vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 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: CT

Complaint narrative:
Nelnet had placed me on the wrong repayment plan in 2012 after calling to discuss that it did n't make sense for me to be on a 10 yr repayment when I would qualify for the Public Service Loan Forgiveness after making 120 payments. They switched me to a 25yr standard plan and told me that I was all set with my plan to qualify for the PSLF. I now have found out that they lied and that plan does n't qualify for the PSLF. I was told none of my payments counted towards the 120. I have made more than {$19000.00} in payments. They tell me there is nothing they can do to change this due to their records of the change made in 2012 not mentioning the PSLF. So just because their records are bad and they do n't save their recordings of the conversation, I am out XXXX dollars and told I need to start from square one again making my payments. ONBUDSMAN was no help and dept. of ed was n't either. Please help!!!! 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Several months ago I was making a XXXX reservation and enrollment in XXXX program. Attached with the XXXX program was a promotional offer for a Chase Credit card that would have provided bonus miles as part of the XXXX program. I did not purchase the airline ticket and canceled the reservation. I believed that the XXXX program was not completed and also assumed the credit card application was voided because of that. I never received the Chase card but am being billed for initiation of an account. I advised the card company over XXXX month ago of this situation. Now, they are billing me {$100.00} for the card initiation as well as late charges. How do I get these charges canceled for the product ( credit card ) I never received, for services I 've never been provided, and having purchased nothing against the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Recently my loan payments increased because of an increased need in my escrow account. I am retired and tightly budgeted so an increase of $ XXXX/month is impossible ( partial payments are not accepted ). I learned the reason is an increase in homeowners insurance and taxes. I have explained this to Chase but they say that their hands are tied. I have had to wait to pay each month until my Soc Sec check arrives which makes my payment late. I am appealing the taxes and I have changed insurance companies. Recently I caught up but I still receive telephone calls from Chase Mortgage even when my mortgage payment is not late ( before the XXXX of the month ). They insist knowing the date when I will pay, and they say the calls will stop if I tell them the date when I will pay. I consider this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account paid as agreed. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have excellent credit and usually pay credit cards in full. It has been my experience in my 35 years as a consumer, that when you pay your balance in full, no additional interest is charged. That changed today when I called Chase and asked why interest was being charged after I had paid my balance in full. I accused them of using, suddenly, two different ways of calculating interest on my XXXX year old credit card with them. The representative confirmed they are using two different methods of calculation. I do not understand how they can make this material change to how they calculate interest on a credit card. Or, how there can be two different ways of calculating interest on XXXX card. I will not use credit cards that I consider to be usurious, but I think they are doing this to a lot of people without people 's knowledge. If this is illegal, I hope they can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017. 

USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt. 
Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. 
The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. 
This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. 
What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank rejected refinance of current Predatory JP Morgan Chase Bank Loan citing Mortgage payments were made in cash and thus in violation of Chase policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase denied credit card application by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX I rented a vehicle from XXXX in XXXX, XXXX, XXXX. I charged this rental on my Chase VISA card ( XXXX Mileage Plus ) and I thought, chose to waive the damage waiver because Chase had sent me an email that such insurance coverage would be provided if I used this card to pay for rentals overseas. Apparently I accepted damage waiver, but with a XXXX XXXX payment due if I had an accident. On XX/XX/XXXX I had a blow out on the left front tire, requiring towing and replacement of the tire, then on XX/XX/XXXX I scraped the left side of the car on a narrow, walled road in XXXX. I returned the vehicle on XX/XX/XXXX and was charged XXXX XXXX in additon to the rental charges. I submitted a claim to Chase and provided them all supporting documents describing the damage and repair costs. They declined to cover the charges of {$910.00} stating that I had failed to affirmatively decline the Collision Damage Waiver on the rental agreement. It appears to me that I declined the Rental Company 's insurance by taking responsibility for the XXXX XXXX excess damage waiver. I feel that Chase is misleading customers into using their credit card by offering this insurance coverage yet denying claims that are seemingly covered. Had I known I would have had to go through so many hoops only to be denied, I would have opted for the rental car insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. 

they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.

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

Complaint narrative:
I have tried for years to get modification on this property. I have sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase lien release complaint. 
We 've now spent well over six months battling with ChaseBank over their proper title lien position on our property. 
We ca n't refinance, sell our home, or even procure another equity loan at a lesser interest rate unless they do so. 
So far they have been nothing but obstinate and evasive, in regards to solving this issue. 
Chase has been paid, in full, by XXXX and we have proof of that. It now seems evident that Chase wo n't relinquish their erroneous first position lien as they can use it on their financial statements as an asset. 

Here is the acquisition of banks regarding our property : XXXX Inc acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX We now have a second lien which is our current mortgage held by XXXX. XXXX should actually be in 1st lien position since our 1st was paid off when we re-financed. 

Six months ago we filed an application with XXXX XXXX XXXX to procure a business equity line of credit. XXXX XXXX XXXX discovered that Chase still has a first lien upon our property that should have been released in XXXX. XXXX XXXX XXXX contacted them and requested the lien to be removed. XXXX XXXX XXXX has our signed limited power of attorney to make the request on our behalf. Chase bank told XXXX XXXX XXXX that no such lien existed and asked XXXX XXXX XXXX to prove that one did indeed exist. 

XXXX XXXX XXXX has had several months of correspondence with JP Morgan Chase. Chase would not move forward and so XXXX XXXX XXXX could n't move forward either and our request of an equity line of credit was denied. XXXX XXXX XXXX 's title department stated at this point it that we would need to request the lien release personally. 

On XXXX/XXXX/XXXX I called the Lien Release Department at Chase and asked them to provide a copy of the recorded Release of Lien. 

The Chase Lien Release Customer Research department finally admited that they had failed to release the first lien on our house in XXXX. 
At that point I was told that Chase does n't have a proper power of Attorney in order to file for the lien release Again here is the acquisition of banks regarding our property : XXXX acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX So essentially Chase is now trying to get a Power of Attorney, from themselves, so they can release the lien that they should have already released back in XXXX. 

As it has become obvious that Chase is purposely stalling the release of this lien on our property for there own gain ; we are asking that you grant us assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I was recently a victim of identity theft as my debit/check card information was compromised and XXXX individuals ( I know this as the local grocery store has them on video surveillance ) used my card information to purchase a {$1000.00} money order, ultimately charging my account {$1000.00} with the associated fee. I notified Chase of the transaction within 24 hours of it occurring, cancelled my card, and submitted a claim for the amount to be reimbursed. Chase, however, decided that it was a valid transaction and has charged me the {$100000.00} even after notifying them of the filed police report, video surveillance, etc. I have now involved a local attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have asked repeatedly for proof of payment history and XXXX XXXX XXXX XXXX is refusing to provide documentation. Documentation is being required by another lender. Without proof, XXXX XXXX XXXX XXXX is pushing my family into financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a judgement showing from Chase card XXXX XXXX XXXX XXXX for {$3000.00} the reference number is XXXX. This money was collected through wage garnishment XX/XX/2012. It is still showing on the credit report, but is not showing that it has been paid. The balance was paid in full by wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a XXXX misc from Chase Bank for overpaid interest due to the Service Members Relief Act. We are frustrated because this should not be considered income for us to pay taxes at years end. This was already tax from paycheck and then we issued a payment against the credit card debt. This is owed money. Not taxable money. I 'm not sure how these banks can get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a Chase XXXX Visa credit card, which I 've had for a few years now. On the card anniversary, Chase promises to give the cardmembers a hotel award night, which is placed in the cardmember 's XXXX account. My anniversary was some time in the fall of XXXX, and I did not receive my hotel award. I did n't realize that my award was missing until XXXX of XXXX, at which time I called both Chase and XXXX on various ocassions asking for my hotel award. XXXX companies blamed the other company for the issue, but eventually Chase sent me a letter indicating that I should have my award within 10 business days from XXXX XXXX, XXXX. It has now been approximately 40 business days since XXXX XXXX, and I still do n't have my award.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
They charge me 2000 % of what they pay me on my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX for {$990000.00} in XX/XX/XXXX and obtained a {$680000.00} mortgage from Washington Mutual Bank ( now Chase Bank - Loan # XXXX ) at the time of the acquisition of the property, Washington Mutual said that I DID NOT qualify under their guidelines but Washington Mutual would still qualify me through their subsidiary bank namely -XXXX. Payments on the mortgage were made regularly to Wasahinton Mutual ( Chase Bank ) until the economic downturn at which point, I could only keep 50 % of the units leased and consequently fell behind in in mortgage payments. Propert values dropped drastically as I commenced negotiations with Chase for a loan modification. I was in the midst of the modification process, when another branch of the bank seized the XXXX and took it over in XX/XX/XXXX. I was at the bank a month ago and inquired about getting my property back ... The clerk advised that the property was still in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Firstmark Services ( a division of Nelnet ) is calling me every 10 minutes despite my request that they not do so. I have been late with my student loan payments the past 2 months, but I always pay : I have paid my loans consistently for over 12 years! They are intentionally harassing me with extremely frequent phone calls, instead of leaving a voice message or sending an email. I found multiple similar complaints by XXXX searching their phone number, XXXX. They are also using some sort of countermeasures to circumvent call blocking ( after successfully blocking their call once today, they were able to AGAIN ring my phone about 10 minutes later ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Calling me monthly asking when I will make a payment. Have not been late on a payment in over 3 years. They have no reason to call me. Have ask numerous times not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: CA

Complaint narrative:
I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: NC

Complaint narrative:
Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation