vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a letter from my lender US Bank stating my mortgage was audited and found that I am now required to carry flood insurance. At which point I acquired the required insurance and forwarded the proof to US Bank. The original analysis date was marked XX/XX/XXXX. I was told via phone that the charges to my account would be remitted. I was post charged from the date of the new flood maps covering dates from XX/XX/XXXX to XX/XX/XXXX. I received another notice dated XX/XX/XXXX stating that I am still being billed for the previous year. I have been able to find the instance stated by consumerfinance.gov that states a required 45 day hold before coverage is applied by lender. Please advise me if I owe this balance or I am not able to be charged.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with chase. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with transunion. It's been over 30 days and there are still accounts that haven't come off.

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 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR resources debt collectors trying to get money from patient when insurance say we are not responsible for payment to Dr or collection agency in the amount of XXXX, insurance has contacted Dr and collection agency but still shows up on XXXX credit report. Have documentation to support that we have no responsibility to Dr or collections. We paid our copay in full at time of service. Emergency room visit. This was an emergency room visit and our obligation is a flat XXXX copay per our insurance policy which was paid in full by patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I started attending XXXX XXXX in XX/XX/2009. I went a year without any problems. Then I went through some life changing problems and had to stop schooling for a short time, about a month or two. When I went to re-enroll they had canceled my program, XXXX XXXX, and could no longer get a associates in that area of study. So I switched programs but they just were not for me. Now I have all this debt, no degree and credits that nobody wants. I'm stuck and very upset about it. No one wants to work with me on figuring out a solution other than asking for the loan payback. 

While attending the college, they were unprofessional and it seemed like they just wanted you to just cruise through the courses. What I mean is it seemed like they just passed you no matter if you learned the studies or not just to get you out of there. I feel like I learned nothing from this college other than how to spend a ton of money while getting absolutely nothing in return. I was trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.

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 2018-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have a vehicle loan with Ally Financial, for {$200.00} on the XX/XX/XXXX every month. I had auto billpay set up, and in XX/XX/2017, I received a bill pay check in the mail from Ally. I turned off my bill pay for the month from XXXX XXXX and deposited the bill pay check I received. The amount {$200.00} was taken out of my account twice by mistake since the automatic bill pay still went through and the bill pay check was deposited. I asked XXXX to reverse one of the payments since I was charged twice. I was then contacted by Ally, stating that when they tried to collect my payment it was denied by my bank. I informed them I was charged twice and only reversed one of the payments, my XXXX   account matched this information. Ally responded by saying that they only received one attempt at payment, which was declined and they proceeded to charge me a {$10.00} late fee, in addition to an extra {$200.00} to be paid on top of my next payment. I spent countless hours contacting XXXX   XXXX and Ally to figure out where the problem was, even going as far as to send multiple copies of my bank statements to Ally highlighting the error, and opening several investigations. Each time I was told an " investigation '' was underway, I was told to call back again in 10 business days. Each time I did this, the person who I reached at Ally had no knowledge of the investigation, and none of them were capable of pulling up my bank statements, despite me sending multiple copies. After weeks of correspondence, I learned that the bill pay check that I deposited was taken by XXXX, ( deducted from my account ), was never received by Ally. This made my extra payment reversal appear as though I reversed my only payment on their end. I was told that they have no records of the check ever reaching them, and they even ruled out the possibility of it being deposited to someone else 's account by back checking the check number.

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 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been with chase credit cards for over 2 years and they kept me at the maximum apr rate i tried to call to resolve they told me they will not lower my apr. I havent missed a payment ever and have top tier credit score. I dont understand why they are doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
XXXX XXXX  attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt.

Early in XX/XX/XXXX I received a letter from XXXX attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee. 

After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino. 

I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''. 

I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX   had fees before XX/XX/XXXX. 
-Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees. 
-These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties. 
-A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary. 
-On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.

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 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
My mortgage was purchased by PNC Bank. I tried to pay extra money directly to the principal of my mortgage. I wasnt able to pay without a checking account with the bank or process which required extra fees. When I contacted the bank they told me to mail in a check. What kind of national bank does not have the option to electronically pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt. 

Early in XX/XX/XXXX I received a letter from XXXX  attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.

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 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
Beginning in XX/XX/XXXX, I transitioned my federal loans from XXXX to XXXX XXXX to join the public service loan forgiveness program. The transition was completed on XX/XX/XXXX when I received a welcome letter from XXXX XXXX ( attached as XXXX 1 ) At that time I had been enrolled in the REPAYE income-driven repayment plan. 

On XX/XX/XXXX I subsequently received communication from XXXX that my current income-driven repayment plan was ending on XX/XX/XXXX and that unless an application to renew the plan was received within 10 days of XX/XX/XXXX, that my payments would increase to {$0.00} beginning on XX/XX/XXXX ( this letter is also attached as XXXX 2 ). 

On XX/XX/XXXX I received another letter stating that my IDR application must be received by by XX/XX/XXXX. " If we do not receive your application within 10 days of this date, your monthly payment is estimated to be {$3000.00}, first due on XX/XX/XXXX. '' ( attached, XXXX 3 ). 

My IDR request application was submitted on XX/XX/XXXX and approved on XX/XX/XXXX by XXXX, and I received email correspondence from XXXX confirming both events. ( attached XXXX 4 and 5 ). 

I again received correspondence stating that my new payment plan would be XXXX monthly beginning on XX/XX/XXXX. ( attached as XXXX 6 ). 

On XX/XX/XXXX I received, WITHOUT ANY written notification or warning given to me by XXXX or XXXX beforehand, a billing statement from XXXX for {$3000.00} ( attached as XXXX bill ).  This is despite submitting my income-driven repayment plan application while currently being under an active IDR plan ( REPAYE ). 

At this point I attempted multiple phone calls with XXXX customer service and spent upwards of 3 hours between holds, talking to multiple people, before being told that there was nothing that could be done because there had been a lapse in my repayment plan that I was NEVER notified of. The result being that this {$3000.00} payment would now be put into forbearance ( attached, XXXX forbearance ). 

My issue is that I was charged {$3000.00} months before I was told that I would be charged this amount, with my IDR application submitted, received, and approved well within the time window established to me by XXXX in order to avoid such a charge. The result is a massive payment of my loans which is now in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not open the XXXX car loan. I have disputed the case but it reports as accurate. I filed a complaint XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX. 

LoanCare I was approved, as a XXXX veteran, for homestead exemption. in XX/XX/2018. I was told by the XXXX County Property Appraiser office, that they do not notify the mortgage companies, since, everything is done on line, the mortgage companies, can get the information on line, or call the XXXX County office. 

Since the date I was approved, I have called, and notified the mortgage company, on numerous occasions, that I was approved for this deduction. Everytime I called, I was told that it needed, to go to the tax department. I talked to the tax department on four ( 4 ) different occasions, and was told, that it would be escalated, to be taken care of. 

On XX/XX/XXXX, I was told that, I needed to provide proof of the homestead exemption. I sent a copy of the exemption letter to them, and it has still not been resolved. 

Another matter is that on XX/XX/XXXX, I submitted a house payment, when two ( 2 ) days later it did not show up in pending payments, I assumed, I had not correctly submitted the payment, so I submitted a payment again. On the XX/XX/XXXX, it showed as a payment pending, I spoke to a representative who assured me that the payment submitted for XX/XX/XXXX would not go through. On XX/XX/XXXX a payment was submitted to my checking account which charged me XXXX, I called the customer service department again, and was told that they could not stop payment. 

I was told that, even though, I called on XX/XX/XXXX, they would not stop payment. So I was charged twice ( 2 ) by XXXX {$29.00} for non sufficient funds, and I received a notice on, XX/XX/XXXX, from  the mortgage company, for {$49.00} return check fee.

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 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not open the XXXX car loan. I have disputed the case but it reports as accurate. I filed a complaint XX/XX/2017

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 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I began receiving federal student loans to help pay for college. I initially received my loans through XXXX XXXX. At some point in the last 5 or so years, Navient bought my loans and I began to pay them. I believe this complains is aimed at Navient. I worked as a XXXX XXXX for the County of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time I was making my student loan payments under the impression that I would qualify for the XXXX  XXXX loan forgiveness after 150 ( or 160, I forget the exact number ) payments while working as a qualifying XXXX XXXX. Sometime last year, I believe in XX/XX/XXXX, I reached the required number of payments and years of service, qualifying for the loan forgiveness. I contacted Navient almost immediately after the final payment necessary and was essentially told that the name of the loan was wrong. I had federal loans, but the excuse I was given was essentially something along the lines of, your loan is named loan1, and in order to qualify, your loan would need to be named loan2 I was told I could have them change the name of the loan and begin the 150 payments all over again from that point and I would qualify for the forgiveness when I reached 150 payments, again. At the time of this news I think I only had a balance of around {$2500.00}, so I just cut my losses. A couple of weeks ago I fully paid off my loans so as to never deal with these people again. I have XXXX balance with these people but I still perceive this as a colossal injustice after being promised something and holding up my end of the deal. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2015 I made a withdrawal from a XXXX XXXX  ATM in XXXX XXXX XXXX XXXX, XXXX. I withdrew XXXX VND using my Chase Bank debit card which at the time was equivalent to {$95.00} USD. After checking the withdrawal amount out of my Chase checking account I saw that Chase had debited my account well over {$200.00} USD. I immediately contacted the XXXX XXXX  and they were very helpful and sent me a receipt of the ATM transaction. I filed an investigation with Chase Bank and was told the only option that I had was to cancel my debit card which was impossible for me to do at the time. They told me that I would not be receiving a refund for the correct amount. I advised them that I had a receipt of the transaction and I believe I was told they didn't even want to see it. I believe that Chase bank made a gross error in the exchange rate as the amount I was debited compared to the amount received from the ATM. In fact, the amount debited was not even possible to be requested by the ATM as it would have been over the limit for that ATM withdrawal.

Company response to consumer: Closed with explanation