vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet has created unwarranted charges to my account ; I have never agreed to pay a specific amount of money but that I would pay back what I owe in student loans. However, Nelnet has made it their mission to provide an agreement of charges, which means there have become more than XXXX charges to an original account, which for them triples the 'Capitalizing interest '. They also continue to change dates on my initial date to pay, in the beginning my date to pay back my student loans was every month on the XXXX and now they are changing it back to the end of every month and slowly without any notice backwards to maybe the 2nd week before the month ends causing me to be " behind on payment '' as they call it. 

These unwarranted charges NEED TO STOP it is unfair to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In 2010, I was granted a loan modification from Chase Mortgage. The mortgage stated that XXXX was " deferred '' with no terms for repayments. When I called and asked about the amount I was told it would be " forgiven '' after XXXX years of timely payments. No where in the loan modification that I signed has a provision for repayment and it is not included in the amortization schedule sent to me by Chase Mortgage. No where in the document does it state that I am to repay this amount as I never would have agreed to such an agreement considered my homes value had dropped significantly. Chase now states that I took out a XXXX mortgage/ piggy back loan for the additional XXXX which is simply not true. They are now holding me accountable for an amount that I did not agree to pay back. I need assistance in getting Chase Mortgage to hold up their end of my loan modification agreement. I am attaching the Loan Modification which clearly states my payment terms and amortization schedule as per Chase in which no where does it state provisions for repayment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have been experiencing great difficulty paying my mortgage due to JP Chase Home Finance Mortgage increasing my loan amount and increasing my mortgage payments. I am unable to refinance, sell the home and do anything. I am also having a very hard time paying the mortgage I pay the mortgage to not mess my credit up. Unfortunately I may be loosing my job very soon and I want to clear this matter up now before I go into foreclosure. I reached out to JP Chase Home Mortgage to come up with a resolution and Chase only offered me another Loan modification. At this point I believe its pointless to obtain a new Loan Modification especially since, the previous one put me in a hole. Note : I do n't mind if CFPB publishes this issue however please refrain from publishing my loan account information, loan number, address, name, social security numbers, basically anything personal pertaining to me and my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I used Lexington Law for 2 years to raise my credit score and remove some items from my credit report well my score went down about XXXX points after I was finished paying them {$99.00} a month for 2 years They did nothing for me except take my money every month. I truly would not recommend them to any one. I would call periodically and was told that if I would hang in there a year that I would see results a year after I started my score went DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been locked out of my home by Chase Home Finance. They had XXXX sheriff deputies attend and they had their charges to remove my belongings and put them out in the yard. Chase says they were acting on behalf of their investor, the Secretary of Housing and Urban Development ; the trustee deed they have had HUD 's name on it as grantee. This is new information as HUD has stated they have no interest in the home and they gave me a statement saying the balance was XXXX and the maturity date was the year XX/XX/2011. Chase is blaming HUD and HUD is saying there is no history of Chase being the lender. Chase now says they were the servicer as they assumed that role when XXXX merged with them, but who appointed them? Chase has caused my home to be advertised for {$1000.00}. So, who is responsible HUD or Chase? The lender, XXXX says that the loan is paid in full and there is nothing due or owing. Chase concedes now XXXX was the lender. How can the servicer now say that the lender can not release the deed of trust and that there is more money owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We bought a condo in texas-needed a line of credit to pay for condo while the other XXXX sells ( need money for XXXX-90 days ) Were told it would take 45 days. Problem is we made a purchase of the new condo being told we would be able to get $ XXXXtowards purchase. We went ahead gave all our information as needed-as we proceeded they continue to ask for more and more information repeating much of the same questions- They also kept lowering how much money they would loan ( from {$300000.00} to {$200000.00} to {$170000.00} and finally {$60000.00} ) We had to constantly call them because most of the time they would not call us back as they said they would. Now just to let you know we have excellent credit XXXX homes paid for worth {$750000.00} and investment of over {>= $1,000,000} we explained we only needed the funds for a short period of time not a mortgage - we felt we were being avoided. We had {$2700.00} dollars on the line and no commitment, thank XXXX we were able to obtain a line of credit against our investments otherwise we would have lost the deal and our money We have several accounts with Chase bank that is why we went to them and am sorry we did. I would not recommend them to anyone and furthermore question further use of their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied under a XXXX bonus for the Mileage Plus Chase Visa Card. Within an hour I received an email offer from XXXX about a XXXX bonus ( email attached ) for the same card. I emailed XXXX ( email attached ) and they said they could n't do anything that I had to contact Chase. I called Chase and the agent told me that I could get the XXXX bonus by cancelling the card with the XXXX bonus and reapplying under the XXXX bonus. ( Unfortunately, this was a phone call with no documentation. ) I did what the rep said which held up the XXXX bonus card for two weeks while they cancelled the XXXX card and issued the XXXX. When it came time for the bonus, I only receive XXXX miles. After writing XXXX emails and speaking to XXXX reps, despite the fact that I forwarded a copy of the XXXX bonus email and the XXXX XXXX email, Chase will only give me the XXXX bonus. If the original agent had told me she could n't do anything, I would have been unhappy but I would have understood. I also would not have had to wait for the credit card or have had my credit rating affected because I applied for and canceled a card within a small window. Instead I did what the Chase representative told me to do and was greatly inconvenienced. Unfortunately, crediting less than the bonus offer is a common Chase practice which I found out by searching on line after my unhappy experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We are resubmitting this complaint since it is meant for CFPB ( as well as Chase ). 

Dear CFPB : ( 1 ) Please investigate Chase 's mortgage account book. We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest XX/XX/XXXX and XX/XX/XXXX while they should have paid ~ {$9900.00} and ~ {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XX/XX/XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XX/XX/XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; and ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole ~ {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; and ( d ) interest. Actually, there is no escrow ; it 's paid off ; and Chase is paying a manufactured, ghost escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I continue to receive collection calls from Chase ; even though account is current : Pay due on account XXXX of month ; after XXXX of month acct is past due ; I received at least XXXX collection calls between XXXX ; when I questioned caller ( s ) why I was receiving collection calls ( each time caller advised this is attempt to collect a debt ) I was advised they were courtesy call : I advised I felt that I was being harassed ; and further that I was going to call the " Consumer Protection Agency '' to ask if it was legal for them to continue to call me about account which was in " current status '' : I was previously assigned an account assistant by Chase ; XXXX XXXX XXXX XXXX however, she never contact me ; msg left by me to her were never answered : My Mother is now deceased her income ( {$2000.00} per month ) was considered in terms of mortgage ; my retirement income is {$2300.00} per month : Chase mortgage payment is now approx. {$950.00} per month : The acct is now current ; please do not continue the harassment : Thank you : Signed :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In 2008 I was awarded a judgement against Washington Mutual and XXXX XXXX in 2008 in the XXXX Cook County Courts for predatory lending and origination and servicing fraud. Two months later Washington Mutual went into bankruptcy and the FDIC became the receiver. I submitted a Proof of Claim and was approved. However up to now the FDIC has not had the funds to make me whole. They claim that XXXX XXXX has a XXXX dollar claim and have no additional funds available for smaller creditors. What options are available to me as a small claimant, the judgement being less than {$50000.00}? Senator XXXX 's office has contacted the FDIC on my behalf to get this information for me, but has been unable to do more. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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, I received an alert on my bank account that XXXX amounts had been deducted from my account. After calling Chase bank and finding out that they could not assist me over the phone, I visited a Chase bank. I spoke to a banker and explained that I had seen curious charges on my account and wanted to know why the amounts of {$620.00} and {$710.00} had been deducted from my account. As you can see from the documentation, checks were deposited twice. But, not by me. An individual somehow obtained checks from my home, after I had deposited them into my own account, and deposited them into their own personal accounts, XXXX Chase and XXXX XXXX XXXX, roughly 11 months after the checks were issued. Both XXXX XXXX and Chase Bank accepted checks that did not match the name of the account they were deposited into, had my signature on them, and were nearly a year old, which should have voided them to begin with. This money never should have been taken out of my account and is check fraud, theft, and the checks should have been flagged by the banks as stolen and voided because of the time frame. Chase Bank even found records of where the checks were deposited into- they know who the accounts belong to, per the records that were provided to me at Chase bank, please see attached documents. Chase would not help me get the money back and would not correct their error in depositing a check into another customers Chase account, and neither would XXXX XXXX I do not and never have had a XXXX XXXX account, so this was obviously theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have a U.S. Department of Education federal student loan that is being serviced by XXXX XXXX and the guarantor is Nelnet. The total loan balance is {$3700.00}. The account number is XXXX. I applied for a XXXX discharge because I am XXXX, I receive {$1000.00} monthly in social security XXXX income and this is the only income in my household. I can not afford to repay the student loan balance due to my fixed income. I barely have enough money to buy food after paying for housing and utilities. I provided Nelnet with the completed XXXX discharge documents and a letter from the social security administration stating that my XXXX has been certified for 3+ years. Nelnet denied my request for XXXX discharge because they request a XXXX certification of XXXX years. I have spoken with the social security administration and they have advised me that there is no such thing as a " 5-7 year XXXX certification. '' I reported this information to Nelnet and they still refused to reconsider my request for XXXX discharge. The Doctor that previously certified that I am XXXX has retired and is no longer a practicing physician. Instead of acknowledging the 3+ years of XXXX ( + means greater than 3 years ) Nelnet insist on making my life a living by requiring 5-7 years of XXXX certification. Please note that I have received social security XXXX since 2005 - present day. I have been approved for my LAST forbearance and I am terrified of what the outcome will be when the forebearance ends because I can not afford to pay. 

