vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF continues to re-order my transactions to charge me EXTREMELY high over draft fees, in the last 30 days TCF has charged me over XXXX in OD fees!! I would like a full accounting of the amount of fee 's since XX/XX/XXXX on my account! They continue to re-order pending transactions that have already cleared. Just a couple months ago my account was OD by around 8 dollars.. they re-ordered already pending ATM transactions to charge me over {$150.00} in OD fees! When I called to discuss I was told TCF does not do any OD refunds at all but they would waive half! This abusive practice is ridiculous and is NOT practiced by other banks. I am fully prepared to retain a consumer protection attorney if needed. Please send me a full accounting of the money I have been charged for erroneous OD fee 's for the full year. I would like my money back this is going to make me bankrupt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Most recent report of inability to use past payment activity feature of online account management occurred on XX/XX/XXXX. I requested a past payment activity report of ( 2 ) YTD. <P/>Statements for this account are not received regularly. Account information does not transfer over correctly into XXXX and the timeframe of the account information that is available online keeps decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I have been making my mortgage payment in  2  equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly  (  according to them  ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Returns made for purchases that were made at XXXX and paid with Chase VISA are not automatically refunded to the XXXX and are sometimes returned in cash. I complained about this practice on two occasions and was told that the amount could instead be placed on a gift card. After speaking to management on XXXX XXXX, 2017, I was informed that this was not the correct practice and that the amounts should have been refunded directly to the card. On XXXX XXXX, 2017, I requested XXXX XXXX XXXX XXXX  store management to complete a full audit on my store account because of the transactions that were not refunded to the Chase XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
To whom it may concern, I attended XXXX XXXX University from XXXX XXXX XXXX XXXX. I had taken out a loan with XXXX XXXX, who became Navient, so that I could finish my XXXX academic year. I began to repay the loan while serving in the XXXX ( XXXX XXXX ) for four years. Once I separated from XXXX XXXX I checked my balance and it had gone up from the moment that I began payments during my XXXX XXXX term from XXXX XXXX, XXXX XXXX XXXX. The interest rate that I was being charged was above what an XXXX XXXX military member should be charged, and I was not informed that my payments were not even covering interest ; which would result in my principal loan amount increasing even though I was making monthly payments for 4 consecutive years. If any additional information is required please contact me at : XXXX or at my cell : XXXX XXXX XXXX XXXX. Thank you for your time. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, a visit to XXXX XXXX XXXX had taken place. Insurance information was provided, Full Coverage XXXX, and it was said that no balance was owed. The hospital never reached out via mail or telephone regarding a balance. On XX/XX/XXXX, the account was sold to Amcol Systems Inc. of XXXX XXXX XXXX. XXXX SC, XXXX with a balance of {$1100.00}. The collection account was then added to a credit report, which in how the whole situation even came to light. The collection agency was then reached out to in regards of just gathering information on this collection account. The representative that was spoken to was extremely rude and disrespectful, using obscene and abusive language. When asked to locate the collection account under the social security number of the accused individual they could find ZERO accounts under that social security number. They had to search between different variations of names, telephone numbers, and addresses to even locate an account under the individuals name. When asked to provide documentation to the individual the representative was very hesitant in response, said that it would be sent out, but nothing was ever received. The individual has filed disputes against the collection account with XXXX and XXXX which have resulted in nothing. The individual has also reached out to XXXX, in which XXXX stated that the individual did indeed have Full Coverage XXXX at the time of the visit on XX/XX/XXXX and that they would gladly provide that information. Though, they will not be willing to pay the bill off because you can not file a claim with XXXX if it has been over a year from service. The individual is now reaching out to Consumer Financial hoping to have this reconciled and removed. The bill should have been billed to insurance, the collection account is not tied to the correct social, and the representative was rude and obscene. The contracted was also canceled when the account was sold and wrote off to the Collection Agency via XXXX XXXX XXXX, therefore there is no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
I was given an exact amount for medical service that was quoted over the phone. Prior to the appointment with the doctor I paid for entire visit. After the visit they tried to charge extra without any explanation. There were no tests or special treatment during the visit. When I talked to the accounts receivable department the lady agreed that I should not have been charged. When I called after they filed delinquent payments, another lady said she puts everything into collections and I was too late in calling her. I do not owe this unjust and made up charge.

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 non-monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened up a charge card thru   XXXX   XXXX  /Synchrony Bank. For the last several months I have made the full months payment. I even have a letter from them showing that I am paid current, refunding the late fees I paid ( just in case ). Again, I received a bill with late fees and interest. Again I called and again they said they will correct and send another letter. This is a practice of Synchrony bank hoping we just pay the fees. I am willing to bet I am not the only consumer with this experience. In my opinion this is therie attempt to defraud the consumer.

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 monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
On or about  XXXX   2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as  XXXX   XXXX   XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
In XXXX 2011 I was the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX NC. The cash drawers came up short and there was claim of purse missing. I was accused of theft and fired.They asked me to sign a form admitting this and committing to paying them back. I refused to sign it as I was innocent. They have turned this over to a debt collector, XXXX XXXX XXXX XXXX, who produced an unsigned form dated XXXX 2011 as their proof of the debt.

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 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Dear Sir or Madam, My name is  XXXX   XXXX . My hardship began when my children 's father walked out on me.I was unemployed and my left with all the bills and with the sole provision of my  XXXX  children. I worked part time meanwhile I searched for a full time job with flexible hours. I did not waste any time with my mortgage company, I faxed over a home affordable packet to be reviewed for a modification. Long story short I was denied various times due to not enough income to the point where I rented out a room for extra income and still it was not enough for them.  XXXX  of  2017  I finally landed a full time, well paid job with flexible hours.I make {$2600.00} monthly now and I was confident I would qualify for a modification but yet again I was denied because my loan was sold to a new investor and I was mailed out a letter informing me of this. Attached is the letter. I was notified yesterday  XXXX / XXXX / 17 , by  XXXX   XXXX , accou nt manager from Fay Servicing, that I was  approved for a short sale and he said I had until  XXXX / XXXX /   17  to decide if I want to go through with a short sale or else I would be foreclosed on with a sale date within 30 days. I did not apply for a short sale, I want a loan modification. I asked about the new investor on my loan and he said t hat Fay Servicing bought my   loan back. If they bought my loan back, then why are they not reviewing me for a loan modification? My home is severely under water!   Attached is the letter  XXXX  sent about the short sale. All of this is very confusing and all they have said to me is very contradicting! I do not want to lose my home, it is all my children and I have. I struggled so much to keep my home and now that I am financially s table, Fay Servicing will not work with me. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: FL

Complaint narrative:
I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as  XXXX   XXXX  regarding an opened account with  XXXX   XXXX  11 years ago. I proceeded to call the number stated on a letter from its representative (   XXXX    ) received on  XXXX   XXXX    XXXX   regarding my CFPB complaint #  XXXX .  <P/> I now find that the same credit or may b e reporting the same account although with a different account number under another nam e (   XXXX  /SYNOVAS ) and  this can be seen on my   XXXX   credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my  XXXX   XXXX  credit under personal loan also a different loan type.  <P/> I called the phone number that is reported to be  XXXX /SYNOVAS  XXXX  and the number is not a working number but they do have the same address as  XXXX  which is :  XXXX   XXXX   XXXX   XXXX   XXXX , MO  XXXX  who does have a working number  XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed (  XXXX  ) t imes using (  XXXX   )  different companies names but you a re one of t he same company. On top of that the original account with the  XXXX   XXXX  was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XXXX   XXXX   XXXX .  <P/> Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc.
State: AZ

Complaint narrative:
Calls from Global Receivables Solutions , Inc. regarding an outstanding medical bill from XXXX XXXX in the amount of {$4800.00} from a hospital stay in XX/XX/XXXX. The calls started mid-XX/XX/XXXX. In early XX/XX/XXXX, I returned the telephone call stating that I could afford to pay {$25.00} per  month as I am only working at a temporary job through a temporary agency. I was asked about how much I paid for mortgage, car insurance, and automobile insurance. I answered. I also was asked how much I brought home per month in salary and I told the person. I said that I could send a money order monthly for {$25.00} as that was all that I could afford. I was then put on hold and anther person insisted that I pay the total amount but at a reduced rate. I then stated that I do not have that kind of money. I was asked to pay the hospital bill with my XXXX card as the person knew exactly how much I had left for charging on the card. I said no. The person then said well then pay with your XXXX XXXX XXXX and said how much money I had left that I could charge. I said no I will not put anything on my credit card. Then I was asked to borrow money from someone that I knew and I said no. I said to that I would be able to send a {$25.00} money order monthly. I was put on hold again. The next person asked me to purchase a prepaid debit card, pay at least {$100.00} on it and then send $ XXXX monthly. There is no way that I will remit monthly payments on this debt as it would be a scam to just send money via a prepaid XXXX card. That does not make any sense and would be very dangerous. I then sent a cease and desist letter via certified mail.

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I  XXXX   XXXX  CC NUMBER  XXXX   XXXX   XXXX   XXXX  WAS COMPROMISED ON   XX/XX/XXXX  FO R {$2400.00} I HAVE HAD SEVERAL FRAUD COMPLAINTS AGAINST THE CARD AND HAVE CHANGED THE NUMBER SEVERAL T IME. USSA visa IS T HE CARD I AM REFERRING TO. THIS IS THE LIST OF OTHER CHARGES THAT I HAVE TRIED TO REPORT FRAUD ON. BU T 1 ) THEY KEEP CUTTING ME OFF 2 ) TRANSFERRING ME TO A NEW PERSON 3 ) CAN NOT FIND MY INFO 4 ) TALK TO ME TERRIBLY 5 ) SCREAMED AT ME. 6 ) TREATED ME TERRIBLE, LEFT ME ON HOLD FOR 2 HO URS. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED. I HAVE BEEN A VICTIM OF FRAUD IDENTITY THEFT. AND THE CARD WILL NOT TAKE MY CLAIMS. O N  XX/XX/XXXX  I   HAD SOMEONE HELP ME WITH A FRAUD CLAIM AS I AM BOR N IN  XX/XX/XXXX AND HAV E A HARD TIME UNDERSTANDING THERE TRANSFERS, AND SAME QUESTIONS OVER AND OVER. MY HELPER REPORTED THE FRAUD WITH ME TOD AY  XX/XX/XXXX  I  CALLED TO FOLLOW UP AND THEY TRANSFERRED ME AROUND F OR 2 HOURS AGAIN. I HAVE A HELPER WHO HAS FILED 2 FRAUD CLAIMS WITH ME AND STILL THEY RUN US AROUND AND PUT US ON HOLD AND SCREAM AT HER ... I HAVE TALKED  TO  XXXX  DISPUTE, AND FRAUD, TO  XXXX ,  ( NO LAST NAME )   XXXX   ( NO LAST NAME  )  XXXX   ( NO L AST NAME ) AND TO  XXXX  AT CARD SERVICES, NON OF THEM HELP ME THEY JUST TRANSFER ME TO ANOTHER DEPARTMENT.   I HAVE ALSO BEEN CHARGED {$150.00} PER MONTH FOR 12 MONTHS BY    XXXX   XXXX   XXXX   FOR SERVICES TO HELP ME. THEY HAVE NEVER HELPED M E ... DO N'T KNOW THEM EITHER. I AM AT MY WITS END WITH THIS PLEASE HELP ME THIS IS SENIOR CITIZEN ABUSE. I HAVE NO MONEY TO PAY THESE RIP OFF COMPANIES. I NEED YOUR HELP. PLEASE CONTACT ME AT  XXXX   XXXX  THIS IS THE LIST OF COMPROMISED CARDS.  XXXX   XXXX   XXXX   XXXX  AND CARD  XXXX   XXXX   XXXX   XXXX  THEY HAVE  XXXX  FRAUDULENT CHARGES ON THEM. PLEASE HELP  XXXX   XXXX .    XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Approved for trial payment in 2016 with XXXX XXXX stated not to make payments while on trial. at the end of the trial XXXX sold loan to Carrington. Carrington is now charging me for 6-8 month of payments while the loan was with BOA. Carrington is currently holding all my payments in escrow with no resolution. Carrington has sent me intent to foreclose letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I paid the  XXXX   XXXX   XXXX  off in  XXXX . They sent my title. I do n't owe them anything, but the way  Santander rep orted it on my credit looks like I still owe. They reported it as a "  XXXX  balance '' which looks negative on my part. I feel it should say " paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
In  XXXX , shortly after I graduated in  XXXX , my mother had me reconsolidate my student loans. At the time, they were unde r American Education Services. After reconsolidation, they were transferred to FedLoan Servicing. I did not understand what I was doing, to be honest, and thought my loans were all under American Education Services still - so I was not aware of my loans under FedLoan Servicing. They claim they tried to call me, but apparently all of the calls went to my spam. Therefore, they went into default. When I finally became aware of them, I tried to set up some sort of repayment but they told me I had no options. As the late fees and past due payments were too much for me to pay upfront, I fell behind and default a second time. I am trying to figure out what my options are to bring the loans into repayment. I contact them repeatedly and each time I either am t old I have no options and I either have to pay the full amount or it will keep increasing in the amount I owe or I am transferred endlessly between departments with no one able to tell me what my options are. Each department tells me something different and transfers me to a new department. This ha s ruined my credit score and my rental applications are being denied because my student loans are in default ; I am currently sleeping on friends ' couches as I have nowhere to live.

Company response to consumer: Closed with explanation