vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase credit card customer since XX/XX/XXXX and requested a line of credit increase on XX/XX/XXXX. I asked the customer service person if this would be a Hard Inquiry given I was already a customer. He led me to believe it would be a Soft Inquiry. Upon checking my credit report days later, I discovered Chase placed a Hard Inquiry on my credit report. When I called them they said they would review the recorded conversation and get back with me. I received a call from Chase a week later ( XX/XX/XXXX ) indicating their review results were that I " knew '' their inquiry would be a Hard Inquiry on my credit report and refused to remove it. I requested a transcript of the conversation indicating that I " knew '' this was going to be a Hard Inquiry and they refused to provide the evidence to me. As a result of Chase 's Hard Inquiry, my XXXX score dropped XXXX points. I use my XXXX score for mortgage loans as I rehab houses for resell. This has effected my ability to obtain favorable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent Chase a letter on XXXX/XXXX/15 to inform them that I finally had a job and could start making monthly payments but not the amount they wanted. I used the sample letter on your website and I have not heard from Chase. They have stopped sending monthly statements and when I call they inform me that I am in collections but no one from collections has contacted me. I do n't want the loan to default and I would like to start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My Name is XXXX XXXX and I have graduated from XXXX University XXXX XXXX Nj in 2013 with nothing more than the daunting and draining stress of my student loans. I started paying back interest while in school, which was about {$520.00} on a quarterly basis ( mostly from the help of my mother ) and tried to consolidate my loans soon after graduation, but NJ Class was neither informative or helpful. I paid back as much as I could on time until things became unbearable and it spiraled out of control. Two years later, I 'm still struggling with repayment and the customer service with NJ Class has gotten worse. When I call to speak with someone about repayment and my financial situation I am spoken down to, rushed off the phone or even hung up on. I was even told " if you ca n't pay back the {$1500.00} a month there 's no point in paying {$500.00} a month because we will still garnish your mother 's wages ''. That is neither helpful, professional nor ideal feedback from a business. I understand that workers of student loan companies deal with a lot but the fact of the matter is, if this is the career they are in, professionalism must always be present. 
I am currently trying my best to pay all of my bills and loans but NJ Class is making it impossible. This has not only caused stress for myself but my mother has to also deal with the numerous phone calls, emails and letters from NJ Class. It has gotten to the point where they ring her at work ( which is by far, very disrespectful ). My mother did a great thing by co-signing my loans, in order to help further my education but the stress of repayment is physically making her ill. Six years ago, who would have thought that I would regret going to college since it 's taking such a toll on my mother? After long consideration and the upmost support from my mother, I have decided to accept placement in XX/XX/XXXX for my XXXX 's degree in XXXX. I am weary that NJ class may not put my loans into forbearance or even worse I may not be able to take out a loan for the year. I never thought that I would go back to school, but I found exactly what it is that I want to do with my life. Going back for my XXXX at University XXXX XXXX, XXXX is all I could ever want. It would be a tragedy if I could n't attend. In all honestly, I just wish that someone from XXXX would help me. It would help lessen the stress for my mother and I. Maybe if they explained things a bit more and were n't so rude, it could be easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had deposited my tax check from refunds plus in my chase account they restricted my account so that i couldnt use my money out of the account even when the check had cleared. I got a letter from the fraud department saying they was going to close my account after 10 days if they can not verify the funds is have jump through all the hoop they asked my to do to the t and they still will not release my money after giving them all the information and all the steps they asked me to do. i have since been evicted and have been living in an hotel me and my XXXX kids this started on the XXXX/XXXX/16 it is now XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Couch Conville & Blitt LLC
State: TX

Complaint narrative:
In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is XXXX XXXX XXXX and my property has been threatened for possession and or XXXX for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Portfolio Recovery, LLC
State: VT

Complaint narrative:
Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RSH & Associates, LLC
State: IA

Complaint narrative:
I called XXXX XXXX & XXXX XXXX XXXX XXXX in XXXX XXXX, KS. I told them that I had no insurance and asked what the cost of an adjustment was and was told {$42.00}. I made an appointment, was adjusted and when I had to pay they said that I owed {$130.00}. I about cried. I paid {$65.00} at the time of the visit and fought the additional {$69.00}. It was wrong what they did! They told me that it would be sent to collections which it was. I went ahead and paid the {$69.00} just to keep it off of my credit report. They are now saying that I still owe {$76.00}. They stated that they gave me a discount at first but since I did not pay it in full right away they are charging me an ADDITIONAL charge of {$76.00}. I went in thinking that I would have to pay {$42.00}, I ended up paying a total of {$130.00} ( which they stated I owed as of XXXX 2014 ) and I have the remaining balance of {$76.00} with RSH & Associates in Kansas. This is NOT right!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank and Their Crooked Overdraft Policy The gov't should put a limit on the amount of overdraft fees able to be take a year by banks. They make policies that you can only get XXXX reversed a year. That is blatant robbery. They can take as many a year as they want but I cant appeal for any fees back? First of all, they are XXXX bucks ... XXXX? thats too much! Every time i know i may be over for the month, I move funds around to make it work. Chase bank could clearly see that I was moving funds from account to account and they still XXXX me. All their commercials are lies, they are n't gon na do XXXX to help you.. enjoy my extra XXXX bucks XXXX. Meanwhile, my skinny & poor college student XXXX wont eat this weekend. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On or around XXXX XXXX, 2016 Westlake Financial pulled my XXXX consumer credit file. I did not authorize Westlake Financial to pull my credit on behalf of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I accidentally made a credit card payment to a closed account. I contacted the credit card company regarding the payment. They Con firmed they received the payment and stated they have up to 30 days to return the money! It 's been 38 days and 3 phone calls and still have not returned my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a fraud dispute because a company I made a purchase from was unresponsive during the return process. I called my bank as a follow-up that they requested on XX/XX/XXXX and spoke to an advisor for 15 minutes. Today, I found that my bank recharged me for the items. When I spoke to an advisor today, I was advised that the Agent never logged my follow-up call. She did not notate any of the information I provided and they have no proof on their end that I called. I asked for an escalation of my call because the employees there clearly lied to me previously and I could not trust that my claim was being processed. I was advised that there were no supervisors available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It was a great hardship for me to get a loan modification from JP Morgan Chase in 2012. They service my loan in my name, but the property this loan is on is in a XXXX Trust for my daughter, XXXX XXXX, who is XXXX. They refused to give us a hardship HAMP modification solely on the grounds that the property was in trust. SO we had to serve Chase Lawyers. Finally after two years, we were given a HAMP mod in 2012. Unfortunately, Chase did not keep their agreement to keep our loan payment affordable. They only lowered the interest rate a portion of a percent. Then in the years to follow they have increased the payment by over {$200.00} a month, making it too high for us to pay. The reason they gave was that there were " mistakes '' made on the escrow account. They have done this twice and despite numerous letters asking for explanations they have refused, only saying it is was a " mistake ''. This year I received a notice from the Tax Assessor in XXXX XXXX County, saying that a " fine '' was attached to the property. I called and talked to them. They said the fine was to be paid by CHASE, not by me, and levied because Chase failed to notify the tax assessor of the modification. Chase however, attempted repeatedly to claim that I was the property owners responsibility. We got a chase supervisor on the phone and conference called the tax assessor and they repeated that it was Chases debt to them. Chase said they would remove that from our escrow account, but I do not believe they ever did. We believe this is against the law, not to mention and incredible abuse of power, committed against and elderly man and his XXXX daughter. We are seeking to have our mortgage reduced back to its original amount and Chase is not saying again they can not do that because it is in trust. It is outrageous. And we are well aware that the small increase in our property tax this last years could in no way account for the drastic increase in our payment. We desire to have our payment modified or reduced to the original amount and that any increase be justified as related to our financial burdens alone, such as increases in tax and insurance ( which has not increased ). Any mistake that may have been made are not our responsibility and must be adequately justified. My XXXX daughter is recovering from XXXX, she has XXXX. Moving her now may XXXX. XXXX. She is very ill and it is highly damaging for her to be put in this position by this bank. Please help us to get our mortgage lowered to its original rate or accomplish a modificatoon and get explanations for the increases. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase auto financing has written off my auto loan which is negatively effecting my family and I from obtaining a home loan because this is on my credit report! The car is with chase and is being sold so for them to put it on my credit report as a charge off is fraud and completely unjust! The car had been stolen since purchase and was just found on XXXX 2017 at a dealership in XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been paying chase bank monthly for one year yet they still show on the credit report that no payments have been made. In addition, one year prior to this was their delay not mine in " waiting '' for 6 months to pass once my XXXX mortgage was modified ( after a job loss ). They then took several more months to decide not to modify and I was forced into a one year repayment plan which concludes this month. The excessive time taken by their slow churning big business wheel severely impacted my credit score. Despite requests monthly to report accurately that payments have been made, their response was " that 's the way it is done at chase '' I have been unable to recover from the credit score horror chase bank has caused and have been severely punished in every other form of financial service needed, such as car loans, credit cards, etc. Paying exorbitant rates because of this credit score. Please help me fix this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: IL

Complaint narrative:
I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that XXXX changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times. I have spoken to XXXX on XX/XX/2017 and XX/XX/2017 to see if my due change was done, I was told it can take up 7-10 business but the account was current when I asked for the due date change. The XXXX does not work with my budget and it is going late. I feel that AES is misleading me again, I ca n't continue to have 30 day marks on my credit report which is preventing me from applying to higher paying opportunities, my mother was helping me but she had to have XXXX and was on medical leave for 6 weeks to recover. I dealt with XXXX on this issue before and they did change the date. This is the only creditor that I have that is giving me a hard time about changing the due date, when the rep on XX/XX/2017 put in my due date I was never given a time frame. I called back on XX/XX/2017 and then I was told the due date change my not go even though the account was current at that time. This means my account will go past due again. XXXX is dishonest which is what I have been trying to tell Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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.

Complaint narrative:
My student loan has been transferred from XXXX to Firstmark Services ( web-site below ) http : //firstmarkservices.com/ Firstmark is telling me I am not able to make payments via wire transfer from XXXX bank, via online using Debit/Credit card or paypal because I am based outside of US ( currently live in XXXX ). They also tell me I am not able to make payment via phone because my due date on the loan is so far into the future. They can accept payments via phone only if amount is due this month. However, none of this was specified in the original loan documents as my loan can be pre-paid at any moment. Previously I was making my payments via paypal to XXXX before XXXX transferred the loan. 
They also told me they are not accepting payments online and wire transfers on purpose, thereby making it more difficult for me to be able to repay my loan. This situation is surreal, one would think that if I want to make payments, they should be able to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: WI

Complaint narrative:
Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. 

I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.

Company response to consumer: Closed with explanation