In addition, my student loans are result of me pursuing a degree at XXXX University. I only took XXXX course at XXXX University, a For-Profit educational institution. The tuition was astronomically high. 

I am requesting that my student loan balance be discharged as a result of me being permanently XXXX and I am requesting that my student loan balance be discharged as a result of me accumulating unnecessary student loan debt because I was taken advantage of by a For-Profit college, XXXX University. 

I sincerely thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
It all started when CitiMortgage bought our loan from XXXX. I made my normal payment to my mortgage company ( XXXX ) and another mortgage company ( CitiMortgage ) called to tell me that I was late with my payment. When I informed them that I had already mailed my payment I was told that CitiMortgage bought my mortgage and I was to pay them. We were making our payments and such and got a letter saying that CitiMortgage was charging us for homeowners insurance that we already had and was sending in the certificates for every year. We later found out that we were being charged for insurance for 7 years. We started really looking at our bill and saw " fees & fines '' and when we asked where these fees and fines came from, they could n't tell us. We tried to do a modification with them in XX/XX/XXXX/XX/XX/XXXX and was denied after the 6 month trial because they said that they did n't get our first payment. When I told them when it was mailed in and the money order number they did an investigation and found our payment on the desk of someone that no longer worked for the company, but they still denied our modification and the only option that they gave us to keep the house, was to do a modification that started with a low interest rate that would increase every year until we got to our initial interest rate, so we did. We started another modification in XX/XX/XXXX, but I lost my job and they quit talking to me. I stopped getting monthly statements from CitiMortgage and started getting them from a company called XXXX. We tried to do a modification with them, but were denied for different reasons, and then they said that they were going to foreclose without offering any other options such as putting what we owed on the back of the mortgage because they said what we owed was {$30000.00} which means @ {$580.00} a month, we would n't have paid for at least 7 years which is untrue. XXXX said that the house went to auction XX/XX/XXXX, but no one bought it. They continued to send us statements until XX/XX/XXXX. My husband was talking to a realtor that works for XXXX and he told us that the deed was transferred XXXX XXXX, XXXX, which we found out was a lie. I got a letter in the mail that says the deed was transferred back to the lender on XX/XX/XXXX. A guy from the mortgage company showed up at the door to see what to tell the Sherriff 's Office, and when we told him what was going on he informed us that XXXX is not even a mortgage company, but a debt collector and never had any intention in helping us keep our house and suggested that we get a lawyer

