vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
For the last week I have routinely received XXXX calls a day on my cell from XXXX XXXX XXXX. ( this a.m. they started at XXXX ) When I XXXX this number, I found others have been complaining for XXXX years. It belongs to Receivables Performance Management, a debt collection company, apparently. I do not take their calls and they do not leave messages. I do n't owe anyone anything, so how do I get them to STOP. They only have my cell phone, not my landline or my husband 's phone. I do n't answer any caller I.D . that is n't recognized by my contacts list. I 've had this phone on the DO NOT CALL LIST for over XXXX years!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I applied for and received the Chase Sapphire Preferred credit card. I selected this card after reading in Consumer Reports and the Chase Sapphire Preferred website that is came with a XXXX point bonus after spending {$4000.00}. When I received the card, among the benefits listed on the paper to which the card was attached, there was no mention of the XXXX points nor on the brochure describing the benefits. There was also no mention in the fine print cardholder agreement. When I called Chase Customer Service to inquire, he assured me I would get the bonus. When pressed that I had nothing in writing and needed something, the best he could offer was to send out a generic letter, no reference to my card number, and that I had it on the website, and everyone with this card gets the bonus. I pointed out the website could change tomorrow and in effect, I could spend the {$4000.00}, receive no bonus and have nothing showing I was to get the bonus. I closed my account. No loss of money but negative effect to my credit score for getting the card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I HAD A CAR LOAN WITH WESTLAKE FIN. SERVICES ALMOST YEARS AGO. THE CAR WAS A PIECE OF JUNK AND I WAS RIPPED OFF FROM A XXXX XXXX XXXX XXXX KINDA PLACE. I HAD ALSO FILED CHPATER XXXX BK AT THE TIME BEFORE I GOT THE CAR. THE CAR ENDED UP BEING REPOED AND SOLD. THE COMPANY R FIELD A COMPLAINT AGIANST ME FORE THE BALANCE OF {$5600.00}. BECAUSE THEY SOLD THE CAR FOR LESS THAN IT WAS WORTH I AM SUPPOSED TO PAY THE BALANCE. I SET UP A PAYMENT ARRANGMENT OF {$120.00} PER MONTH. I PIAID MY XXXX PAYMENT ON XXXX. I GOT ANOTHER HARRASING CALL TODAY FROM WESTLAKE SAYING THAT THEY WANT ME TO CONTACT THE LAW OFFICE THAT WAS HANDLING THE CLAIM BECUASE THEY WANT ME TO SIGN OFF SAYING I WILL NOW PAY {$8600.00} BACK BECUASE THEY ARE TRYING TO CHARGE ME COURT COST, LAW OFFICE FEES AND A {$1900.00} PRE INTREST FEE. THEY ALREADY ACCEPTACED MY PAYMENT I AM NOT GOING TO PAY BACK THAT MUCH. I COULD BUY XXXX OF THOSE CARS FOR THAT PRICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have asked three times for my loan payment option to be switched to the revised income based plan. They have told me every time that it will go into effect the next month but it never changes. I have all of the messages saved. This month the payment was even higher. It jumped to {$270.00}! I ca n't afford for them to keep doing this to me. If it is n't lowered like iced asked multiple times I am going to have to defiant on my loans and I do n't want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I called early XX/XX/2017 to Chase Mortgage. Approximately around the eighth of the month. I had some concerns about the balance of my escrow. I was told that escrow was being reran and I would have it in 7-10 days. I did not receive it so, I contacted Chase. I spoke to XXXX the supervisor of the department, due to the rudeness of the original representative. XXXX told me '' I was not entitled to escrow only in XX/XX/2017 '', despite my concerns with my shortage. She refused to allow me to speak to her supervisor prompting this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
During college, I took out a loan from Nelnet for {$3500.00}. Unfortunately, I forgot about the loan because the company sent me repayment information to my old university email, which I no longer had access to after graduating XX/XX/XXXX. Then on XX/XX/XXXX, I was notified of a delinquency on my credit report. I looked into it, and discovered that my Nelnet loan was now delinquent, as I had not made a single payment. Realizing my mistake, I called Nelnet to try and fix the situation. The loan officer promised on the phone that if I paid off the loan in full right now, Nelnet would remove the delinquency and it would not affect my credit score in the future. Because of his promise, instead of making monthly payments on the loan, I paid off the loan in full using my savings. I called two more times after I paid the loan to make sure everything was paid off completely. Both times, the loan officers ensured that the loan was paid off, and that the delinquency would be removed. I assumed everything was done regarding my Nelnet loan. 
However, I checked my credit score earlier this month, and my credit score dropped again. I called XXXX, and the XXXX agent confirmed that my NelNet delinquency was still hurting my score. My delinquency was still on my credit report, unlike what Nelnet had promised. I called Nelnet today to clear up the issue, and the agent this time sang a completely different tune. The agent said that delinquencies can not be removed, and that the delinquency would stay on my report for 7-10 years. I explained that I had paid off my loan in full because I was promised that the delinquency would be removed from my credit report. The agent said she would " look '' into the recordings. But 5 minutes later, she came back saying the recordings could not be found because they were too old. I am very frustrated because I think Nelnet should still have access to the recordings as they are not even a year old ( XX/XX/XXXX ), and may be hiding the calls on purpose. I am also frustrated that Nelnet promised to remove my delinquency, and now claim that they are unable to do so under any circumstance. I researched online people getting delinquencies removed from their credit report, and I am certain that Nelnet can do so also. The Nelnet agent I talked to today said she would also submit a complaint to her supervisor, but I am very skeptical. All I want is for the delinquency to be removed from my credit report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was n't sure how to list this situation. I received a call from one person ( a female ), who refused to identify themselves. They said they were trying to contact me ( using an old name I have n't used in over 15 years ). They said I was going to be served with a debt collection lawsuit, and they could only out it on hold for 30 days if I call another number that they provided, referencing an account number. They did not say they were a debt collector, but that they were hired to track me down. So, I called the number they provided. The person who answered looked up the account, did not say they were a debt collector, and said that I owed money on a bank account ( that I do n't even remember ever having ) from XX/XX/XXXX. They said their attorneys had reviewed the file and said it was able to be collected and they could sue me. The gentleman said that I could do what I wanted. He seemed confused because of the date ( he thought that he could n't collect anything before XX/XX/XXXX ). He said he would have another area review it again, but notes said it had been reviewed and approved by the attorneys. I told him I do n't remember any bank account with that bank and that it seemed odd. I have never received any letter from this company or about the debt they say I owed. 

Also, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. All debts I was aware of were listed on the bankruptcy filing. 

The tag team method of collection is disturbing. Threatening a summons immediately if I did n't call a second number seems shady. The first caller having or providing no real information on what was going on, only telling me to call a second number, seems not quite right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was laid off in XX/XX/XXXX from Bank of America where I have my mortgage loan. In XX/XX/XXXX I was hired at another company but my income was decreased. I applied for home loan assistance with Bank of America and was declined. In XX/XX/XXXX I applied again for home loan assistance because I was going through a divorce hardship. Bank of America refused to follow up with my loan application and prolonged the process for months. My counselor never contacted me in a timely manner to let me know what documents were needed to review my application. The only want I would know that something was missing from my application was to call her. The representatives never returned my calls in a timely manner. In XX/XX/XXXX, I finally received that a notice that my application was declined because there was no evidence of hardship. After speaking with a representative she advised me that I could appeal the process and another representative advised me that because I was divorced I did have a true hardship but that I would need to reapply. This conversation took place on Tuesday XX/XX/XXXX. The representative advised me that I would get a new application package overnighted to me the next. I still have not received this application. Bank of America has been the worst bank and they have not tried to assist me. I am fed up and would like help immediately. I feel that this is a UDAP issue because they have prolonged my application and because my loan was declined when I did show hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have several problems with payments with Chase mortgage. My payment was reported 30 days late for XXXX and XXXX of 2016. I paid XXXX mortgage payment within the 30 days of it being due. The payment did post XX/XX/XXXX16 on their online site but Chase reported my payment 30 days late. Chase online site has had some technical difficulties by their staff admittance. I logged in on XX/XX/XXXX16 scheduled a payment. The payment was never processed. I had to call in to make the payment. XXXX ( supervisor ) admitted the online site has been malfunctioning and applied for a credit amendment for the incorrect reporting. Chase seems to be having problem on managing payments and the problem needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have a credit card with Chase. I believe their interest rate charging practices are unfair and deceptive. I had a statement balance of {$1300.00} with a due date of XXXX/XXXX/15. I made an online payment of {$1000.00} on XXXX/XXXX/15. I could not make a XXXX payment of {$310.00} until the next day because their online system only permits XXXX payment per day. I was charged interest of 12.24 % on a balance of {$1300.00} when only {$310.00} was XXXX day late. I was told by their unhelpful representatives that the interest is charged on not the balance overdue but also charges incurred during the cycle that have not yet come due. I believe this is unfair and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 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 2015-05-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Had been receiving robo calls about lowering an interest rate to 1 % on a CC. We always just hang up on it. Today XX/XX/2015 I stayed on the line. Very convincing person who goes by name XXXX XXXX operating number is XXXX I chose to go a head with the call due to having some difficulty with our finances and Im always trying to save money. 
I did tell him that I changed my mind because it did not see right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: MN

Complaint narrative:
This is probably my XXXX complaint on this same issue. We are on our XXXX bank because our loan continues to get sold. the complaint is with Selene Financial. We were working on a loan modification which would involve taking off the mortgage an ex wife and adding XXXX names onto the mortgage. It also involved reducing our mortgage to fair market value. After months and months of paperwork and waiting we finally made a deal and got the ex wife removed, and the mortgage reduced to {$270000.00}. This was the end of XXXX 2016. The stipulation was we have to make XXXX consecutive payments of {$2000.00} and after the XXXX payment the new loan would take effect. We made our payments as instructed and the day before the XXXX payment was due we were told our loan would be sold. When asking if they can get the modification done first I was told ( see attached ) the the new loan company would honor the agreement. That was the last I was able to communicate with our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the paperwork as there is no way we should have to do it all over again. We held up our end of the bargain now Selene needed to follow through with theirs. I found it interesting that they made the deal with us the same day the loan was sold even though we were not notified it sold until XXXX XXXX ... .This actually been a two year ordeal..the bank before Selene was horrifying as well and I had made a complaint to you about them. They conveniently sold our loan to Selene before ever doing a loan mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a company to follow through with their promises. We called the new bank, XXXX and they said they do n't have everything and they still have the old mortgage and the original names. Meaning nothing of the new deal that Selene promised us is in their records. What I want is our loan Mod that Selene agreed to be in place ASAP with no more paperwork! It should have just transferred over since we did what we were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MarkOne Holdings, LLC
State: NC

Complaint narrative:
I was being stalked by the finance Mgr., I would not agree to go out, so he made my life a living XXXX! I returned my car because it was a lemon. 
It has been close to 8 years, and mark one is still reporting every month as if i have a recent repo? it was n't a repo, it was a voluntary surrender. 
MARK ONE is a big RIP OFF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX/XXXX/XXXX I was injured and could n't work and fell behind on my Chase mortgage. During the whole time that I could n't work I maintained contact with Chase and they told me that they were going to work with me. On Monday XX/XX/XXXX I went back to work and I contacted Chase to inform them that I would be making a payment. On Thursday XX/XX/XXXX I received foreclosure papers and when I called Chase they told me that they will not accept any payments and that they would send any payments back. I owed them XXXX that I could have easily paid them. So I hired a mortgage legal group to stop the foreclosure process and help modify my loan and they was able to stop the foreclosure but Chase would n't work out anything with me .So Chase sent more foreclosure papers out and I had to hire another mortgage group to stop the foreclosure and try and get approved for a modification or a repayment plan. Chase turned me down again and just gave me the run around when I asked for an explanation for being denied. I spent XXXX or more with XXXX home mortgage companies trying to save my house when chase could have just accepted my payments. In the meanwhile my mortgage is getting farther behind and I could n't go get a loan to catch my mortgage up because its showing up on my credit for being late so I had to file for bankruptcy to stop Chase for foreclosing on me again and during bankruptcy they still would n't modify my loan or offer me a repayment plan. During this time I have continued to pay my house payment along with {$200.00} to {$400.00} extra per month. When I realized that my back payment was not decreasing I contacted Chase and was told that they were holding the extra money because they could n't apply it until they received a full payment. In the mean time my note is increasing further and further behind. Each time I contacted Chase they would tell me to re apply and to appeal my modification. Each time I was denied for different reasons. The only thing that they offered me is a short sale for my home. I am so stressed and tired of dealing with Chase that I 'm going to put my home up for short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have been paying on my private loans for 8 years now without ever missing a payment. According to my financial history as provided by XXXX XXXX XXXX, I graduated with {$26000.00} in private student loan debt. To this day I still owe {$25000.00} on my private student loans. According to those numbers I have only paid off less than {$1000.00} on my private loans in 8 years of on time payments. How are they calculating interest on these loans? I am having a very hard time believing that I 've only paid {$990.00} on these loans in 96 months of paying on them. This is clear fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint towards JP Morgan/Chase Financial Mortgage services in the XXXX California region. I believe that when buying my home, employees of this institution were in violation of TILA-RESPA Integrated Disclosure ( TRID ) based on my basic understanding of this regulation. My husband and I received multiple closing disclosures with various amounts owed to us or owed by us until the very hour we were to meet with the notary for our final signing ( we were to sign documents at XXXX on XXXX XXXX and the last email communication was at XXXX PST ). In the final documentation, pertinent information was omitted or incorrect ( e.g., it stated that we made no income in the year prior, it had another couple 's name, social security number, and other private and confidential information ). We also had no opportunity to ask questions, revise or amend these disclosures. We were threatened multiple times via conference call, text message, and email that we would not close on time should we delay this process and had been told that as this was a VA loan, they [ the VA ] required specific documentation and must meet strict timelines. Although we currently live in our new home, we are still asked to sign documents for the loan application that have missed our signatures or were not completed correctly which needed to be completed prior to closing. Further, we received multiple promises of monies owed to us that we never received in entirety. Lastly, although the vice president senior lending manager was amicable, flexible, and receptive to these grievances, managers that he deferred us to were either unavailable, condescending, or incredibly difficult to communicate with, and did not follow through with any of the stipulations that were agreed upon during our multiple email exchanges and conference calls.

Company response to consumer: Closed with explanation