vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The National Student Loan Data System is reporting incorrect information regarding my attendance at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 's records show inaccurately that I graduated in XXXX 2011. I did not. I was attending the school through the date of closure and was scheduled to graduate in XXXX 2011. I was unable to graduate because the school closed while I was attending it. NelNet is refusing to provide a closed school discharge because of false and misleading information reported on the XXXX XXXX XXXX XXXX XXXX. I have provided them with many documents supporting the fact that i was enrolled in the school at the time of closure. After trying to resolve this issue with the XXXX with the XXXX, the XXXX told me Nelnet agreed to accept my transcripts as proof of enrollment. I have provided the transcripts, but NelNet is still refusing to grant the discharge. It states it is relying on the information on the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A XXXX form was sent to an address XXXX XXXX XXXX, XXXX TX XXXX. I have never lived in a city or at that address. The individual who lives at that address contacted me and forwarded me the XXXX form. I have contacted CHASE credit card to inquire how and why this happened as I have lived at the same address XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX for 13 years. After several attempts to speak with chase and understand who authorized the address change they said they do not know how or why the information was sent to the 3rd party and that they do not keep records for that information but that they were sorry it happened. Chase bank reps do not want to discuss the matter with me and I feel they are trying to hide how this event occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Very long and drawn out story. We were in the middle of a " modification '' with WaMu when housing market collapsed and loan was given to Chase where they immediately began foreclosure, even though we had been following all the rules of the modification. We then filed bankruptcy to save our home and for 2 1/2 years, we paid Chase back through the bankruptcy. At the 2 1/2 year mark, I spoke to a VP at Chase Mortgage and he set a team on my mortgage and did a permanent modification for me and I was able to remove the mortgage from the bankruptcy. Since that time, I have NOT been delinquent although they still do not report to the credit agencies. My problem is that my Principle Balance is XXXX LESS than my payoff. Principle is XXXX and the Unpaid Principle Balance is XXXX. I realize that some may be back interest from the entire debacle but I also have a feeling that they are gouging me with so many " corporation '' fees and charges. We ca n't get out from under this mortgage. Our mortgage is almost XXXX a month with no END in sight with an almost 6 % interest rate. I have tried with Chase to refinance for the lower interest rate and was turned down. I have called them multiple times asking for a breakdown of transactions on my account and although they sent me a " history '' there is no description. On XXXX XXXX, 2012 there was a XXXX adjustment to my account with ABSOLUTELY no description. On XXXX XXXX, 2012 there was a XXXX adjustment but it gave a description of XXXX XXXX XXXX ( which I fully understand ). I just need to make sure that I do n't have XXXX dollars of FEES AND CHARGES from Chase. We are a middle class family of XXXX living paycheck to paycheck and want to move to a less expensive home and lower mortgage but because of this " pay off '' we are stuck. The only option we have is to give it back to the bank and I DO N'T want to do that ... we have been working so hard on getting our finances back on track and want to be home owners again. I would really appreciate if someone could help us. I 'm not sure what other options we have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to use my debit card on XXXX XXXX but it was declined. I paid cash for my transaction and did n't think anything about it. My paycheck is direct- deposited into my Chase account on or before the XXXX XXXX of every month. I tried to check my account this morning but got a message stating that I needed to contact Chase. I managed to check the balance by phone to find a XXXX balance. So I called customer service only to be told that my XXXX yr old acct was audited and that Chase decided I was no longer their customer and closed my acct. No notice of any kind! I will have to wait 10 days for a letter from them, can not access my paycheck and have several auto- pay bills that will not be paid on time. They refuse to discuss the issue