vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. 
I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. 

This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: COMMONWEALTH MORTGAGE, LLC
State: IL

Complaint narrative:
OnXX/XX/2016, Irefinanced my existing mortgage and closed on a new loan with Commonwealth Mortgage , LLC in the amount of {$250000.00}. 
The rates and associated closing costs that Commonwealth initially provided me changed after multiple times after committing to proceed. The Closing Disclosure paperwork at Closing did not match any I had seen to date - nor did it match the final version I had signed off on three days beforehand. 
Both prior and after receiving the final disclosure to review on XX/XX/2016, I was concerned with its accuracy and both called and emailed multiple people at Commonwealth who encouraged me to sign off without clarity implying that a potential discrepancy was likely do the payoff schedule dates. ( See attached correspondence reminding me of potential loss of deposit ( {$500.00} ) if not signed off on. 
Since closing, XXXX DID ADMIT that there was an error in my loan estimate and I 'd be receiving a refined based on their oversight. Commonwealth then informed me that they would be seeing my loan to XXXX XXXX XX/XX/XXXX XXXX. 
The notices I received from both lenders regarding loan transfer on XX/XX/2016 reflect different principal amounts ( Commonwealth shows a principal balance of {$250000.00} and XXXX shows {$240000.00}. 
More importantly - both lenders amortizations schedules differ from one another - and neither adds up to the amounts associated with the total proposed to pay over the life of the loan ( or principle/interest/TIP ) on ANY of the Loan Estimates or Disclosure Estimates provided throughout the process of refinancing - or at closing. 
To-date I have requested, a revised final closing disclosure multiple time that matches an amortization schedule and have not received either. Because my initial payment on the loan is due this month - and it 's more than two months after the date of closing, I 'd like assistance in reviewing all of the documentation I 've compiled to support this timeline in an effort to get clarify, revised paperwork and possibly revised rates to reflect what was initially quoted to me in order to secure the loan. 
I look forward to someone 's reply and hopefully a resolution to the lack of clarity and accurate documentation associated with my new loan. Please advise if there 's someone I can send a more detailed summary with emails/rate estimates/disclosures and closing documentation, which outline ( and prove ) the oversights relating to refinancing with Commonwealth Mortgage. 
In addition to my address, I 've also included my phone and email. Thank you in advance for contacting me at your earliest convenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My business checks were stolen and I contacted the customer care department to request that I get a new account number. I was told that I need to pay {$30.00} for a stop payment on the checks that were stolen and that I had to go into the branch to get that done. I went into the branch on XXXX XXXX, XXXX, Georgia and was told that every member that is listed on the business with the XXXX of XXXX had to be with me when all of the members listed on the business are not listed on the bank account. I explained about the checks being stolen and was told that was the only way I would be able to get new checking account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I fell behind on my mortgage after my income was reduced because I was in real estate when the economy crashed and my income drastically decreased. I applied for a loan modification recently and I know I qualify for the Making Home Affordable Program after running my scenario through the online check my NPV web site it came up positive. I also hired an attorney to assist me with the process and they advise me that I qualify for the HAMP program. I am being told that the only reason I am being denied by Chase is due to the fact that Chase is refusing to accept a rate lower than 7.50 %. For this reason my loan is essentially being blocked from receiving assistance. My attorney states Chase can and should contact the investor or upper management to ask that the override that is evidenced by the " Y '' in box XXXX of my NPV chart ( Attached ) be removed on an exception. A rate of 7.50 % is excessive and to demand a modified rate of 7.50 % when the HAMP program offers assistance in subsidized rates as low as 2.0 % is truly excessive. I feel Chase only wants to take my home when I actually qualify for the HAMP program. I am also told that Chase 's participation in the HAMP program requires them to make an effort to get an exception to remove the " override '' attached to my loan allowing a lower rate than 7.50 %. My attorney and I both feel confident I will easily qualify for assistance if Chase did this and obtained an exception to remove that block. I feel Chase is basically blocking or evading the HAMP program approval

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am not able to make a mobile check deposit.

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

Complaint narrative:
This is an issue with Chase credit cards regarding payment in full and continued interest charges. 

My XXXX statement ( XXXX/XXXX/16 ) with a due date of XXXX/XXXX/16 showed the balance due to be {$6700.00} I sent a check in the amount of {$6700.00} to pay off my bill. 

My XXXX statement arrived showing a posted payment of {$6700.00} on XXXX/XXXX/16 and a New Balance of {$44.00} due on XXXX/XXXX/16. This charge posted to my account on XXXX/XXXX/16. When I called Customer Service to inquire about the charge I was told ( not very politely ) that I am charged a " very valid interest charge ''. When I asked for a Manager, I was sent to XXXX XXXX in central Florida who again told me she can not waive the fee because it was a valid charge. Frankly, I was spoken to as if I never paid my bills and I was not worthy of any good faith. 

I am confused about the policy and unhappy with the treatment of card holders and wonder why such a big bank is willing to lose loyal card holders over such a small discrepancy. 

I am also confused as to why the reps and managers I spoke with gave me a very different answer regarding interest than the question and answer i found on the Chase web site when I searched for an explanation of interest charges. This is what I found : Question : How can I avoid paying interest? 
Answer : You wo n't pay interest charges on credit card purchases if you pay your New Balance every month by the due date end time. This is called the interest-free period on purchases. Balance transfers, checks, cash advances, and overdraft advances do n't have an interest-free period. On these transactions you pay interest on the balance until they are fully paid. 

I am hoping you will review my complaint and waive the questionable " valid finance charges '' of {$44.00} Thank you for your time. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is not responding to my request. 
Chase bank continues to mis calculate my Escrow and I believe they are mis applying it to someone else account. every year for 3 years they have increased my escrow and its not because of an increase in insurance or taxes. it has been all about a shortage. 
They have not responded to my request for a detailed outlined as to when my account was first miscalculated and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I obtained this loan in 2000. The interest rate was to be a fixed, stated a fixed but jumped. Also, fees were included XXXX. The company after the condo was sold, started calling and making threats. I would like all my money back, every penny. I have many complaints to file because believe it or not they are somewhat related.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX I made my XXXX mortgage payment ( XXXX ) on line with Chase Bank. On XXXX, I received a notice from my bank ( XXXX ) that my checking account had a negative balance of XXXX. I reviewed my account and Chase Bank had taken out XXXX payments, instead of XXXX. I contact them on XXXX and was told that XXXX could not be credited back the same day. But it would be back in my account on XXXX on XXXX the funds had not been put back into my account. I contact Chase and was told that, because the entire amount of XXXX was not being return, then I would have wait for a paper check to be sent out. I advise the associate to transfer me to a manager, she confirmed that her manager would speak with me, but she was ending a meeting and would take the call. She then came back and advise that her manager advise her that she would need to call me back. She provided me her manager 's phone number XXXX, but I did not understand the name. I then left a voice message for the manager, as she had requested. I called the manager back and received her voice mail again, I explain to her that my account was in negative and that I need to confirmed that funds would be credited back to me today. I then advise that I would be filing a complaint with the CFPB and that I would also being sending an email to the CEO.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have had a mortgage loan with Chase since XXXX. I have made payments on time and have been current on the mortgage for several years. I have cancelled checks to prove it as well as statements from Chase. Chase however says I am XXXX payments behind from XXXX. I sent them a letter and documentation showing all payments were made and on time. After XXXX weeks, they sent me a letter that actually I was late in XXXX and that for the past several years, they have been putting my payments in a suspense account and periodically took money from suspense to pay the loan. I was never told there was such a suspense account and was surprised since I was current with payments for years. In a nutshell, they set up a suspense account without telling me and while my statements from Chase said they received my payments, they did n't tell me they were applying them to some suspense account instead of applying them to the loan. Because they believe I am XXXX payments behind, they returned my XXXX XXXX payment because they want XXXX payments in full. I explained I made all the payments and do n't owe them that money. The customer service rep. has only returned XXXX of the XXXX calls I placed to her and did n't have an answer for why there is a suspense account. She would not take all my cancelled checks for XXXX but I faxed them to Chase anyway. This has been going on since XXXX XXXX. Chase needs to find the missing money and apply my payments to my mortgage and not to a suspense account. And they need to tell the credit bureaus I am and have been current on my loan. And they need to reverse the late fee they applied in XXXX since I was n't late. And last they need to let me make my payments as I have been doing for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
As a Chase XXXX XXXX XXXX Visa card holder, I was solicited by Chase around the XXXX to invite my friend/family to apply the same credit card. I was promised for each approved Visa card, I 'd get XXXX XXXX XXXX miles. I gave my fiance 's name and her email to Chase. And soon after, she started to get a few emails from Chase ( She had never done any business with Chase before. ). She used one application form from Chase with my XXXX mileage number ( XXXX ) on it to apply and got approved for her Visa card. But the XXXX miles as my reward have never come. I started to call Chase in early XXXX and spent countless hours with different service representatives. But Chase refuses to keep its original promise of XXXX XXXX miles and also refuses to send me copies of the referral form I submitted and the Visa application form submitted by my fiance. This shows how arrogant and dishonest a big bank like Chase treats little customers nowadays. 

My Chase Visa card that Chase solicited for its business : XXXX My fiance 's Chase Visa card as a result of my invitation : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I bought a washer dryer from a XXXX store on XXXX/XXXX/16. The washer was defective and flooded my cellar with water. On XXXX XXXX, 2016 the washer dryer was returned and a refund was promised within 2 days. Today XXXX XXXX XXXX, 2016 XXXX, I went into the store to demand my money. After 2 hours of waiting while they looked at their records, my XXXX debit card was swiped - once again an immediate refund was promised. 

When I arrived home I called my bank ( Chase ), as no credit appeared on my account. My bank will not help until a full 15 days have elapsed from the time of my complaint. So my bank ( Chase ) is participating in a scheme to hold over {$1000.00} for over a month for a product that was defective, damaged my house, and has been returned. They claim the 'XXXX rules ' demand this behavior. 

Imagine if I pulled into XXXX XXXX store and loaded up a washer a dryer and drove off with it without paying. Would I have 15 days to pay for it before I was XXXX? OF COURSE NOT! 

Start providing some 'justice for all ' instead of just cash holding for all your banker friends!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was trying to use my chase card at a bakery on XXXX/XXXX/15 in XXXX and discovered my charge card was declining my transactions. Chase card company texted and called me to inquire about the unusual activities they spotted on my card. I informed the chase representative that those are charges on my chase card not mine and they are unauthorized, therefore terminate my card. The chase representative then asked me, when was the last time I used the chase charge card? I explained to the chase representative that I used the chase card on XXXX/XXXX/2015 at several stores in XXXX, XXXX. I did not use my chase card in XXXX nor XXXX to purchase apparel. The chase representative stated that he will forward my disputes to the chase claim department and they will provide me refunds on the unknown charges to my chase account. The chase representative also stated that I will be receiving a new chase card in the mail. I thanked the chase representative for his assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a debit card only account with Chase and it was impossible for me to have insufficient funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had XXXX credit cards with Chase bank. All XXXX were closed by Chase for " business reasons ''. No late payments all payments on time and they closed my accounts. 
I contacted them and no one could give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Prior to making some overseas trips, I consulted the chase.com website to determine if my credit card had foreign transaction fees. 

I logged into the secure section of the website to ensure I was accessing my information, and under my credit card account, under the things you can do area, the first item was view my card benefits. When clicking on that, I was taken to a page ( I have the screen shots taken afterward ) that clearly states that there were no foreign transaction fees. 

After using this card for purchases on my trips, I was charged secure transaction fees totaling about {$40.00} US Dollars. I have two other cards that also do n't have these fees that I could easily have used. 

I have since been working directly with Chase, via their secure message system, to reverse these charges. They refuse to acknowledge that their website directs me to this page ( which i have screenshots that it does ) and they claim that the agreement I signed calls for these fees. I asked for a copy of my agreement - they said they do n't have it because I filled out my application online. I have all of these messages. 

I asked for a payoff balance so that I could close the card and they refused to provide it. I have these messages as well. 

I would like help in forcing them to close my account, and ideally, to refund these foreign transaction fees, that they are falsely advertising on this card. 

Despite this, after several secure message exchanges with Chase, they res with Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My bank is obligated to dispute charges that I report, and they have repeatedly refused to do so.  As their customer, it is the bank's job to advocate for me as their customer.  The charge I asked them to dispute took place on XX/XX/2015 in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I 've been paying a student loan since XX/XX/XXXX. The original total loan amount on XXXX/XXXX/XXXX was {$17000.00} ( {$5800.00} & {$11000.00} ). I was consisted through XXXX XXXX had some financial issues, my loan went into default, corrected that and by XX/XX/XXXX was paying my loan consistently. Throughout my loan repayment, more money has been going towards interest than the principal. Prior to default in XX/XX/XXXX, I paid a total of {$7500.00}. After default, my balance was {$14.00}, XXXX. Payments from XXXX through XXXX has been {$6000.00} and my outstanding balance on XXXX/XXXX/XXXX was {$14000.00} prior to a {$200.00} payment. After this payment my balance is now {$14000.00} more than it was after my default in XX/XX/XXXX. Only {$60.00} went towards my principal. Please help me get out of this situation. I 've paid a total of {$15000.00} towards my student loan already and getting nowhere. It 's been 10 years of XXXX, and despite unemployment, divorce, salary cuts, and now a child in college my loan is still not paid because Nelnet is not distributing most of the payments towards the prinicipal. If you look at the documents attached of screenshots, for some month nothing goes towards the principal or like last month only {$1.00}. Please help me, I work as a teacher, my salary has been slashed or frozen for the last 5 years, and currently XXXX and now have a son in college. I have XXXX a total of 3 years at a XXXX. I 'm also very worried about saving for my retirement. This has been never ending and worrisome. 
During my default, I filed a complaint to CFPB and received assistance and would like assistance for this issue which contributed to my default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Federated Law Group
State: FL

Complaint narrative:
Federated Law group harrassing to collect a debt they purchased from their client, XXXX XXXX, XXXX closed the collection last year and it is no longer in my credit report, federated law group sued me and is demanding I pay back the debt plus court fees, I did not go to court ( 2013 ) so the judge ruled in their favor

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