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 2016-01-17 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am rebuilding credit following a chapter XXXX bankruptcy discharged in XXXX XXXX. I have limited new credit established and decided to apply for a Chase Freedom card on XXXX/XXXX/XXXX which was described to be the type of credit card good for those with previous credit challenges or need a second chance. I had not receive a response on the application after more than 30 days. I called Chase XXXX XXXX around XXXX/XXXX/XXXX to find out the status. I was told the application was denied and a letter was sent to me. I did n't receive it so I requested a copy to be mailed to me again. The representative said he would process my request. As of XXXX/XXXX/XXXX, I had not received the denial letter, following my request for a copy. I called again and asked to speak with a Lending Supervisor to express my concern. I finally received the denial letter dated XXXX/XXXX/XXXX which is over 60 days from the date of my application. Additionally the letter says I applied for the Chase Slate Visa XXXX credit card which is the incorrect product. I believe Chase did not handle my request within regulations regarding the product type and timing to send me a response on the credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a credit card with British Airways Visa Signature through Chase Bank that offers " No Foreign Transaction Fees ''. XXXX I recently charged a XXXX XXXX ( XXXX XXXX ) on my credit card. I checked my bank 's website to find that I was billed {$25000.00} US Dollars ( USD ). The transaction was settled by Chase Bank on Monday, XXXX XXXX, 2016 using an exchange rate of XXXX USD per XXXX. The currency exchange rate, as published by XXXX on XXXX XXXX, 2016, was between XXXX and XXXX. Assuming that the highest exchange rate of the day was used, a rate overcharge of XXXX resulted in a FEE of {$1500.00} to be charged on this transaction. Upon contacting Chase Bank, I was informed that there is " No Fee '' on the transaction. They stated that XXXX sets the exchange rate used for each day and that Chase Bank has no control over this rate. XXXX, in fact, did publish a rate of {$1.00} on XXXX XXXX, XXXX. The rate set by XXXX is 6.5587 % greater than the highest actual exchange rate on XXXX XXXX, 2016. Chase Bank 's representative defended the process by claiming a distinction between the exchange rate and a transaction fee. As a consumer, the exchange rate and the foreign transaction fees are effectively one in the same. 

There are several issues at hand. The advertisement, " Transaction Fees on Foreign Transactions : None '' is patently false and is tremendously misleading. Chase Bank is hiding XXXX 's 6.5587 % Transaction Fee on the exchange of XXXX 's to USD 's. This claim should not appear on their websites for " No Fee Cards '' without a disclaimer that the foreign currency exchange rates used will be arbitrarily be set by XXXX and have no relation to the actual transaction exchange rate. 

I would appreciate the CFPB 's investigation in this matter to make the consumers aware of these tremendously misleading claims and hidden fees. I would also like to be reimbursed for the transaction fees that were charged that are above the market rate for this transaction. I feel that my many past foreign transactions on the Chase Bank XXXX XXXX should also be subject to a similar refund. I have detailed documents that support the amount of the charge in XXXX, copy of my Chase Bank posted transaction, XXXX 's XXXXUSD rate quotes, my cardmember service agreement and XXXX 's " imaginary XXXX-USD exchange rate '' on XXXX XXXX, 2016. 

I thank you for looking into this very deceptive practice.

Company response to consumer: Closed with explanation