vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 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: NY

Complaint narrative:
My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My car is financed with Chase, I bought the car on XXXX/XXXX/14 and my first payment was made on XXXX/XXXX/14. I went into XXXX XXXX XXXX XXXX XXXX to open a secured loan and credit card in an attempt to rebuild my credit, the Manager told me the car was not on my credit report and advised me to go contact them to get them to report the car, I went into the XXXX Branch XXXX and they called the credit department with auto and I spoke to someone and he assured me it would be taken care of in no later than 6 weeks, I called after the new year to check on the status and spoke to XXXX XXXX XXXX ext XXXX went thru the whole story to explain, she told me the problem was with XXXX and I was to call them and get it put on the credit report, she gave me all XXXX reporting agencies phone numbers, I called XXXX XXXX and was told it they could n't do anything about it, it was Chase 's responsibility to put on my credit report and they were the only XXXX that could. I called Chase back and spoke to XXXX she said she would look into it and call me back, she called me back and said they could not put the trade line on XXXX XXXX and that they pulled it off of all the bureau 's I did n't know it was on any. So now I requested her manager and was told XXXX XXXX would be calling me, I waited 2 days and no one called me. So I went into the Chase branch at XXXX XXXX XXXX, XXXX, La. XXXX and spoke to XXXX XXXX ( branch manager ) AND explained again she called credit department and after several departments she had to speak with we got XXXX XXXX on the phone the same person that never called me, she said there was something defective with getting it reported to XXXX XXXX, and said Chase decided to pull the remaining agencies. I requested all XXXX to be reinstated and she said it would not because I had requested the Corp Office address of Chase and I could call them.I did tell XXXX that I have never heard of this happening and asked for the XXXX address to report it to and FTC and the Consumer protection agency, due to I pay my loan on time every month and can prove it, I feel as a consumer my rights are being denied.I am a single person trying to rebuild my credit from Foreclosure and Bankruptcy. I am in the process of opening a new business and this is very important to my credit score. This car was bought after the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: MI

Complaint narrative:
Contacted my place of employment Spoke with my supervisor XXXX who asked them not to call again and called back and spoke with my coworker and discussed by account and how they are pursuing legal action, they have my contact information and still are calling third parties including my job, my grandfather and auntie and discussing my debt with them, When i contacted the company they then told me that he told them i was not paying th edebt when thats not what i said,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
A couple of years ago I helped a friend and cosigned a vehicle. He and I purchased an XXXX XXXX. Now that my friend is now struggling to make payments, a lot of late payments has affected my credit. I have educated myself on learning more and more about credit repair and have been doing whatever I can to maintain good credit. Unfortunately my friend, XXXX who purchased the car with me, has been struggling to make payments. It was my fault for not properly reading the documents and just signing on the line. I now am trying to help him payoff the vehicle and I tried to get the vehicle refinanced. Unfortunately I was denied twice due to the vehicle being a negative equity. As I read the payoff balance, and I now understand interest rates I believe this bank did, and has been taking advantage of the low income population. XXXX and I have been paying a 17 % interest rate on a XXXX loan. And from the document I see they are charging {$7.00} dollars of interest a day. I do not think this is a normal tactic. I 've reached out to Firstbank countless time for help and they refuse to help me. I have thought about the different ways to get myself out of my situation, but I have too much integrity. There is no possibly way I can refinance the vehicle with its current balance, and I am stuck paying this high interest. This is not a normal percentage of interest, and because of the value of the vehicle, and the interest rate, and the term of the loan, this was without a reason of a doubt, destined to become a negative equity, and the bank knew this from the beginning. Not surprisingly I was promised lower interest rates after 6 months of payments and that never happened. I see no end to this loan, I will be repaying this for the rest of my life. The bank has the control, and refuses to help my situation. Although payments were late, we are up to date, and it 's extremely unfortunate of the sleezy tactics these financial institutions use. I 'm only XXXX years old, and am contemplating bankruptcy, something I do not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
iN SHORT, THE ISSUE INVOLVES THE MORTGAGE WITH OUR BANK, CHASE. WE WERE GIVEN A LOAN MODIFICATION A FEW YEARS BACK, AND HAD BEEN MAKING THE PAYMENTS UNTIL XXXX OF XXXX. AT THAT POINT, WE BEGAN THE PROCES OF ANOTHER MODIFICATION AT THE BEHEST OF CHASE ECAUSE OF A CLASS ACTION SETTLEMENT. ALSO, THE PAYMENT WAS SET TO GO UP IN XXXX OF THIS YEAR AND NOW HAS, AND WILL AGAIN IN XXXX ( I THINK ) OF XXXX. WE COMPLIED WITH EVERY SINGLE REQUEST THAT CHASE MADE AND WERE DENIED. WE THEN RETAINED A COMPANY/PARALEGAL TO ASSIST US IN THE PROCESS AND WERE TOLD IT WAS DENIED AGAIN. WE ARE CURRENTLY UNDER BANKRUPTCY PROTECTION BUT THE ARREARS IS PART OF OUR PAYMENT PLAN AND WE WERE ABLE TO MAKE THE XXXX XXXX PAYMENT. HOWEVER, THE HOME IS STILL TECHNICALLY IN FORECLOSURE. WE THINK CHASE IS GIVING US THE " RUN AROUND '', IN TERMS OF REQUESTING THE SAME INFO OVER AND OVER AND THEY ALREADY HAVE A FOREGONE CONCLUSION OF DENIAL. ALL WE WANT IS A PAYMENT WE CAN AFFORD. THE LOAN WAS ORIGINALLY OBTAIN IN XXXX AND WE BELIEVE THOSE CIRCUMSTANCES WERE SOMEWHAT SPURIOUS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received an unsolicited credit card from Chase and called them to demand that it be cancelled and make sure it is not added to my credit report. I called the XXXX credit reporting companies to report, but had difficulty with their phone menu. I reviewed my current report via the free website and did not see the card listed, but there was an inquiry from Chase to my account on XX/XX/2016. 
Chase said someone from their fraud dept would " reach out '' to me, sending some document that I was to complete and return to them. That has not come. I wrote a letter to Chase and the XXXX companies which I will attach to this complaint, if possible, insisting on a written statement from Chase that the issue has been fixed and asking for a security freeze on my report with the XXXX companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I completed a total of XXXX balance transfers from Chase to XXXX XXXX account. The XXXX XXXX transfers with no transaction fee charged, however during my XXXX balance Chase charged {$190.00}. Chase claimed my account has a two month window to do transfers, since the card was opened in XXXX 2015 and the XXXX transfer was made in XXXX XXXX, 2015. I do n't recall see the disclosure that states about two month window for balance transfers. I offered to pay back the balance transfer ( {$6500.00} ), Chase declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank has put a dispute on all XXXX credit agencies. I have tried to determine what the dispute is for ( we are not behind or late and we are not disputing the balance ) they have not been able to give me a straight answer for this either. The best excuse that I have got from them is ( we filed bankruptcy in XX/XX/XXXX but Chase was not included ) that because of the bankruptcy they automatically put a dispute on the accounts. They want us to reopen the bankruptcy and refile with the bank to remove the dispute. 
All we need is a letter saying there is no dispute, we are trying to refinance with a HARP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Amazon purchase XXXX was a purchase of XXXX, minus promotion XXXX, minus rewards points of XXXX. Receipt total {$8.00}. I was billed ( not pending ) {$23.00}, the item has not shipped. Amazon says it will change when shipped to {$8.00}. So until then I have a charge on my account for the full amount, assuming the change the price and issue a credit to my account. Amazon thinks this is a normal practice, the credit card can only dispute the charge. I do n't think this is legal, but I could be wrong, someone is making money on this money in " limbo '' and someone is paying for it. Please feel free to call me if required XXXX, Please let me know what will happen. Please fix this practice it 's just not right!

Company response to consumer: Closed
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
we have a mortgage loan with Chase finance and we had some hardship in 2014 and got behind on our mortgage and applied for a loan modification. it took months to get the modification. the result was that our payments would go from XXXX dollars to XXXX dollars for six months to payoff or get caught up on payments. now they are saying that since back in XXXX that I did n't get the acceptance letter in back to them in time that they are no longer going to accept any more payments, after already accepting at least one payment unless I pay XXXX dollars to pay for 3 months and they are saying that my house can go into foreclo we at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was laid off from my job about 2 weeks ago. So I called Chase Auto Finance to see what options I had. But also to see if my loan payment be extended 30 days. Basically, place my next month payment to the end of my loan ; thereby giving me an extra 30 days grace period. My request was denied because I have no job. I XXXX to him that by not granting my an extension, they are forcing me to default and eventually repocess my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: TX

Complaint narrative:
I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). 

I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. 

I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. 

The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. 

This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sirs, I appreciate your attention with this matter. It has to do with a computer my daughter and I purchased from XXXX. It was found to be a three year old used computer so we immediately sent it back. They kept the computer and never refunded our money of {$330.00} After many hours of being on hold with several unsuccessful attempts to speak with a XXXX representative, we finally wrote them inquiring about the refund. They responded with a simple statement that they have now closed my XXXX account. They have given no further communication. 
We then notified Chase Dispute Department. Chase eventually denied our request. XXXX had stated they never received back the computer. Upon calling the Dispute Department as to why it was denied the representative stated our case seemed valid and suggested we reapply with a another dispute request and attach the tracking proof. This we did providing even the name of the employee who signed for it ( See Attachment ). Yet this dispute was also eventually denied. Upon calling the Dispute Department once again, as to why it was denied, this representative also felt that XXXX wronged us and suggested we again send in a dispute request. This we did and it again was eventually denied. A Chase representative, XXXX, wrote to us with this statement, " The results of my review confirm that the transaction is valid '' She continued, " Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' This is why we are requesting the help of CFPB. 
-XXXX clearly misrepresented there product. 
-XXXX clearly stonewalled any communication that would enable the matter to be resolved. 
-XXXX mislead Chase into believing they never received the computer. 
-XXXX has our money and we have no computer. Yet XXXX states " the transaction is valid ''. 
How is this a valid transaction? 
In the 7 years that XXXX is listed with the XXXX they have almost 3,000 formal complaints against them. Many of these complaints speak of the fraudulent misrepresentation of their products. The vast majority reflect XXXX almost complete disregard to correct any of its errors committed against their clients. Of the 22 years my wife and I have been with Chase we believed you to be a force to help protect us from fraudulent practices. We have directed our young daughter whose account is listed here to believe the same way. Please help us! Please get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: HI

Complaint narrative:
My initial complaint is with XXXX XXXX and their relentless tactics to scam money out of consumers. XX/XX/XXXX, I had a contract with XXXX and during their months long data outage for the Side-Kick phone, I called customer service to cancel my contract due to the service I was paying for at the time not being provided. XXXX canceled my contract WITHOUT fee due to this issue and I switched to XXXX. Years later I was slapped with a collections notice with no bill or notification whatsoever from the initial creditor. Last year, I disputed this collections claim with XXXX credit reporting agency and the charge was dropped. Now another collection agency has picked up this charge except changed the date to reflect a more current balance, which is XXXX violations against the FCRA and FDCPA. They alleged that my first date of delinquency was XXXX XXXX ... .however I had not been a XXXX customer since their data outage in XX/XX/XXXX. I was living abroad during XX/XX/XXXX-XX/XX/XXXX and during this time was a consumer of foreign mobile subscribers so to claim I had an active XXXX account in good standing prior to XX/XX/XXXX is a complete fabrication. They have not been able to furnish any billing or invoice information to attest to their presumed debt which is why at this point I am fairly within my rights to sue both XXXX XXXX and the debt collection agency for selling/buying this erroneous debt years after the account was closed, reporting negative credit information passed the statute of limitations, as well as for falsifying dates of delinquency to allege that this is a legitimate debt.

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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was traveling abroad in a remote area XXXX 2015. Prior to my trip, I contacted a Capital One customer rep to help me set up a future automatic payment while I was abroad, as I anticipated I would not have easy access to internet. When I returned, I realized the payment had not gone through and they filed a 30 day late payment for XXXX 2015. I believe that this is an error on the part of the Capital One rep, as he set up the automatic payment incorrectly.

Company response to consumer: Closed with explanation