and will not tell me what to do to keep my account open. My credit is going to take a big hit now and I can not pay my bills! I spoke with XXXX from customer service and he told me to stop spending! What was that about? I need to access my money-back money that pays my bills, gets me to work and feeds my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX I faxed my " Loss Mitigation " Paper work to the XXXX AZ office. I called the phone number on the loss mitigation papers { which was completely different than XXXX Number } later that day to see if they received it and I was redirected to XXXX XXXX She told me it looked like they got some of the papers I sent. Then quickly changed the conversation to needing a payment I explained that I was calling just to confirm that my papers were received and that my husband would be calling in with the payment information. She yelled at me and said my husband and I need to get things straight. She said you have to answer to payments and continued to scold me on how I purchased a home knowing that I could n't afford it. She put me on hold and sent me to another representatives which would n't give me any information regarding my paperwork sent. She continued to harass me for payment. I felt like I was being " BULLIED " by these XXXX Green Tree Associates!! I had to hang up because I was brought to tears and for the first time I felt hopeless. I was scared that this new provider was out to take my home. We just recently got sold to Green Tree. Our last mortgage company was XXXX XXXX XXXX. Green Tree has no soul.. I 've never been subject to such brutal tactics. XXXX I called the loss mitigation number and XXXX XXXX Answered and again she would n't tell me what was missing from my submission of paperwork before she told me I had to make a payment. I told her she was wrong for treating me this way and that I 'm trying to get help so I could make my payments on time. She told me that she was sending me to her manager. XXXX is her name and she was completely understanding and told me what was missing and listened to my concerns and lastly before we hung up she reminded me of payment and I was cooperatives with confirming a confirmation on calling on Monday to schedule a date for payment. I know they are changing to XXXX in the coming months. I hope that they clean out the Rude and unprofessional associates XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a home mtg with Chase. Account number XXXX is partial number. last XXXX of my ss are XXXX. My name was XXXX XXXX at the time and this is the name account is under. My mortgage was included in my bankruptcy. This account is well over 7 years old from first delinquency. By law this account needs to be removed from my credit report. Even though payments are not being reported and I have a XXXX balance this is still showing up as a negative on my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is reporting XXXX missed payments and charge off on name as authorized user I never put myself on an acct please have them remove from that acct asap thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
my complaint is with DiTech formally Green Tree formally XXXX XXXX our loan has been passed from company to company. XX/XX/2015 we were issued an insurance check for some minor damages the check was sent to DiTech for there endorsement. We submitted all the requested documents pictures, receipts, notice of repairs completed. We have met all requirements. DiTech refuses to release the balance due us.All repairs have been completed over a year ago. DiTech is trying to force a conflict between us and our insurance company by insisting the adjusters estimation of damages is not extensive enough therefore they are entitled to keep the balance of the check.We believe this is an attempt to force us to use there insurance provider at a significant increase in the premiums. To date we have payed over {$90000.00} on a {$31000.00} loan to XXXX different company.We believe we are being exploited by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I was contacted by a representative and was told that I needed to pay for a credit report. The very next morning I tried calling to cancell and was not able to speak with anyone. When I was contacted today by a representative from thier company I told him that I had been trying to cancell and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently applied for a Chase XXXX XXXX card. In the contract, Chase stipulated that if a certain amount of money is spent within the first 90 days after account opening, then there will be a reward. This reward is XXXX of the primary factors that convinced me to apply for this card. 

However, what Chase does n't say is that " account opening '' means " the instant you are approved for the credit card ''. The 90 days begins ticking immediately, despite the fact that they have n't even sent a copy of my contract, the credit card, and I have no way to spend money. How is my account open if I do n't have a card or a number, and I ca n't spend money? 

I would argue that Chase should clarify in its contract that " account opening '' is actually " credit card approval '' and extend the rewards deadline until the date that the credit card is received in the mail or activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: IN

Complaint narrative:
I took student loans out to help pay for college and my living expenses while attending college. Since I graduated, I have been on an income-based repayment plan. I have paid the amount due every month. My family has grown in size and it has been difficult to pay any more on my loans besides what was figured with the income-based plan. My loans have grown to almost {$20000.00} more then what I originally borrowed. I feel that this is extremely unfair because I was paying what has been expected of me. These loans have been in negative amortization almost the entire time I have been paying on them. I feel that this is predatory lending because I did not realize this would be allowed. I understood that I would have to pay back the amount I borrowed, plus some interest, but I thought that by making the payment that was expected of me that my loans would not grow this exponentially. I am so sick to think that I will owe so much more then I ever borrowed.

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 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
With response to my claim # XXXX, I have made payments on the due date, and now they have increased my payment. I am not even making minimum wage and they wo n't help me. They told you that I needed to re submit the forms, but I have done this 3 times now but no reply. I stated this to you to dispute their last response, but I have n't heard any reply from you. I ca n't even buiy food for my XXXX sons because I do n't work XXXX hrs nor do I make minimum wage. Someone please help me!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my Chase/XXXX credit card, open since XX/XX/XXXX, was transferred to XXXX, along with my specified {$13000.00} credit limit I worked to maintain. 
When applying for a new Chase card I was denied retaining my {$13000.00} credit limit even with a FICO score of XXXX, I guess because it transferred too, without notice to me and without my permission. I have always paid in full at the end of every month and have never been late so my record is remarkable. 
I do not plan to use a XXXX credit card at all or ever. 
I want restoration of my {$13000.00} credit limit to a Chase bank credit card, without XXXX, and with no penalty to my credit score or my credit standing. 
I have good reason to believe that XXXX is disclosing my personal information without them requesting proper identification from a phone caller or identifying themselves. 
This is most unfortunate and causes me personal identity concern and I feel I am " caught in the web '' of this transfer, XXXX divesting or whatever they choose to call it. The only notices have come from Chase, which has shown consideration, and nothing from either XXXX or XXXX at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
I was contacted by " XXXX XXXX '' said he was calling from worldwide recovery and claimed to be in the legal department. they are using an auto dialer.. and requesting alot of personal information.. where Im living and my building number. also, said he were collecting on behalf of EQR for a broken contract. 

I spoke with EQR and we have a settlement agreement already on the outstanding debt. and they confirmed they are not affiliated with the said : world wide recovery company or Credit Management.. 

These people call me all the time. from different numbers XXXX, XXXX, XXXX, XXXX Etc. constantly threatening legal account. they say there are court processors. and filing a case against me. they tell me there send court processors to my house and work place. and they have warrants issued for me and my employers has been verified. Etc. 

XXXX man screamed and cussed at me then hung up on me.. XXXX Way to represent the Federal Courts XXXX XXXX Processor/ Attorney. ) they never say the calls are recorded nor identify where there calling from ( only say its a personal and legal matter and address everything by their names. ) I have had my number registered over a year on the XXXX list. and these people do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my chase/visa card to purchase close to {$50000.00} in merchandise for a company called XXXX. The site is no longer functioning, I can no longer log in, costumer service email and number are no longer being monitored, and I have no means to reaching anyone at the company. I filed a chargeback with Chase but it 's been a nightmare. They are unwilling to help me and it appears there dispute department is outsourced. Its been 45 days and I have not been helped one bit. I mailed a XXXX page document of everything I was owed but I received a letter saying my chargebacks were denied. I dont know what else to do and can not understand why they are not protecting me from companies like XXXX. There are other people who are in the same situation as me, XXXX, and they have already been refunded. Chase is just unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We were issued XXXX refund checks XX/XX/XXXX for interest over charges on credit cards issued by Chase Bank USA. The refund check was due to the SCRA program. We received a XXXX XX/XX/XXXX for the refund payments. We are now being forced to pay income taxes on money that was not income but money we had paid to Chase Bank USA for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
have been a Chase United Milage plus explorer for a long time, I had no issues till recently, when I found a charge of XXXX $ XXXX in one day dated XX/XX/2016, The XXXX documented as XXXX.TX, I talked to customer service and they first told me they will send me a refund for the total of XXXX $ refund check ; when I did not see the check I called and was told that this charges are fraud and they will open an investigation on it, I kept on calling for follow up and I was told although the charge is reflected on my statement I do not have to pay util they evaluate ; on further contacts with them I was told this was not a fraud but a dispute, and they will look into it, until XX/XX/2016 I received a letter stating that I had authorized those charges, and have to pay for it! 
I am attaching the letter and the charges indicated in it for your information, Sorry about the doodles in it I did not know I will end up sending this to you, those doodles are a small part of my communications with them, I have called Fraud dept several times and dispute department several times, last call was last night with dispute department the agent connected me to the charging merchant XXXX XXXX XXXX after several rerouting we were told that those charges are not originating from XXXX XXXX XXXX. 
I have many issues here : 1 ) When such aberrant charge occurred on XX/XX/2016 x XXXX on the same day why Chase card services did not alert me? 
2 ) If XXXX XXXX XXXX states that the charges were not originated by them why the letter says that I authorized the charges? authorized who? 
3 ) Why customer service, fraud department and dispute section gave me run around transferring me from one dept to another and to XXXX XXXX XXXX? last call took exactly 2 hrs 4 ) When customers pay a yearly fee are n't we suppose to be helped rather than asked to directly talk to the merchant? 
I appreciate if you look into this and ask card services to credit my account on the total amount of XXXX $ XXXX for I have not authorized any such charges. 
Thanks Sincerely XXXX XXXX Scanned Image chase.tiff

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

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 non-monetary relief