vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XXXX XXXX, I was contacted by First Mark Services concerning my private loan. I XXXX from XXXX school on XXXX XXXX, XXXX. Immediately after XXXX I requested a grace period of 6 months after XXXX to begin repayment. A representative, XXXX XXXX from First Mark Services indicated that their records reflected that I used the grace period during the period of XXXX XXXX through XXXX XXXX. However, during that time period I was enrolled in school and did not use that grace period for repayment as I was a XXXX student and not required to make payments on the loan during that time. At the time, I submitted the form to nelnet loan company it was accepted by the customer service in XXXX. 

I submitted the same form that during that time I was enrolled as a XXXX student in school ( XXXX in XXXX ). Upon submitted the form I found that without further evaluation or confirming my enrollment they denied my request via the indicated form. 

Desiring to resolve this matter I then requested to reduce my payment amount to {$50.00} a month since I am currently unemployed and preparing for resident matching this summer, XXXX. After several email exchanges with XXXX XXXX, it was concluded that I could make $ 50 monthly payments until I became employed and was able to make the full monthly payment amountIn my email I stated that I will be able to make {$50.00} now then 2 weeks later I will be able to make a payment of {$100.00}, then afterward I will make auto pay of {$50.00} a month. I made my XXXX payment of {$50.00} then he contacted me and indicated that I will need to start making full payments and denying that he agreed to reduce my payment to $ 50 monthly. 
I felt I was really misinformed and misguided by the company. At the same time, I felt I was robbed of my grace period. 
I am trying hard to work things out with the company while the company is not even doing the minimum to help me. They are not even meeting the minimum requirements as indicated by law to completely inform me. They are using short answers that have misguided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
This is about Chase Bank. I wrote my roommate a check. We called to see about placing a stop on the check on XXXX/XXXX/2015 because I did not want it to make my account negative. The rep said there would be more fees accrued if the stop was placed on the check, and to have my roommate write a check to counteract it. We called XXXX seperate times before we ever deposited it, making sure it would n't be an issue. We were guaranteed it would go through since the roommate would have a positive balance in the account, but it would be overdrawn after it clears. He received a returned check fee, but the check went through on my end. My account was positive, the deposit was accepted. The rommate called the morning of XXXX/XXXX/15 and talked to a " specialist '' at Chase Bank. Told her that he received a returned check fee, but the check deposited in my account. She never, NOT ONCE, stated that the check was going to come back out of the account. Now they are telling us there is nothing we can do, it does n't matter that we were given wrong information that completely ruined my bank account. All they would do about the reps not giving us correct information is " file a complaint '' How many times do we need to contact a bank prior to depositing a check to make sure this is not going to happen? Is Chase not held liable for their actions and wrong information? Now I have a negative bank account that is going to take my entire paycheck to resolve and Chase will not give me ANY solution to the problem. My livelyhood is a stake. I have no idea how I am supposed to get to work with no funds to even pay for gas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid off a credit card from Chase Visa and they sent me a bill for {$13.00} on a XXXX balance. Also they charged 27.99 % interest on XXXX and 29.99 % on another and refuse to lower them both Chase Visas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX/XXXX/2015 my now ex wife modified a home loan ( 1st and 2nd ) through Chase Bank. She succeeded in obtaining a HAMP modification on our loans which extended the life of the loan which I did not approve. We were not divorced at the time however, we were legally separated. And would not become divorced for another full year. In the loan documentation, it specifically states " that all persons who signed the Loan documents or their authorized representatives have signed this agreement unless the borrower and co borrower are divorced AND the property has been transferred to one spouse in the divorce degree '' While I did quick deed the home to my now ex wife, we were still married at the time this modification took place. My signature was not obtained from the bank nor did I consent to using my credit report or any other means to modify this loan. 
I have tried to resolve the issue with Chase with no luck. Since I am still on the loan even after the divorce, I have invested interest in the home. I feel that this modification was obtained illegally as stated in the loan documents and would like it reversed to the original loan terms I did agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For the last 10 years, I have had my home equity line of credit with JPMorgan Chase Bank ( " JPM '' ), My original line of credit was {$100000.00}. After the credit crisis in XXXX, JPM terminated my line of credit to simply my outstanding balance with no additional credit. XX/XX/XXXX, XXXX tripled the amount of my payment on my home equity line of credit from approximately {$200.00} to {$510.00}. I requested that JPM refinance my payment to decrease the payment amount to the original amount of {$200.00}. JPM refused and told me to file for hardship with a government agency. I am now stuck with making an exorbitant payment of {$510.00}. In order to make sure that I never missed a payment, I set up auto debit first from my JPM Checking Account and then from my XXXX XXXX Checking Account. All of the payments have been made automatically without a problem. XX/XX/XXXX, I received multiple notices in the mail from JPM threatening legal action because they stated I was not making my home equity payments. I immediately called JPM to inquire why I was receiving their notice. I spoke to about XXXX dozen JPM reps in their " escalation department ''. They said that my account was not set up to make automatic payments. I told these reps that was a lie. My account had been set up for automatic payments for years first from JPM account and then from my XXXX XXXX account. I went online and checked and somehow JPM had disabled my automatic payments for my home equity line of credit WITHOUT ANY NOTICE TO ME. The JPM reps were pretty nasty and told me that I was late and they reported me to the credit bureaus to damage my credit rating! I was stunned. I could not believe that an account that I had for over 10 years was WITHOUT EVER MAKING A LATE PAYMENT was now fraudulently misrepresented that I did not have automatic debit set up and materially misrepresented to the credit agencies to damage my credit. I called JPM again and spoke to a rep by the name of XXXX XXXX ( XXXX extension XXXX ) and he told that JPM would NOT reverse the fraudulent representation made by JPM to the credit agencies. I simply hung up. Over the last few years, JPM has arbitrarily shut down my line of credit ( solely due to the XX/XX/XXXX credit crisis ), tripled my payment and shut down my auto payment and falsely reported me as delinquent to the credit agencies. JPM 'S abusive credit practices must be stopped!! JPM must be compelled to remove the negative credit agency information from my credit report immediately. It was XXXX 's own incompetence that caused the payment not to be deducted from my checking account.. I had the accounts properly set up for YEARS!! XX/XX/XXXX or XX/XX/XXXX, these incompetent fraudsters disabled by autodebit and then decided to malign me to the credit agencies. JPM is a disgrace!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: NY

