vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I went to school XXXX years ago at XXXX graduated never had a job in my field I went to school for XXXX the loan people is telling me I owe them XXXX now and I never even had a chance to work in that field this is really making my credit report really bad ca n't pay my loan off or even make payments because I 'm still work at XXXX I 'm wage job with XXXX children I do n't think it 's fair when people trying to do something right with there life and it still does not work at as you planned

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I currently have my mortgage with Chase. I divorced back in 2011 and applied for an assumption to remove my ex wifes name. It was part of the divorce decree and my ex executed a quitclaim on said property. 

Chase denied my recent application for assumption citing that the modification had a XXXX year clause before any changes could be made to my exisiting loan. Upon reviewing the loan modification, which I have attached, I do not see where I had agreed or was aware of any such restriction. 

By order of the court/divorce decree in 2011, I called Chase and advised of my situation and looking for the best possible solution to resolve this matter. Chase send us the loan application to remove her name from the loan XXXX Assumption XXXX. Our bank loan processor was negligent in keeping us apprised our loan progress. After several attempts and weeks, we received a confirmation of a loan modification. Upon submission, our loan processor assured us that we could do both a modification and removal of her name in XXXX process. 
Upon receiving the confirmation paperwork, the only thing that was done was a modification AND Chase DID NOT removed my ex wifes name. This was the whole reason for us approaching Chase. We are very frustrated and are on the verge of losing our home because of incompetence and lack of good customer service on behalf of Chase Bank. 

As things stand right now, we are in contempt of court and will lose our home due to a technicality that I do not see in the mod paperwork. 

I am not a banker or expert on loans. I relied on my loan processors/customer service rep to guide me through this process. 

I have been trying to get a straight, smart intelligent answer to what I am trying to accomplish with my mortgage. My loan payments have been on time. 

Thank you kindly for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE CARD MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM CHASE CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: HI

Complaint narrative:
If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to use my rewards points on Chase 's website to book travel. The website did not work -- it continued to say that there was an error on the page, even though no error existed. I called Chase XXXX separate times. Each time, I was placed on a long wait and transferred to a " supervisor '' who never answered the phone. The Chase employee with whom I did speak said that the website bug is a known issue and " happens. '' I am unable to redeem my points because the website is broken, and no one assists me on the phone. I speak with one Chase employee who then ostensibly transfers me to someone else, but that person never answers the phone, and I remain on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a checking account with Chase XXXX weeks ago and was lured for a {$300.00} credit if I set direct deposit and a premier checking account " free '' for being a Veteran. I set direct deposit with my XXXX job and I was told after XXXX days I would get my credit in my account. Now Chase is canceling my account and they do n't give me an explanation. Additionally the credit of {$300.00} is not to be seen. I called a rep when i got the letter and she told me it was a final decision and no way to debate such decision. I told her that I was a Veteran and that is why I was given the checking account. She told me " it did not matter who I was or that I was a Veteran ''. She said final decisions are final and nothing can be done. JP Morgan Chase has a good history of helping veterans with jobs and have done descent job fairs at helping Veterans in many types of situations. In this case I felt betrayed and discriminated just for being a Veteran. I feel disappointed that Chase would close my account with no explanation and feel Chase is after all not really helping veterans but denying us the right of a checking account. All I can remember is that in XXXX I opened an account with Chase in another state KY but had to leave and was not able to maintain it and left it unattended. Also I was attending VA hospital for XXXX. Maybe account closed negative I do n't know. This happen almost XXXX years ago and it should not matter now since my situation has changed and XXXX. I wanted to open a checking account with Chase because they are everywhere and very convenient. But if it 's not possible then I will seek other providers that " honor Veterans '' and do n't deny them a simple checking account. We deserve more and not just a checking account for serving this country with honor and proudly. Words from a former XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase has not shown proof of paying my taxes to XXXX County. I have a contact at the county who has contacted Chase but the issue is over two months and has not been resolved despite assurances from Chase that they would look into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/2015 when I scheduled a online flight with Southwest Airlines I was made any offer by Chase and Southwest Airlines for a combined Chase/Southwest credit card if I completed their application on line, which I did and was I approved. The terms and features of that Chase/Southwest offer were as follows:1. A " {$200.00} Southwest XXXX Card Credit. " 2. A " XXXX Bonus Points after you spend {$2000.00} in the first 3 months of opening your account. " 3. A " XXXX Bonus Points after your Cardmember Anniversary. " I did everything according to these terms, but now both Chase and Southwest will not given me the features that were promised me at the point of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Credit card was paid in full through Chase banks automatied system. Chase sent the following statement saying interest was due. Who is this possible if you are using there automatied system and paying off a credit card with all current transactions. There was a XXXX balance on XX/XX/2017 and then interest charged on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance, the entire lein all fees to be forgiven by them, did not enter into an agreement that settled for " less than full '' balance! Need to be reported that the " full balance '' is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my Chase Visa Debit card to pay for several purchases in XXXX on XX/XX/2016. The bank, without my knowledge or consent, charged me exchange rate " fees '' totaling {$4.00} for the privilege of using my card outside the country. These fees were both misleading and deceptive as I never agreed to them and would not have used the card had I known in advance. Chase has refused to amend the situation and reverse the charges, stating that they do n't have the " authority '' or ability to give me a credit and told me I should have contacted them prior to my trip so I could turn on a notification regarding those charges. Chase NEVER communicated any of these things to me prior to my trip and, frankly, I do n't know how many people call their bank before taking a trip nor should they be required to. The fees are misleading and fraudulent and I want them removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Email : XXXXXXXXXXXX Cellphone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been disputing a credit card account with Chase Bank and I sent them a Letter asking for the credit card agreement bearing my signature, the date it was opened, and the date of the first delinquency and they sent me a letter back stating that they could not provide me with any of that information because they sold the account. But when I dispute with XXXX, and XXXX it comes back as verified. Chase Bank is not able to verify this account so they are NOT GIVING ME MY DUE PROCESS of the FRCA and are reporting false unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase 24-Hour Online banking account often displays out of date information, including payments recently made. See attached documents. 
A payment made to XXXX Account on XX/XX/XXXX shows as paid, but still does not show on my Chase activities by XX/XX/XXXX. If it 's already paid, it should show as activity on XX/XX/XXXX. 
This has become a consistent problem, resulting in inaccurate info on my account, which then results in overdrafts and fees. It seems this is done to maximize collection of overdraft fees. I 've complained about this to Chase by telephone before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had XXXX credit cards from the same banking institution for many years. XXXX has an interest rate almost double of the other XXXX. I wanted to get that higher rate lowered at least a little bit. I hit a brick wall when calling the Customer Service number on the back of the card. I went to a local branch and spoke with the Branch Manager. He was very helpful and informative and said he 'd contact his counterparts in the Credit Card Division and see what could be done. He called me back within 24 hours saying he 'd hit the same brick wall. The Credit Division was adamant in their stance that the rate remain at almost 25 % when the other XXXX cards were lower than 12 %. I want to know why they wo n't even talk to me or the Branch Manager about how to get the interest rate lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I bought a house and got Everbank to to service the loan. I was supposed receive a credit ( loan origination fee, etc., were supposed to be waived ) for choosing Everbank. This is shown on the original HUDXXXX that was sent to me by the Everbank loan officer two days prior to closing. When I reviewed the HUDXXXX at the actual closing, the numbers were different. They had taken all the credit OFF of the new HUDXXXX form. The loan officer, who was present at the settlement, called his bank, and they were supposed to refund the money ASAP. This was in presence of the loan officer, title attorney, seller, buyer ( myself ), and their agents. 
Is has almost been a month since this closing date and I have not received the check. I have had to call multiple customer service. They have been less than responsive and totally put it on ME to work to get this refund which was promised to me ( really ridiculous given that this check was supposed to be mailed out the day after closing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I filed for Bankruptcy XXXX XXXX, in CA. My Loan was with Caliber Home Loans. They sold my home for {$4800.00} over what was owed against the loan. I never got a check, but received a XXXX showing that they wrote off {$5500.00} in interest. Called the IRS who told me I would have to go after the lender for fraud, but I would have to file as per the XXXX Called them twice at an hour the first time. They could not give me an answers or accounting of the figures. Called them again they left me on hold. Gave up after nearly 40 min. This company had over XXXX complaints here and Ill be securing another attourney and going after them for all expenses as well as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am more than angry that an additional payment to my chase visa got arbitrarily split rather than where it was intended to go. I sat on the phone for 30 min XXXX with a rep who told me that in a very small window ( 3 days ) I could direct and make an extra payment to the highest balance. This did not happen. When I finally demanded to speak to a supervisor, XXXX XXXX, he had no idea why the amount was instead directed to two balances rather than the highest. He also had no idea how the amount of the split was calculated. He did n't know " what algorithm was used ''! Instead he kept saying that 's how Chase decides to do it. What kind of customer service is this?? Further, how is this transparent to the consumer?? How does Chase just decide what to do with my payments?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently refinanced my mortgage. I was told at the closing that the mortgage payment would be higher because my insurance was being escrowed in. I informed the bank that I already have insurance which covers the property which has been prepaid and will last for the next 2 years. They said they would adjust this but have n't and whenever I call them I get an enormous run around. I 'm being charged at least $ 700 monthly for insurance that I already have. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I got hired on with a new company and had to set-up my direct deposit. I went down to the nearest Chase bank and asked for my account number and my routing number. They printed it off with no issues. I then took it and turned it into my new employer. Here comes Friday, ( payday ) and the money still has n't hit my account. I called my employer and they said they sent it out for payment early on friday, which I should have my money into my account by XXXX or latest by XXXX Friday morning. My employer went through and double checked that the account number and routing number were the same as the form Chase had printed out. They said it matched up. So then I called Chase customer service and they said the bank gave me the wrong routing number and that they could n't do anything for me because the money has n't gone through yet. So I talked to a Manger because this is XXXX seeing how I got it from a Chase bank. I explained everything to her and she still said she could n't do anything about it. So my money is gone somewhere and I still have nothing. Chase is using every excuse in the book and not offering any fixes to this mess up that THEY did, not I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I just received a letter stating that my mortgage payment is past due. All my bills are paid automatically through my bank 's Online Bill Pay. There are a few payees who have an agreement with my bank to receive payment directly, electronically, including my mortgage company. I accessed my account online and show my payment was sent and processed on XXXX XXXX, 2016. So I accessed the mortgage company website and found the payment was, in fact received on XXXX XXXX, 2016. Because it was received before the beginning of the month, they applied the entire payment to the principal. Two days later, the day after the due date, they consider my payment past due. They 've done this in the past and so I had adjusted my payment submission date to the XXXX of the month. However, this time the XXXX of XXXX was a holiday since XXXX fell on a Sunday. Because of the holiday, my bank went to the last business day and sent the payment on XXXX XXXX. It does n't make sense for a mortgage company to have a due date of the first of the month and not accept a payment made before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation