vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 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: MI

Complaint narrative:
I suffered a XXXX 8 yrs ago and requested a XXXX discharge from my student debts. Due to an error in the national student debt database, my request was denied. Representatives at the Dept of Ed and Nelnet have explained the root of the data error, but each one has claimed to lack the authority or ability to correct it. Their inaction has cost me $ XXXX+ so far, and I have 13 years left on my loan. 

The representatives say that, when I consolidated my loans with my husband 's, the lump sum was entered into the national database under his name, and my loans were inaccurately marked as " paid in full '' rather than " transferred '' or " consolidated ''. Somehow, when monthly payments are due, the Accounts Payable Dept at Nelnet is still able to track my liability for the consolidated debt. When I request relief, however, the Debt Discharge Dept contends I have no debt from which to be discharged. 

The representatives have explained that, for purposes of discharge, I need to find a member of their staff who has the authority and ability to override the error in the database and recognize the portion of the debt that originated with me. XXXX Dept of Ed Ombudsmen and several Nelnet representatives all claim to lack the authority or ability to execute corrective measures. 

My husband and I have submitted applications for relief due to disability and hardship, on behalf of each of us as individuals and as a couple, to Nelnet and to the Dept of Ed. We 've participated in XXXX appeals through Dept of Ed Ombudsmen, and even though the US Dept of Civil Rights has a webpage dedicated to this issue, our Complaint was rejected based on " lack of jurisdiction ''. 

Where do we turn next? 

We 've been fortunate through all of this, to be able to continue to raise our children and pay our medical bills ; but we had to sell our home of 15 yrs, and our savings are gone. Miraculously, I have healed so substantially that I was able to go back to work this year. Please help me resolve this issue so, at XXXX yrs old, I can gain financial stability and have a fresh start at my new life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a chase account which is being charged {$35.00} a day, I am in the minus today XXXX/XXXX/15 over XXXX XXXX dollars. My account number is XXXX, I have been a customer for just three months. I am really concerned about this, I read all of the information and the lawsuits with this bank. I would appreciate customer service calling me and waiving these fees! I would love to stay a customer with this bank and I would make sure not to use it on a daily basis. What is the protocol with my overdraft protection, what rights do I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am not sure if this should be a credit card complaint or a bank complaint. I currently have a business account with Chase which is being closed citing the following : " This decision is not a reflection of your business or how you have handled your accounts and it does not affect any personal banking relationships you may have with JPMorgan Chase or its affiliates. We apologize for the inconvenience this business decision causes and want to help you transition your accounts. '' I have done some research online and I assume my account is being closed because my business involves XXXX or because I am registered with XXXX as a XXXX. Most banks consider XXXX as high risk, however I have not had any incidentals with this account. I now know that my account requires more maintenance and is more expensive than other accounts, so I understand the banks decisions to end our relationship. However, I have since received a letter from Chase about my personal Credit Card account : " After careful consideration, we closed your credit card account on XXXX XXXX, 2016, because our affiliate is ending its banking relationship with you. '' I assume this must be a mistake or oversight since the first letter said it would " not affect any personal banking relationships [ I ] may have with JPMorgan Chase or its affiliates '' and this letter says it is because " our affiliate is ending its banking relationship. '' My personal Chase Sapphire Preferred has never been used in relation to XXXX or for anything related to my XXXX checking account. I assume this error is the result of a banker ticking the wrong box or something. My brother is my partner in our XXXX business and was linked to our business account. His personal bank account which also had nothing to do with XXXX or our XXXX was also closed. Also, my Reward Points worth approximately {$1500.00} will be voided 30 days after my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
High payments each month ca n't repay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : CHASE AUTO I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Earlier this week, I had a call come in that turned out to be someone attempting to get my bank information. I called Chase and let them know about the call and that I was concerned because someone apparently had at least some of my information. They verified that everything was fine with my account and not to worry. If anything came up, I would be contacted through their secure messaging. 
So yesterday, I was checking on my account and saw that a check that was supposed to be there, was n't. I verified that it was actually supposed to be in my account by yesterday and then called chase to find out what the hold up was. They verified that the money would be in my account by the end of the business day. They also said that there was a restriction on my account but not to worry. 
I sent an email later in the day through their messaging system to find out what this restriction was. they sent me an answer with a number for me to call. So I did. Turns out the restriction was that Chase was closing my account. Even better, they would not tell me why. the representative would only say that Chase has the right to close any accounts without any warning or explaination. She did say that if I called today that I would be able to go and take my money out of the account today. 
So I called today. And was told that no, I could not take my money out today and that they would be sending me a check for the amount. 
So now are they not only closing my account without reason, but they are now holding my money hostage as well. I am at my wits end and I do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Slate Card : Handling of dispute between myself and an automobile repair facitlity was grossly mis-handled and after being assured that it would be investigated and I contacted if anything updated, the disputed {$150.00} charge was put back onto my card on XXXX/XXXX/16 without so much as a message to that effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/2015 a Chase Quick Pay was created from my husband 's, XXXX XXXX XXXX, Chase Account # XXXX for {$550.00} to go to my personal account to XXXX XXXX, Chase Account # XXXX. When I never received notice that money was transferred, and I never received it in my account, I investigated. I was told that on XXXX/XXXX/2015 it was transferred via XXXX account to XXXX XXXX, account ending in XXXX, with my email address XXXXXXXXXXXX. I did n't know anything about a XXXX account and I do not have any account ending in XXXX. I have exhausted all my efforts to retrieve this money. Chase says it has transferred and can not be refunded. XXXX XXXX said it was never received and that it is an issue with Chase. My husband is a XXXX veteran and we can not afford to have {$550.00} vanish from our accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After I made my monthly mortgage payment to Chase in the amount of {$1300.00}, due on XXXX XXXX, 2015, Chase sent me another bill, dated XXXX XXXX, 2015, stating the same amount is due on XXXX XXXX, 2015. I phoned on XXXX XXXX, 2015 and spoke with " XXXX '', who said, if I want a written explanation, I must first make a request in writing. Chase is attempting to obtain multiple payments by misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
on XX/XX/2016 I went online and purchased an auto part for a car repair. I called the online company later that day to cancel the order they told me that it would take 2 to 3 business days for the credit to hit my account. On XX/XX/2016 I checked my account online and I noticed the charge for the part as I scrolled down to XX/XX/2016 I noticed the credit back into my account so I contacted Chase and asked the representative why is the credit to my account being offset by the charge? He said this is the way chase post a credit into the account. I said it 's basic math that a negative and positive gives you XXXX so where is the credit back into my account. He of course says it was done on the day of the charge but if on that day my account had XXXX dollars and the part cost XXXX then my balance would be XXXX so if I cancel the part then I should see XXXX credit back to my account. But that 's not what happened Chase is inflating my balance with the credit with the retailer cancelling the charge by offsetting the charge so it 's a wash like nothing happened but there is no credit back to me. Chase is back posting which is not correct the posting ledger should work in real time not posting credits and debits based on their best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I AM A SENIOR CITIZEN AND HAVE BEEN TRYING TO SELL MY HOUSE THROUGH A SHORT SALE WITH MY LENDER, XXXX BANK XX/XX/XXXX. I HAVE HAD NUMEROUS OFFERS, APPRAISALS AND COUNTER OFFERS AND STILL CAN NOT GET MY PROPERTY SOLD. THERE IS AN OFFER THAT HAS BEEN UNDER REVIEW WITH MY LENDER SINCE LAST YEAR AND A FEW DAYS AGO I RECEIVED A MOTION FROM MY LENDER 'S ATTORNEY REQUESTING THE COURT 'S ASSISTANCE IN RESTORING THE FORECLOSURE ACTION TO THE CALENDAR. THE FILE WAS SERVICE RELEASE TO XXXX LOAN SERVICING AND WHILE THE REVIEW PROCESS WAS STILL ONGOING, THE FILE WAS SERVICE RELEASED TO SETERUS. THE CURRENT OFFER TO MY KNOWLEDGE IS UNDER REVIEW WITH XXXX SETERUS. SO WHAT I DO NOT UNDERSTAND IS HOW CAN THE BANK AND THEIR ATTORNEY PROCEED WITH FORECLOSURE WITHOUT A DENIAL OF THE CURRENT OFFER? 
MY REALTOR 'S OFFICE INFORMED ME THAT XX/XX/XXXX, A REPRESENTATIVE FROM THE SETERUS CONTACTED HIS OFFICE TO INFORM HIM THAT THERE WERE DOCUMENTS MISSING BUT THE DOCUMENTS THAT THEY STATED WERE MISSING WERE EMAILED TO THE NEGOTIATOR, XX/XX/XXXX AND AS OF TODAY 'S DATE, THERE HAS BEEN NO RESPONSE FROM HER. 
I REALLY DO NOT UNDERSTAND THIS PROCESS AS THE BUYER DID NOT CHANGE THEIR MIND ON PURCHASING THE HOUSE AND HAVE BEEN PATIENTLY WAITING FOR THE BANK TO ISSUE AN APPROVAL WHICH STILL HAS NOT BE DONE. 
THE MOST TROUBLING PART OF THIS SHORT SALE PROCESS IS THAT IT HAS BEEN ONGOING FOR MORE THAN 3 YEARS WITH NO RESOLUTION INSIGHT. MY AGENT HAS ALREADY SENT A COPY OF THE SHORT SALE DOCUMENTS TO THE BANK AND THEIR ATTORNEY SO I REALLY DO NOT UNDERSTAND WHY THEY ARE TRYING TO PROCEED WITH THE FORECLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
-Chase bank cancelled my one month old Marriott Rewards credit card while I 'm abroad and refuses to refund me back the annual membership. 
-In XXXX 2016, I received my new Chase/Marriott Rewards card. 
-The card was continuously being declined and blocked every time I use. 
-Over 20 calls to Chase bank customer service and security department to unblock the card and declare travel notice. 
- I used the card in one purchase only through XXXX and after that it simply kept blocking again in every purchase after. 
-Chase bank suddenly cancelled the card after one month of issue for no obvious reason. 
-Chase bank unprofessionally cancelled the card with no previous warning while I 'm abroad. 
-Chase bank dishonesty refuses to refund me back the {$85.00} annual membership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX, 2016 Dear Sirs, Please help me! I 'm a XXXX old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys into foreclosure. I was working with JP Morgan Chase to apply for a HAMP Loan through the HOPE organization. I filled out form after form, sent them back and never heard from Chase for my Trial Payments. JP Morgan Chase put my home into foreclosure. 
I called JP Morgan Chase in XXXX of 2016. I told them I wanted to send payments to them, but they would not accept my money and would n't talk to me or my son after that. The attorney for Chase, XXXX XXXX. XXXX in XXXX, VA, would not talk to me or my son either. We would leave message after message and nobody would call us back. I could n't find an attorney who would take my case against JP Morgan Chase, so I went by myself to the Court in XXXX XXXX, Virginia, and did the best I knew how to defend my rights. Of course I lost. I have been fighting for the past year to keep my home of 37 years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it once the home is foreclosed on. I do n't believe that! 
After researching on the internet for help, I stumbled upon the The National Mortgage Settlement. I 'm not asking for a class-action money claim, I just want to be able to send payments to continue paying for my Home Equity Line of Credit and keep my home. Because of the tremendous onslaught of applications from the Obama HAMP Program, these applications were not being processed for new loans. They were immediately thrown into foreclosure status. XXXX article said " employees were given bonuses '' based on how many homes they foreclosed. In my opinion, there 's a huge conflict of interest there. What motivation is present from employees to process loans, when they can receive BONUSES for putting them immediately into foreclosure. That is how I got into the situation I 'm in now. The court is trying to evict me. As I write this, a sheriff is trying to give me eviction papers today, XXXX XXXX, XXXX. I do n't want to have to leave my precious home where I have lived for 37 years. I do n't see why I have to give up my home, when the fraudulent practices of JP Morgan Chase, my lender, and XXXX other huge banks and lenders committed fraud by doing these practices. 
I have attached an article from the XXXX XXXX. Please help me! Do n't ignore me. I 'm not a bad person, I just want my home. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Platinum Holdings Group, LLC
State: NY

Complaint narrative:
a letter was sent to my job to start taking money out my pay from adept collecter all i know its from 1998 i never receive any court papers to apear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Over the past few months Chase has sent me letters about ways to contact them to discuss my mortgage. I have tried calling the phone numbers they provide on their letters only to dial the extension they provide and have the call automatically hang up. When a rep does answer the phone, they say they have no record of the letter. That is what happened today when I called regarding the letter dated XXXX/XXXX/15. I also tried again to call the number and extension on the letter dated XXXX/XXXX/15 only to get a recording that the extension is not valid and the call automatically disconnected. My complaint is that Chase is sending me letters with false contact information and this is an unfair business practice. Chase and other banks should not be allowed to send their customers with false and misleading information on their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was XXXX XXXX for a debt that I never incurred. I have tried several times to resolve this with the creditor and they refuse to provide proof of the debt simply stating that they are validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation