complaint # XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mortgage payment check was deposited into a XXXX XXXX account instead of nationstar. JP Morgan Chase has released my money to someone other than it was intended for. I filed an affidavit with Chase on XXXX XXXX, 2016 and am still waiting for my {$1800.00}. Chase stole my money. I want it back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Borrower is deceased and the Estate needs communication with the mortgage company. However, the mortgage company continues to deny receiving the authorization letters. Several attempts to preserve the estates interest have been rejected and now the property is scheduled to foreclose. The estate sale of the real property would pay the mortgage company in full and the equity would be issued to the heirs. The mortgage company is Chase. There is no reason to foreclose on the property especially since foreclosing would deprive the heirs of their equity. It 's a simple probate with XXXX real property asset to sale. The necessary time needed is 3 months or less and the administrator would make mortgage payments until the close of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XX/XX/XXXX and XX/XX/2016 which was received and signed for requesting that a dispute be initiated for a Chase account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in Chase account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We have been trying to get a loan modification with Chase Bank since XXXX XXXX, XXXX. We asked for a loan modification and a reduction in principal since we have been paying a interest only payment from XX/XX/XXXX through XX/XX/XXXX. They would not work us at all, however in XXXX Washington Mutual who was the original lender assigned the deed to Chase even though Washington Mutual went out of business in XX/XX/XXXX. We are asking for a reduction in principal and forgiveness as we can not afford the payments on this XXXX mortgage / heloc. We are asking for relief and help in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got a XXXX XXXX Credit Card ( Mileage Plus Explorer issues by Chase ) primarily because it promised an extra bag for me and my wife when we travelled together. we purchased tickets to XXXX and since we were going to be away for four months we packed XXXX bags each. when got to the airport and started checking in, imagine our surprise when we were required to pay {$200.00} for then extra bags ( the check-in terminal advertised the free extra bag ) since they said the extra bag only applies to domestic travel. This is clearly misleading advertising since that limitation was hidden far down in the card description.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good Day, I had contacted Chase for improper hard inquiries on my credit reports as below- XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 If you find that my dispute is incorrect, and you did have my authorization to inquire into my credit report, please send me documented proof of my authorization. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, the reason I am asking for help is because : every month I buy a chase cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to chase bank to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a XXXX XXXX XXXX ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at chase bank but cashed in XXXX XXXX bank. I was given a period of 120 days for resolution and during these 120 days I have been calling chase twice a week with no update except for chase saying that they have emailed XXXX XXXX 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' XXXX XXXX into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed in the first place and how little Chase is doing to try to recover the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase used my escrow in XX/XX/XXXX to pay off my mortgage a month early in full leaving two of my property taxes unpaid without our knowledge or permission. I learned about this around XX/XX/XXXX because Chase sent us a letter. We were scheduled to pay off the mortgage in XX/XX/XXXX, which would have left remaining escrow to cover the taxes. The monthly P & I is approximately {$780.00} and they paid out approximately {$680.00} in escrow to cover the loan on XX/XX/XXXX, which was the day after my XXXX payment was made. Their internal investigation yielded that CFPB 1024.34 was not violated in any means because they could do this with escrow, and it is considered a common practice. We paid off our 30 year note in about 14.5 years. 
I believe that this is a stretch of the regulation at best, and if not, completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase XXXX XXXX card has fraudulent, deceptive, abusive, and obstructive dispute process for incorrect charges on credit card. 
1. It takes great effort to even find out where on pathetic website you can file a dispute. It is hidden under 'messages ' somewhere. 
2. After typing dispute, when clicking 'submit ', the web page, says " you have been signed out of your account '' rather than stating the dispute has been accepted. This is their way of blocking you from filing a dispute for a charge. 
3. It takes hours speaking to some high school drop out to dispute a charge by phone. 
4. Chase fraudulently removed credit for a disputed charge, 'the protection group ', despite that Chase never asked me for any documentation to corroborate that 'the protection group ' was billing me for services they never rendered. 
5. Again, there is a dispute with XXXX ' and after 30 minuntes finding and writing a dispute, the website says " you 've been signed out '' rather than accepting the dispute. The website is set to automatically sign you out of account instead of accepting any disputes. This constitutes consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/XXXX I discovered unauthorized charges on my bank statement and reported them to Chase and filed a police report. While the fraud began with a single {$5.00} charge in XX/XX/XXXX, there was XXXX charges totaling {$1300.00} XX/XX/XXXX that caught my attention. 
XX/XX/XXXX I closed this account and reopened another account with the same bank. 

Today I followed up with the bank and I was told that even though this unauthorized charge was reported within 60 days of occurring, they were not going conduct an investigation or credit my account because the initial fraud of {$5.00} occurred and went unreported XXXX. ( I was informed I needed to pay better attention to my statements ) This unauthorized transaction occurred using a guest account with XXXX, who quickly identified and flagged their account as fraud, froze the funds and let me know the funds can be recovered, although I have to go though my bank to initiate the credit. 

Is this accurate? Can a bank not investigate an unauthorized charge to your account because that same company fraudulently charged your account an insignificant amount outside their 60 days reporting window?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently moved and notified my credit cards. Nonetheless, when I attempted to use my Chase card in my new neighborhood, it was declined. When I called them to inquire, they sent me a text message. I am XXXX XXXX XXXX, using text messages is difficult for me. I am disgusted that I did everything properly and still had to go thru this hassle

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
In XXXX of 2014 I placed an order with Amazon.com and thought I was using my own Visa card through my bank, what happened that I was not aware of was that they issued a new credit card thru Chase Bank and placed those items on that credit card I did n't know that this had taken place. 
I received a letter from XXXX XXXX collection agency stating that I owed Chase Bank XXXX the letter is dated in XX/XX/XXXX but never received this letter till XX/XX/XXXX. 
I called that collection agency at least twice and they said I would have to call Chase Bank Fraud dept. which I have done 4 times I have talked to XXXX different people and each time they say someone will call you back and they never do. 
I never received a credit card from Amazon nor did I ever receive a statement telling me I owed money, so when I got this letter I was totally surprised and knew I had not asked for a credit card thru Chase Bank. 
I have explained this to Chase Bank each time I 've called and offered to pay for the product that was purchased but not the interest that has accrued since I never knew of the credit card issuance. 
From what I can determine I owe XXXX and would like to pay that completely off. 
I have already cancelled that credit card so nothing else can be put on it. 
I am completely appalled with Chase Bank Fraud dept. they have nothing to do with helping people and their issues, their working for Chase Bank and trying to pull money from people that is n't there 's! Please help to get thru so I can illiminate this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation