vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have a student loan with NJCLASS, this XXXX loan has no issues and is being paid as agreed. On a separate loan, also with NJCLASS, has been placed in default and sent to a collection agency. The collection agency has been unprofessional and difficult to deal with. They have refused several requests by me of a itemized accounting of the monies paid to them by me. The next thing I recieved was a copy of a motion for judgement filed with the court. Shortly afterwards, I recieved a letter of which I was copied on requesting the court to withdraw their motion. When I attempt to communicate with them they treat me awful and threaten me with various types of actions, yet when I request documents they blatantly refuse to provide me with anything. I no longer feel comfortable sending payments that they can not provide an accounting for. I have contacted the NJCLASS and they have n't been able to provide any assistance regarding this issue. During the initial period of which they claimed to have mail bills and contact me regarding a potential default I lived a multiple addresses while trying to find permanent housing. It 's highly probable that if they did send me notifications I did not recieve them because I was without a permanent address for several months. I still am perplexed that while I maintained payments on the other loan, that they would have not been able to communicate that my other loan was in jeopardy, as I called in and those payments were made by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: VA

Complaint narrative:
On my credit report it says I owe XXXX medical bills which I know for sure I do n't because I 've always had medicaid. Plus I 'm not understanding how XXXX bills are the same amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I fell behind on the loan payments XX/XX/XXXX. XX/XX/XXXX I made an attempt to pay all back due payments. I was told the loan was in default. Important information concerning the loan status had been sent to the physical address instead of my mailing address so I was unaware of the default status and unaware that I had been approved for a Modification offer because this information was sent to an address other than the office where I receive all mail. The physical building is a small apar apartment with XXXX units and I do not live there. I sent written correspondence dated XX/XX/2016 explaining the situation and asked tha to be taken off default status and allowed to pay my loan current. 
My request was denied by letter on XX/XX/2016. I was informed that if I wanted to keep the property, my option would be to apply for a loan modification. I sent all documents requested on XX/XX/2016. 
I waited because Seterus, Inc. told me it would take 45 days to process. 
I called Seterus offices several times to check the status of the modification. I was told each time just to keep waiting that they had all documents required and that I was in process for modification. Finally on XX/XX/2016 XXXX XXXX, who is a representative at Seterus told me that our documents were not in process because they needed more information. She said it was a mistake that I was told otherwise. I again submitted more documents on XX/XX/2016. 
I waited again and each time I call to check the status of my modification I am told something completely different! I do n't know what is going on. 
I am not permitted to speak with anyone other than a service representative. There are no supervisors and I am not permitted to speak with the loan modification specialist. I want my modification package to be reviewed and accepted. It is their error that I am in a default status. They sent important documents to the incorrect address where I could not possibly receive them and therefore I did not respond in a timely manner. I do n't know how to communicate with them because each person I speak with tells me something different!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I do not allow XXXX XXXX XXXX involved with XXXX and No allow U.S. Department of Housing Urban Development involved my bank account as include new account from Chase Bank or any bank branch, it was not safety for me using bank router and bank service from XXXX XXXX XXXX. I do not happy with XXXX XXXX XXXX because of they do not like my appearances complaints. NO Allow for XXXX XXXX XXXX get involved with tenant 's bank accounts! I do not like XXXX with U.S. Department of Housing with my sad icons on rent paid because of unfit Oregon resident and bad people of employees related with XXXX XXXX XXXX discriminates against XXXX XXXX tenant in our housing issues continually with used two-faces since 1986 records. They had too stubborn and quit jobs to other places to employ avoid of my appearances and many serious reasons. 

I COMPLAIN AGAINST XXXX XXXX XXXX WITH U.S. DEPARTMENT OF HOUSING URBAN DEVELOPMENT INVOLVES WITH MY SENATORS POLITICAL LETTERS AND CONSUMER FINANCIAL PROTECTION BUREAU HARMS MY LIFE EGO, I COMPLAIN AGAINST PUBLIC E-MAIL WHICH XXXX XXXX XXXX RECEIVE THIS DOCUMENT THROUGH SECRET SYSTEM WITHOUT MY KNOWLEDGE EMERGENCY REPORT TO POLICE EMERGENCY NOTIFIES TO XXXX XXXX XXXX AND U.S SENATORS. EMERGENCY PULLING ME OUT OF THIS EVIL HOUSING! XXXX XXXX XXXX AND U.S. HOUSING URBAN DEVELOPMENT RESPONSIBILITIES FOR DISCRIMINATION AGAINST XXXX AGAINST XXXX XXXX XXXX, TELL MALE AUTHORITIES PULL ME OUT OF THIS HOUSING EMERGENCY RESPONSES : EMERGENCY FORWARD TO XXXX XXXX XXXX. I COMPLAIN AGAINST THIS HOUSING SMELLS MY FINANCIAL HOW MUCH MONEY IN THIS ACCOUNT AT THE BANK! IT WAS NOT SAFETY FOR ME USING TO LIVE IN BAD HOUSING ADDRESSES! IN ADDITION, I WAS NOT HAPPY WITH XXXX XXXX XXXX CONTINUALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We were approved for a short sale and began the process. On XXXX XXXX, 2016 we accepted an offer for amount the bank appraisal came back for. It is now XXXX XXXX 2016 and we still have no resolution. I spoke with the Bank negotiator on the phone XXXX/XXXX/16 and was told the XXXX they had received was good but the date needed to be pushed out by 30 days. I was promised that if they got the XXXX with the correct date they already had everything else they needed and the file would be submitted to the credit officer by the end of the week. The XXXX was submitted the next day. I called and left a message for the negotiater to let them know it was equator. Now we have been told the purchase agreement has expired and we have to resubmit documents, which is contrary to what I was told on the phone. We continue to have to resubmit the exactly same documents and have no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank will not let me close my XXXX account. My XXXX has been closed over 3 years ago. I have no active XXXX. It was an XXXX registered XXXX. I added my brother to the account when I opened the Chase XXXX account. When I tried to close the account, they said my brother was on it and they could not close it. I had my brother go to a Chase Bank XXXX where he lives and show identification while at the same time I was at a Chase Bank here XXXX, where I showed proper identification. We had a conference call with XXXX parties on the line and Chase Bank still refused to close my account. There has been no activity on my account. They keep deducting {$12.00} monthly from the funds I have left in the account. I want to close my account. Please help. I do not know what to do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is reporting a 90 day late on my credit report. I do n't believe this is factual. I have consistently sent in my documents to defer my payments since graduation school. I have written them over 3 times to see documentation of this 90 day late in XXXX 2012. 
The worst part is that they are reporting all of my loan separately and that makes it look like I was late on over XXXX credit accounts. : - ( I feel this is unfair as I am trying to purchase a house and get a car and this is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX : reported my Mother 's death to Chase Card Services, pending refund to be sent to XXXX ; followed up on XXXX ; XXXX ; XXXX -- Have not received money owed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I have had XXXX phone calls from Paragon Revenue XXXX for a lady named XXXX. I have told them I have no clue who she is and told them to delete my number. I have been hung up on three times. They would not allow me to talk to a manager. I understand that this is a high stress job but am disgusted that this company is being represented by very rude employees. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have received a " Loan Estimate '' from a lender, as shown on your website : http : //www.consumerfinance.govXXXX The lender is including {$3800.00} under the " Adjustments and Other Credit '' in the " Calculating Cash to Close '' section ( show on page XXXX of ever Loan Estimate ). 

I called them and asked them what it was and and they told me that you required them to disclose it, and it is extra tax money they pulled from a data base. Is this true? What can be included in the " Adjustments and Other Credit '' area of the Loan Estimate? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
RE ; CHASE HOME FINANCE - LOAN # XXXX This is my last and final attempt to get help avoid foreclosure. It is now over 3 years since i requested for Chase to help me avoid foreclosure under a HAFA Short Sale. After XXXX different realtors working on my request, Chase keeps playing games stating that i need to hire a new realtor in order for them to review my account for a HAFA Short Sale. 

Now this is the XXXX realtor that i hired, an application was provided again for the 8th time. Chase now is telling me that my application was received since XX/XX/XXXX however the processor ( XXXX XXXX - XXXX ext XXXX ) who is reviewing the file is out on vacation since XX/XX/XXXX and they dont know when is he returning from vacation. 

Im not sure if thats a reasonable answer but this is ridiculous that after 3 years trying to get this HAFA Short Sale approved. Chase keeps getting away with this excuses. 
please help since i feel that Chase is just purposely delaying my application so the program can expire and foreclose on my home. 


XXXX XXXX

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

Complaint narrative:
I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report. Where are my rights here? I want to settle but I can ; t but no one keeps them from still hurting me as a consumer. This is 6 years old now. The Chase Judgement is for {$9800.00}, case # XXXX filed XXXX XXXX, 2010. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase charged XXXX overdraft fees for XXXX check for {$1200.00} that overdrew the account. The acount has reverse positive pay and the item should have been pending for review before payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}. 
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months. 
My son is in XXXX and is not working, and we do not have the money to pay it off for him. 
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off. 
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay. 
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
When the Public Service Loan Forgiveness program was announced, I contacted my loan servicer at the time ( Nelnet ) and asked to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. I was working at a 501 ( c ) ( 3 ) NGO at the time. I was told that my loan type and repayment plan were eligible for the PSLF plan and did n't need to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program. Around XXXX I was told by Nelnet that I currently did not meet the qualifications for the PSLF and needed to consolidate my loans to a different servicer under the PLUS program to continue eligibility. I ended up getting a consolidated loan through XXXX and then was transferred to XXXX. I told them specifically that I wanted to be eligible under the PSLF program as I am employed by the XXXX and was put on a graduated repayment plan and told that it qualified for the program. In late XXXX I sent in paperwork for the PSLF for the 501 ( c ) ( 3 ) organization I worked for, and then one for the XXXX I have been working for for the past 7 years. After submitting, I got a notification that I was being again transferred to a different loan servicer. Today I got an email stating that I needed to select a different repayment plan because the current plan I was paying under ( and was told previously that it did qualify ) did not qualify for the PSLF program. I called the new loan servicer ( XXXX - XXXX ) to inquire what has happening with the loan. I was told that NONE of my payments since XX/XX/XXXX qualified for the PSLF program. I found out I was given incredibly incorrect information by both Nelnet and XXXX in repaying my student loans. After paying these loans for the past 9+ years, on time each month, under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest. I feel that because I was told this information by an approved servicer that these years worth of payments should be applied to the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Mortgage Company EMC has not complied with the stipulations outlined in the settlement of FTC FILE # XXXX Pgs XXXX of PDF. They failed to correct my escrow account which is clearly miscalculated see pgs XXXX-XXXX of PDF and filed false documentation with the IRS in regards to what they actually received from me See Pgs XXXX-XXXX. They refused to answer the Pennsylvania Banking commisons questions regarding these XXXX matters See Pg XXXX of PDF XXXX line. They excluded me from any settlement monies. Gave my loan to a collection agency XXXX XXXX XXXX without settling the dispute See pgs XXXX. They then told me there was no more settlement money, but they recognized their mistake and would satisfy my loan See XXXX XXXX,XXXX of PDF. Yet they still report this incorrect amount to both XXXX, and XXXX. XXXX. They do not report tis to XXXX. EMC sold my loan to chase. The resolution I want after 10 years of being taken advantage of is this debt totally removed from my credit history. I want them held accountable for violating the FTC settlement which precludes them from misrepresenting the amounts I owe, not compensating me, Violating my rights in regards to the FDCRA by reporting a amount they know is inaccurate. My Escrow Disclosure Statements for XX/XX/XXXX and XX/XX/XXXX do not match my Annual tax and interest statements as they should see pgs XXXX-XXXX of PDF. My rights are being violated and my credit has been damaged for years. First and foremost I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
We requested the SCRA military relief act to be applied to our credit cards through Chase. Chase has denied the benefit stating the benefit does not apply to our card because my husband is only an authorized user on the account and is not liable for the account. They further stated the law does not apply because we live in Vermont. All of our other cards had no problem and promptly gave us the SCRA benefit on our account. We believe we are eligible for this benefit and Chase is breaking the law by not extending this benefit to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: NM

Complaint narrative:
I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX. 

Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX XXXX called me at XXXX PST. Calling about my second mortgage. I am one month ahead in paying my bill and been harassed before by XXXX at XXXX.

Company response to consumer: Closed with explanation