Complaint narrative:
I was paying off my student loan regularly and on-time. When I lost my job I applied for deferral from JP Morgan Chase ; I was denied and given the run around and vague explanations from the Student Loan department. I kept calling and trying to talk to someone about how it was currently impossible for me to make my loan payments and meet a minimum standard of living and was ignored and told to make my payments. With no other recourse left my loan defaulted and was sent to a collection agency. I was able to get another job and worked with the collection agency on a reasonable payment plan. Recently, Chase purchased back its student loans from the debt collector and cancelled my payment plan on the grounds that it was " unfair '' if all debtors did not have the same repayment plan. When I asked what my options were to get this resolved I was quoted a monthly payment of approximately {$600.00} or a XXXX time lump sum payment of {$8000.00} ; neither of which is possible for me at this time. When I explained this and asked what the next steps were I was told that I was not " authorized '' to know this information or timeline but that " further action '' would be taken in the future. My credit has been destroyed and my efforts to work with Chase have been denied and belittled at every turn. I have never been late paying my government student loans and would just really like to be able to get this JP Morgan Chase loan out of my life. It is not only a stress on my finances but my interactions with Chase have caused me undue emotional distress as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Credit card was assessed undue fees and did not make any calls/contact to alert me that a balance was pending on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My wife and I were looking to refinance our loan and chose to work with a local mortgage broker. We were given the choice on which company our loan would be sold to and decided to look at Chase because our other accounts are there. I called and spoke to a representative about the Chase Mortgage Cash Back program and asked several times if we would qualify if our loan originated with a mortgage broker and was then sold to Chase. I was assured that everything would be fine and we would be eligible. We went ahead with the refinance and our loan was sold to Chase. When I tried to sign up for the Chase Mortgage Cash Back program, I was not able to. After talking to several different representatives, I was told that we do not qualify for the program and there is nothing else that I can do about it even if I was misinformed and mislead. Since we chose to use Chase at a higher rate with the understanding that the program would reduce the cost, we will now have to pay over {$4000.00} over the life of the loan without this resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into my local chase bank and used one of their new atm machines inside the bank that they have been encouraging us to use because it seems they are cutting back on labor and replacing actual humans with machines. 
I was depositing XXXX dollars and the machine took my money and provided me with a receipt that said the machine malfunctioned and to talk to the bank or call and make a claim. Now it is beyond me why the machine did not return my money if it malfunctioned. The machine does not require an envelope or a deposit slip which to me is crazy since now there is no written record of my deposit. I immediately talked to a teller and then sat with them to call and make a claim for the money that has basically disappeared. I was told that they would have someone come out within 12 hours and recover the money and that it was separated inside the machine and that it would not be an issue. This deposit was made on the XXXX of XXXX 2016. I received an email yesterday from the bank saying they finsished their research and said that they only recovered XXXX and would be taking XXXX out of my account on XXXX/XXXX/16. there is no research documents on how they came up with this number. I called and asked and was just told that that 's what they determined with no explanation except that 's how much money they recovered. No date of when, how, who or anything. They told me that I would have to go to the bank branch and figure it out. 

Needless to say I 'm going to be out! XXXX because the bank just robbed me. How am I supposed to prove how much money I put in there when there is no deposit slip required? This is going to be a huge financial burden and I 'm at a loss. I will be heading to the bank now to try and rectify this. Hopefully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I experienced the same with JP Morgan Chase. Chase requested numerous documents and called the wrong phone number. They messed up my refinancing and it took more that 130 days for them to process my refinancing. " XXXX subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes, '' CFPB Director XXXX XXXX said in a statement. " Consumers were kept in the dark about their options or burdened with excessive paperwork. '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Dear XXXX ; My name is XXXX, my address is XXXX XXXX, NY XXXX, and I became disable on XX/XX/XXXX. In XX/XX/XXXX I applied and submitted my discharge application for Total and XXXX with Nelnet for my student loan to be dismissed, and again in XX/XX/XXXX I submitted all the documents that are need for my student loans to be dismissed, and as of today Nelnet have not dismissed my student loans. In the mean time, my student loans are incurred interest and Nelnet has been issuing XXXX and XXXX every time. I have called them and been getting the run around from Nelnet representatives. My account number with Nelnet is XXXX, and XXXX. I have submitted the Discharge Application for Total and XXXX XXXX XXXX XXXX Department of Education, XXXX Servicing, XXXX, XXXX, XXXX, phone number is XXXX or XXXX. Nelnet email address is XXXX. Went I looked at my credit reports from all major credit reporting agencies it shows I have XXXX student loans when in fact is not true. Nelnet is reporting wrong information to all major credit reporting agencies, and is doing nothing about it to resolve the issues. It has put me in the position to seek help from Consumer Financial Protection Bureau to resolve my issues, since I am not getting any help from Nelnet. I can be reach at the address located in the beginning of my complaint letter, and you can also contact me at XXXX. I want to thank you in advance. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX I filed chapter XXXX bankruptcy -- chase bank was in the original filing. my paycheck went direct deposit and cleared the arrearage but a few weeks later the account -- same account number that was declared went back into a negative status. I have been fighting back and forth with them for months and I am at my breaking point. I want to know how to sue? this account is in the bankruptcy and chase is now violating federal law. for over a year I have not been able to get a bank account because of this and I have to take this to the next step

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a packet from Chase Home Finance stating that they were part of a class action lawsuit and I had been approved in the past for a loan modification. As part of the lawsuit, Chase was required to offer assistance to see if there was anything else they could have done for us. So I submitted the application and they placed me on a two month forbearance for XXXX and XX/XX/XXXX. My mortgage was current prior to submitting the documents. They placed me on a two month forbearance to better my situation, not realizing all those payments would be due and payable XX/XX/XXXX. I work in education, a forbearance to me is a stop of all payments and they added at the end of the loan. So I applied for another modification to get assistance with the two months I am now behind, to be told they can only offer me a short sale of my mortgage. I am so upset. Now I have maxed out all of my credit cards and over {$100.00} in XXXX XXXX fees just to get my mortgage current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On Friday, XX/XX/XXXX I deposited a check into my checking account. The check was issued from Chase Bank. On Wednesday, XX/XX/XXXX, I received a call from my bank informing me that Chase would be putting a hold on releasing any funds from the check for 10 days. Is it legal to wait 4 days before informing someone that you will be holding their check for 10 days? Also, it was not made clear to me whether the hold for 10 days would be in addition to the 4 days that the funds have already been witheld. I have also not been informed if this would be 10 business days or 10 concurrent days. I have no desired resolution other than if this is not legal, then I would like to request that it be investigated by the appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My wife and I acquired a home equity loan in XX/XX/XXXX, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of XX/XX/XXXX. In XXXX of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By XXXX, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus {$57.00} of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On XXXX occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
I defaulted on my XXXX XXXX card in 2009. Now a debt collector calls harassing me in regards to the debt and threatened to serve me for it. I asked him to send paperwork in regards to it and he declined and repeatedly told me to pull my wallet out and just pay the amount.

Company response to consumer: Closed with explanation