vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase selected XXXX Appraisal to set a value on my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX in early XX/XX/2018. The appraiser failed to consult the entire XXXX XXXX XXXX and misinterpreted data on other transactions. The result was an erroneous calculation of {$310000.00}. The errors were thoroughly documented by XXXX XXXX of XXXX on XXXX. The correct value is {$330000.00} as documented by local professional realtors and the valuations of national real estate data bases. Despite all of this evidence on XXXX Chase arbitrarily rejected the correct value. This has compromised the potential resale value of our home by {$23000.00} and we demand restitution in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/62 SS # XXXX Experian will not delete or correct the account for XXXX XXXX on my report I closed the account and I was never late and it showed late after I closed the account because of the billing date. this has been corrected by XXXX  and XXXX  but Experian will not the simple mistake. if they read the last payment date it will show it a mount before the close date and the late payment date. simple math!!!!!! if fact them had to send me a check for the over payment after the account was closed. 

Fix : correct the late payment if this is too hard!!!! simply delete the account

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 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Management Incorporated
State: RI

Complaint narrative:
I appeared at XXXX XXXX via a referral from my girlfriend at the time. Ms. XXXX XXXX said she was " see me for free and handle the insurance issues later if there was any. '' AFTER i had already handed my cards to the staff to be sure I was covered, one of the staff came into the exam room while the work was checkup was being performed - ( I was in the room for 6 minutes total, she came in after 5. ) and told Ms. XXXX that there was insurance issues of some kind and I was not covered. Ms. XXXX replied to " XXXX? '' or the staff member who had came into the room that I would not be billed for today and it was going to be a courtesy visit. 

I have called the office twice, not only do they deny the above, but have also been extremely rude to me when I try to state my claim and reasoning. I think this establishment is great, and has performed wonders for friends and family of mine, but clearly on this day there was an issue. Since then I have had the work she quoted at $ 640+ and an additional 8 sessions performed at XXXX for a cost of {$0.00}. 

I made it very clear that day that although this was an " emergency '' and that I did wants things taken care of, that financial means came first and that was my first in order of concern. I never followed up with this office again after finding an office that showed me four days later that not only did I have XXXX  insurance, but that I had full coverage. I attempted to relay this information to the office on my second call to them and they said they " never took that insurance, and that I must be mistaken '' - I have only had one insurance since moving off my parents plan on my XXXX birthday. ( per RI law ) I am unsure why there is any confusion in the office when I was clearly told one thing and then after receiving bills, and now collection notices, I am very disappointed in a business that appeared honest and forthcoming and came highly regarded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: FL

Complaint narrative:
Per the information on PMI posted to there web site provided at attachment, it states that the PMI requirement for the mortgage will be automatically canceled when the loan to value ( LTV ) of the mortgage reaches 78 % of the original property value of the mortgage. This occurred after the XXXX XX/XX/2018 mortgage payment. I called the lender to discuss this approximately on XXXX XX/XX/2018 and was informed they would look at it. I was again charged PMI in the XXXX payment so I called the lender again around XXXX XX/XX/2018, to advise that the PMI payment was not in accordance with the information posted on their website and why were they still collecting it. Again I was informed they were reviewing it and would advise me shortly. On XXXX XX/XX/2018, I received the letter from the lender provided at attachment advising me that I would have to pay {$100.00} for a Brokers Price Opinion ( BPO ) on the property before they would considering cancelling the PMI requirement. This new BPO requirement is not addressed anywhere in the lender 's PMI information and is in direct conflict with the information that is posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
paid for services i discontinue XXXX  is still taking money out of my account regions not letting me login and remove the inaccurate charge from XXXX

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 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
I'm a Teacher and have been in repayment status since I graduated college in XX/XX/XXXX.  I've maintained consistent, full-time, qualifying employment and have never missed a payment on my loans. I've behaved in such a fashion to ensure my eligibility for the Public Service Loan Forgiveness ( " PSLF '' ) program.

This year, I became eligible for the program and began to inquire about how many payments the lender has recorded that I've paid. After several calls to customer service, I couldn't get a clear answer. Rather, they initiated a payment review in XX/XX/XXXX. I called today ( XX/XX/XXXX - Spoke to XXXX ID XXXX ) and was informed the payment review still hasn't been completed. I was told that the payment review is indefinite and could take months or even years to complete. I was also informed that while my account was under payment review, I would NOT be eligible for the PSLF program. 

I asked for a timeline of when the lender expected the payment review to be completed ; they indicated they did not know. The lender said once a payment review is initiated, it can not be stopped or cancelled and has to run its course. I pleaded with the lender, asking for this process to be escalated, to no avail. I also explained that the lender is holding my account XXXX and keeping it in limbo ; meanwhile, we're paying interest and payments as required by the terms of our loan. We simply can not make an informed decision about how to proceed with our loans ; whether or not we should refinance them to avoid paying excess interest, or stay the course with the PSLF program. 

I recently applied for the PSLF program and was denied, showing that I only had made 31 qualifying payments. I then applied to the Temporary Expanded PSLF program and was subsequently denied because I hadn't made 10 years of payments. Despite the lender 's reasons for denial of both programs, I boldly attest that I've been paying on my loans, consistently and without delay, since my graduation from college XX/XX/XXXX. Ten years. 

I've done all that I can do up to this point. Our only recourse beyond this complaint is to move forward with civil litigation. Our hope is that this complaint will aid us in obtaining the relief we desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Mortgage Loan was Modified XX/XX/2013. 
{$200000.00} was Deferred until the end of the loans maturity date. 
However, Debt Forgiveness was granted 1/4 of the deferred balance in each of the first 4 years. 
Ocwen, the current servicer, has been contacted several times and they demand that the deferred amount will remain on the loan and will need to be paid at the end of the maturity date or upon a refinance. Ocwen even sent the Modification Agreement to me, which clearly states the Forgiveness on page 16 of the PDF, but they have never read past page the first paragraph. Ocwen is still putting me off and not addressing the situation. They say 2 more weeks to a month before they can review it. It's been going on for 3 years now. I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
In XX/XX/XXXX, the federal government moved my loan from XXXX to XXXX XXXX. Prior to this I had no trouble getting accurate info from loan servicer when it was XXXX. I sent XXXX an updated document on qualifying employment for the Public Service Loan Forgiveness Program, because that is a best practice each year and I take this very seriously. They sent me an updated summary of qualifying payments with literally dozens of errors on XX/XX/XXXX. By their inexplicable and erroneous accounting, I suddenly will not have my loan forgiven until much much later than I have actually qualified for. This is completely incorrect! I had in fact made many more qualifying payments as of XX/XX/XXXX than they said, and have continued to make them since. I immediately contacted FedLoan by phone ( twice ), which they have recorded I assume, and by email in early XXXX to request that these errors be fixed. I was told there was a long backlog and it could take 6-8 months. It has now been 7 months and 2 weeks. I messaged them on XX/XX/XXXX and got a generic " you'll hear from us soon '' response. I called again today and XXXX customer service said my recalculation request has to be done manually because there was a glitch in how the information got moved to their system last year, and no one has started this recalculation. This impacts my financial future and my career choices. Having this so ineptly handled is outrageous. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On today approximately at XXXX XXXX. My capital one credit card was declined at the XXXX XXXX XXXX for less roughly {$10.00}. I used my XXXX instead. After being EMBARESSED, I pulled over and called Capital one. I was informed i needed to speak to the fraud dept. I spoke to a rep. that I later transferred me to a Supervisor upon my request. the supervisor XXXX employee number XXXX who informed me that i would need to collect government issued IDs and social security cards from all of the newly added authorized users and the authorized users that was already added and had not been previously asked for any of this information. I then requested to have them removed as I can not control if each person would give me both DL and SS card ( copies ) My son whom is a student does not have a government issued ID and I have no plans on doing such at this time would also need those items.. WITHOUT each person providing their info my card would be RESTRICTED. I have never been late and have had my card for several years. I am floored as, my son uses his card and i could have been out of town on business. If I had what would have happened. I did not receive an email or a phone call from the fraud dept. In times before they send emails to confirm purchases and ensure quality and consumer protection ... This is not quality or consumer protection. I ordered the cards and they are being sent to my secure address and it is the address that was on file. I read and called to ask for authorized user guidelines and limitations and was never told that requesting a certain means you have to PROVE certain things and IT will lock your card if all parties are not comfortable with sending over information.. 

I believe in Policy and Procedure.. I do not believe in XXXX gestures. These above actions should have fix actions, of Capital One client retention. I would like capital one to understand some people will provide me with their information and others do not feel comfortable sending those XXXXwo piece of VERY SENSITIVE information. As the PRIMARY account holder I am responsible for the account and the charges.. I can not make them want to send over that information ... which  ultimately will have me paying my card off and closing my account. I have several cards with Capital One and all in exceptional standing.. I also am an authorized user on a family members card and I was NEVER asked for PHOTO ID AND SS .... THIS IS A FORM OF DISCRIMINATION. I was also told this was FEDERALLY mandated to ask for the ID AND SS .... i have read disclosured and printed them from Capital and the Federal Government and could not find such law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2018 Care Credit charged my XXXX XXXX account {$1000.00} to pay off the entire balance of my account which they were not authorized to do. A payment of {$51.00} was not even due until XX/XX/2018. When I saw they had charged my account for the entire balance I called them. They told me, " I'm sorry that was a mistake ''. So I asked them to reverse the charge because my rent was due on the XX/XX/XXXX and I needed that money to pay my rent. They told me the fastest way to get my money back was to call my bank. I called XXXX XXXX and told them what happened and they reversed the charges. I then called Care Credit back and told them I got my money back and that I was going to make the payment of {$51.00} that was due. I made the payment of {$51.00} but my bank rejected the payment to protect me from them taking anymore of my money without authorization. When I found out the next day my bank had rejected the payment I called them and told them to let the payments go through. By that time Care Credit had closed my account. I asked them to please re-open my account because they were the ones who took my money unauthorized in the first place. They told me the only way they could re-open my account was that I would have to make two payments a day apart so they could see if they would go through and then they would re-open it. So I made {$150.00} payment on XX/XX/2018 to show good faith, and she told me I could make a {$20.00} payment the next day. I showed good faith again and made a {$50.00} payment on XX/XX/2018. Then I called Care Credit back and pleaded with them to re-open my account because this would ruin my excellent credit by closing my account. I have a {$7500.00} credit limit with them and I've never been late one time making any payments with anyone and that's why I have excellent credit. 

In closing, I have attached all the documents to support my complaint. Care Credit closed my account illegally, they took money from my bank account illegally and paid off my balance which was not even due, illegally. Then, just because my bank rejected a payment by mistake they closed my excellent good standing account and told me they could not re-open it. So I'm pleading with you to make me whole again by having them re-open my account. I am stressed out and depressed about my account being closed. I have family members who are authorized users on this account as well. 

Respectfully, XXXX XXXX

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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Affidavits Attached XXXX XXXX v. Experian Information Solutions, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, Experian, and XXXX, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my XXXX report, on it's website ( XXXX XXXX XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( XXXX XXXX '' ) as a provider of the bankruptcy information to XXXX. FCRA Section 611 ( a ) ( 2 ) requires XXXX and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

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 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
I am a customer of NYCB, using the physical branch of theirs ( XXXX XXXX ) at XXXX XXXX XXXX, XXXX XXXX as regarding this complaint. 
On XX/XX/18, I scheduled an ACH payment of {$870.00} to XXXX for a Credit Card account held there. In so doing, I transferred the necessary funds from my E Money market account to facilitate the transaction. And, the request was therefore confirmed by XXXX. 

On XX/XX/18, an employee of XXXX XXXX, XXXX XXXX XXXX posted a check for {$300.00} that belonged to another customer of their bank to my account in error. 
On perusing my account on the night of XX/XX/18, I saw that there was an unauthorized debit posted to my account in the amount of {$300.00}, and immediately contacted their Customer Service via my online account-telling them of the problem. And, I cc'ed same email to the bank personnel at the XXXX XXXX  branch XXXX The unauthorized debit to my account, negligently facilitated by the bank employee rendered an overdraft on my checking account as the ACH was still paid despite the balance being {$300.00} short due to the bank 's error. 

I received a call from the XXXX XXXX bank employee on XX/XX/18, and she apologized and promised to resolve the matter as soon as possible. She assured me that visiting the branch was unnecessary. 

On XX/XX/18, I decided to check my account, and was quite dismayed to see that there was an Overdraft Fee assessed to my account, which again put the account in overdraft. 

There should be no Overdraft and no Overdraft Fee assessed to me for a fault that was engendered by an incompetent employee who took money from my account in error. 

I visited the branch to see the employee and have her reverse the Overdraft Fee, and rightfully put my account back in the black. 

To date, I have not received any response from NYCB Customer Service. My email to them was not acknowledged, and neither was there a response to my email account regarding their internal snafu. 

People intent on doing business with NYCB and XXXX XXXX   should remember caveat emptor, as their staff is ill-equipped for their fiduciary responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This is the first time that I have received anything from XXXX XXXX XXXX, XXXX. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

XXXX XXXX XXXX, XXXX has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.

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