vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Loan Science, LLC
State: CA

Complaint narrative:
I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was pursuing a dispute with a merchant through Chase Visa 's dispute department. I had already closed the account which was charged. I initiated the dispute in XX/XX/XXXX, and in XX/XX/XXXX received a check from Chase for the disputed amount. I considered the matter resolved. 
Yesterday ( it 's now XX/XX/XXXX ), I received a notice that my credit rating had dropped XXXX points due to this account being delinquent. Apparently, the merchant declined to cooperate in the dispute ; Chase charged back my closed account ; now I 'm in arrears for not paying bills of which I was not aware. 
I have not received a bill or a phone call from Chase. This credit card does not exist in my online Chase account. If it were n't for the credit-monitoring service, I would n't even know about this " unpaid bill ''. 
I spoke with a supervisor in the dispute department who said I could reopen the dispute. He could n't help me with clearing up the hit to my credit rating or remove the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I bought a used car from a private party, giving him {$3900.00} in cash ( no checks involved ) for payment in full on Tuesday XXXX. I got my cash from XXXX XXXX XXXX. They had approved a used car loan at 2.5 %, but because the seller had a lien on the car with JP MORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX XXXX, TX., I had tp take out a personal loan at 9.25 % until I got a clear title. Then they would convert the personal loan to the 2.5 % used car loan. 
The seller and I went to the local Chase Bank branch on the same day. We had the managercompute to the penny how much the seller had to give in order for the lien to be paid off. 
He then gave the bank, in all cash, that amount. 
I fully expected the bank to sign and date the title to release the first lien. But no. Chase explained that that had to be done in the " back room '' and they would send to ME a letter stating that the loan has been paid in full. I protested, but was told that was the way it was going to happen. 
The end result is ; I took out a loan 9.25 % to buy a used car that I can not convert to a 2.5 % loan, because I can not transfer the title to my name until I wait for a snailmail that takes XXXX weeks. Further, I can not XXXX XXXX the car that I bought until I get the waiver in the mail. Further, the Michigan XXXX charges a {$15.00} late fee if I don ; t make the transfer in XXXX days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( XXXX ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Due to a medical issue, I was forced to quit my job. CHASE bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for e-file XXXX XXXX. On XXXX XXXX we received an XXXX form from Chase, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX+. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from CHASE telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. XX/XX/XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with CHASE. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they both agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client XXXX XXXX XXXX XXXX XXXX ( XXXX ) owned the loan that was sold to them by CHASE back in XXXX. 

While there, the attorney XXXX XXXX of XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently GC is appealing the ruling and we have another court appearance this Friday XX/XX/XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can CHASE sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to GC, CHASE dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase card services refuses to credit me {$80.00} for work I had done with XXXX to repair my car in XXXX Florida back in XXXX 2015 ... XXXX did shappy work on my car, over charged me, and ripped me off. I then had to go to another auto shop pay them {$80.00} to get the problem corrected that XXXX created, and make the correct repair. I explained this to a chase supervisor and dispute department over the next month with no positive results. I was told it would take two billing cycles to resolve the issue and get my money back.. We are now in the 3rd billing cycle with no resolve. As a long term valued customer of chase cards and banking I would like chase to come forward in favor of my {$80.00} and credit me immediately. From what I can tell, Chase Card services do not back their customers!! I do not appreciate it. I have never in my life seen this type of business incompetence. As a Consumer I will not stand for this kind of unfair business practice. Also as a long term valued customer of chase banking I am dropping my bank account and going elsewhere. They are horrendous. 

Since XXXX charged me {$140.00} on my Chase card and even after i brought the car back again they said the work was done properly, it was not. I had to go to XXXX and Pay an additional {$80.00} to have the work corrected. I am disputing {$80.00} from my card to be credited back to me. There should be no excuses. I submitted all paperwork that chase cards requested months ago! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Greetings, I have been trying to get a loan modification for the past 5 years. I have tried to work with lawyers and the bank. The bank was mailed a check in XXXX of 2010 and they returned it. I called and offered them XXXX in a cash wire transfer and they refused and hung up the phone. Not just once, but twice!! They got a payout from taxpayers to save their businesses when I did not. Is n't anyone going to stand up to these thieves. They lost my paperwork and I have been fighting them in court for the past several years. I saved MY hard earned money to put down XXXX % for my house. I built it. They do n't care but it 's my last investment. I DEMAND that they follow the law and give me the home loan modification. 

Chase bank needs to be held accountable. If I went down the street and stole a purse, I would be in jail. Chase bank gets to pay a fine and business as usual. 
I will be contacting my Congressman. I vote. I mean it. I 've had it and so have the rest of the American people. 
I want that home loan modification that I deserve today! 

Thank you for your time and attention. At least we have this agency to stand up for what is right. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: CA

Complaint narrative:
I completed a loan rehabilitation program over 9 months. Most of my loans have come out of default except for XXXX. I was told that they are not eligible and now I have to pay the past due to get them current. Over 3k. I 'm working on my credit score and Nelnet will not work with me. I did my due diligence in their program. Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: NV

Complaint narrative:
I have set up auto debit 3 times now with correct and accurate information, and it has been rejected leaving me with late payments and automatic enrollment in forbearance. I was told the forbearance can not be reversed. I do not need a forbearance nor have a asked for one I am able and willing to pay my monthly balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Platinum Holdings Group, LLC
State: VA

Complaint narrative:
I have previously contacted the company Worldwide Asset Recovery about calling my place of employment and then speaking to my co-workers about my personal financial issues. The Rep. contacted me and then threatened me. he called my place of employment and told a co-worker that he was sending a sheriff to my home. Sometime after that I was contacted by a Rep. XXXX XXXX XXXX who initially refrained from calling my place of employment but then he began the same practice. I was verbally warned by my employer about incoming phone calls. The I received an automated Robotic styled phone call that said I was in a lot of trouble and XXXX help my soul. I researched the number XXXX and found out it was from XXXX XXXX Calling center. I also found out there 's other complaints about the same type phone call from that number. I also have in my person an email laying out threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank rejected XXXX checks that I had to use with XXXX, likely as retaliation for complaining to the XXXX about the issues I had getting a debit card for 6 weeks ( only finally received Monday ). 

I just called and confirmed they had no legal reason to refuse the checks, considering I had more than enough money in the checking account to cover them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I 've been seeking a mod on my mortgage since hardship caused me to fall behind in 2009. That was with XXXX. It was sent to Chase, though XXXX XXXX controls the loan. Chase has articially extended this process through forcing me to apply over 6 times. In the time passing Chase has sent me a bogus foreclosure notices, denied me due process, provided bogus numbers concerning my income that do n't mesh with those provided by XXXX XXXX, presented me with a modification that was more predatory than the original. There 's more ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a 60 month term loan, accelerated payments to 48 months in order to payoff loan. Now lender refuses to provide accurate payoff amount based upon payments and date ( s ) received. I wish to clear off the loan, receiver car title and close account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
This creditor is stating that account is XXXX past due with no payment The payments were made on time but they credited to wrong account. I faxed them copies of amount and dates of payments. They said that corrections would be made to account in XXXX days. Its been XXXX weeks. I need it fixed. And there are XXXX incorrect addresses that i have NEVER used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent me an offer for 15-month 0 % balance transfer around XXXX or XXXX XXXX. After some considerations, I took up the offer and made a balance transfer near the end of XXXX XXXX, and paid transfer fee. I set up online automatic payments. Strangely Chase stopped to send any monthly statements after that but later notified me to switch to online billing, while no e-mail monthly statements were received. Checked e-mails including spam files never yielded any e-mail. Started XXXX XXXX, merely 13 months into the offer, Chase started to charge interest. I called, one customer service rep and his supervisor both stressed that the offered 15-month period starting at the time the offer was issued, not the time of transfer. I never heard such offer and such term. I asked the bank to provide me with original records but Chase has n't provided. 
To me, it is typical " bait and switch '' tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
There were withdrawals being made from my bank account at Chase Bank, the origin being XXXX XXXX bank. This was an automatic withdrawal that had not been approved by me. I did not become aware until more than 6 months later when I checked my statements. I had put my trust in this bank, that they would notify me of any unusual activity, since they told me they would when I opened up my account with them. which they failed to do. Upon contacting Chase, they told me it was from a dealership. They made XXXX different withdrawals, for an amount {$800.00} every month. I have contacted Chase on several occasions to inquire about the exact dealership as well as the name the person who is making all these withdrawals, and they have refused to give me any information except to tell me that they are only returning 3 months worth of withdrawals. I also let them know about another withdrawal that had been made for almost {$500.00} from XXXX, which I do n't have an account with either. I have pleaded with them for help, and even let them know I would be contacting other mediums if they refused to help. I have proof of the vehicle that I owe nothing to any dealership under my name. I have also contacted XXXX to make sure there are no accounts currently in my name to prove I did not pay those. I also can prove that my residence is not the one that my account paid for. I contacted XXXX and was told that Chase would be the only one that could reverse that charge. I am hoping that there is something that you can do for me, because these funds are mine, and I have NOT authorized for anyone other than myself to use my account for any purposes.

Company response to consumer: Closed with explanation