vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from chase, opened it and realized it was addressed to someone else ( XXXX XXXX or XXXX XXXX XXXX ). However the letter was addressed to my current address and regarding the house my husband and I sold XX/XX/XXXX, but neither of our names are on the letter. The letter is regarding " the amount of mortgage insurance, private mortgage insurance or VA funding ee you paid in calendar year XXXX '' I called chase to request information regarding the letter- Were the names mixed up? Did they send our personal information to someone else? Is this our information under someone else 's name? Will this effect our taxes? 
Chase would not give me any information since the loan was not in my name although my husband has previously authorized me to have full access to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
It was my daughters loan originally. She stopped paying & since I am the co-signer. I took over & agreed on an amount ( {$120.00} ). It was all I could afford. The loan was XXXX XXXX originally. Then Navient took over. A year after my agreed upon amount was made, they doubled my payment & have been over charging me ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I was sent a loan modification application by my mortgage servicer, Ditech in XX/XX/XXXX. I promptly completed the application and provided them with all of the request documentation including pay stubs, bank statements, signed tax returns, etc. on XX/XX/XXXX. Ditech assured me that a decision on my loan modification would be made within 30 days. It is nearly XX/XX/XXXX and no decision is made and my foreclosure case continues to proceed in court. I call Ditech weekly and ask for an update on the status of my loan modification application. XXXX XXXX from Ditech is very polite and indicates that the " underwriters '' are still reviewing my application for modification and that they will contact me when a decision has been made. It has been far past the promised 30 day decision turnaround and I am growing increasingly frustrated with the tactics of Ditech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I have a car loan with Huntington Bank. I filled out paper work with Huntington to initiate auto draft for loan from bank account. Two days prior to the day my payment was due, I called to confirm it was setup correctly and good to go. They confirmed it was setup correctly. Huntington bank drafted the money from my account on the day the payment was due. Few days later, I got a call from Huntington stating that my account was past due. I sent them copy of my bank statement showing that money was taken out of my account by Huntington for the loan. They told me the issue will be resolved in two days and I would get a phone call. Nothing happened and I called back two days later and gave them additional information my bank provided that could help. I was again told they are working through the issue and they would call me in 2 days. Two weeks passed and nothing came out of this. In the meantime, I kept getting letters in the mail stating that my account is past due and they are sending it for collections and charging late fees. I called again this Saturday, they said they don't have any information and can't even tell if my account is even set up for autodraft. They kept me on hold to check for over an hour and then hung up. They never called me back. My account will be autodrafted on this Tuesday for loan payment. This should have been fixed two weeks ago but no one has been able to help me. Instead, I get pushed from one person to another. I called back today and additional {$400.00} has been drafted from my account. Now they are telling me they never called back because they didn't have a proper phone number to call back when I had them update my phone number over two weeks back. In addition to that they are saying that I was never setup for autodraft even though they saw copies of my bank statement. They are asking for copies of checks which I can not provide because I didn't write a check and it was autodrafted. I don't know what to do at this time and I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is concerning AMEX credit card practice of charging " Trailing Interest ''. This practice charges interest on a monetary debt that is has been paid. I was charge interest XX/XX/XXXX - XX/XX/XXXX for a debt that had been paid on XX/XX/XXXX. How is it legal to charge interest on money that is no longer a debt? 

XX/XX/XXXX charge balance due. 
XX/XX/XXXX balance paid in full. ( less than 24 hrs late ) XX/XX/XXXX AMEX interest of {$69.00} was added to my account for XXXX charges. 
XX/XX/XXXX balance paid in full ( including XXXX interest charges ) XX/XX/XXXX balance was due ( but already paid ). 
XX/XX/XXXX AMEX interest of {$46.00} was added to my account as " Trailing Interest ''. 

AMEX claims this Trailing Interest is for the carrying over of a balance, but I only carried over 1 day ... ..SO HOW DO THEY GET TO CHARGE ME FOR THE OTHER 22 DAYS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26 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: TX

Complaint narrative:
sent police report id theft victim
also id theft gov 
ftc 
inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc.
State: NJ

Complaint narrative:
Hello. I currently have a collections debt showing up on my credit report from Ideal Collection Service for the amount of {$2800.00}. From my knowledge this was a lease break fee from when I lived with my ex fiance in XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX FL. OnXX/XX/XXXXthis collections amount was made. I never received any notification that anything was owed or I was in any type of wrong. I feel as if I should be given some sort of hardship break. As I try to make sense of my collection amount I wanted to see out of good faith if you were able to remove this off of my credit report. At the time I was going through a very hard break up with my ex wife and was forced to move as I could not afford the rent. I am currently getting back on my feet and plan to catch up with everything. 

Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: TX

Complaint narrative:
sent police report id theft victim
also id theft gov 
ftc 
inaccurate information

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 2018-02-26 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: TX

Complaint narrative:
sent police report id theft victim
also id theft gov 
ftc 
inaccurate information

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 2018-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: KS

Complaint narrative:
I entered a loan with XXXX XXXX ( Duvera ) in XXXX when purchasing a puppy from XXXX in XXXX of 2017. The details were {$2500.00} loan with $ XXXX monthly payments with no interest. However as I look at my account there is an interest rate of 151 % and they have put my balance at {$2400.00} while I have paid {$1500.00} and they have charged me for {$1400.00} in interest. This is not correct and I was informed multiple times there was no interest. I have called XXXX and they have said they can do nothing about the interest accumulated and were very difficult to even talk to.I told them that I was told there was no interest when agreeing and asked what can I do to finish paying off my loan with no interest like we agreed upon. I am unsure what to do now. I want to pay off the remaining {$900.00} I owe on my loan but will not pay the {$1500.00} plus in interest that was never talked about or agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is in regard to Bank of America and a account promotion I received for opening a checking account. The complaint is for deceptive marketing practices and failure to honor terms of agreement. 

I opened a checking account at the branch in XXXX MD on XX/XX/XXXX and mentioned to the representative that I was there specifically for the promotion. I brought a copy of the promotion received. 

The stated promotion I received was for {$300.00} for direct deposit totaling over {$4000.00}. I completed the terms in early XX/XX/XXXX. I called the bank representative XXXX XXXX in late XXXX and she assured me on XX/XX/XXXX that I would receive the promotion and gave me a personal call stating that. 

As of XX/XX/XXXX, I still have not received the promotion and she is now backpedaling what she told me and for me to contact XXXX XXXX to have the promotion paid, which doesn't make any sense to me. This is completely deceptive and I want the promotion to be paid as I have fulfilled the terms of the agreement.

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: DE

Complaint narrative:
XXXX XXXX XXXX debited my bank account twice for a scheduled etf payment of {$3900.00}. This is not a small amount. I called them and they said it would 17 days to refund the money to my account. This is wholly unacceptable.

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 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have in my XXXX XXXX collection account from I C SYSTEM and I already call the collection company and they said, he cant find nothing in my name or social number, when I tell the person in the IC SYSTEM I have this debit colllection he said he cant take off from m report credit because he cant find anything about the debit account, in my name or social security and I want discharge this because not body know anything from this 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 explanation
Consumer complaint received 2018-02-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Experian. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Experian has failed to provide the method of verification as required under Section 611 ( a ).

Experian has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Experian updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nicholas Financial Inc.
State: MO

Complaint narrative:
On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: OH

Complaint narrative:
We purchased a XXXX XXXX XXXX inXX/XX/XXXX.  The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. 
I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. 
I don't want to be responsible for the balance of the loan after XXXX sales the it. 
What legal action can I take. Is there a class action suit I can take part in.

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 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My vehicle loan, with Ally Bank was paid up XX/XX/XXXX. Calling for title is the only way you supposedly can get it.XX/XX/XXXX-XXXX XXXX, called, punched buttons - title promised 8-10 days ; end of 8-10 days - no title! XX/XX/XXXX -  XXXX XXXX-called again, punched buttons, title promised 8-10 days. End of 10 days, no title. XX/XX/XXXX-called again, punched buttons requesting title - end of time frame - no title.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC.
State: NC

Complaint narrative:
Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I checked my Wells Fargo online account today and noticed that it showed a {$290.00} balance but {$0.00} available credit. I have a {$1000.00} credit line on this card. I checked my posted transactions and saw that 2 recent payments had posted to my account ( {$360.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX ). I emailed Wells Fargo immediately and was told that these payments were " on hold until XX/XX/XXXX and XX/XX/XXXX '' as I had made " too many payments '' to my account this month. Another check of both my Wells Fargo account and my bank accounts showed that not only does my Wells Fargo show these payments as posted, but my Bank accounts show the money as having been withdrawn from my bank accounts on XX/XX/XXXX ( the {$410.00} payment ) and XX/XX/XXXX ( the {$360.00} payment ). In addition, I received my most recent billing statement from Wells Fargo via email on XX/XX/XXXX showing a balance of {$370.00}, which obviously includes the payment of $ 400+ that I had made on XX/XX/XXXX. Lastly, that billing statement has a due date of XX/XX/XXXX that I would not be able to pay on because I have " paid too many times. '' Quite frankly, I feel as if I have been robbed. Am I being charged interest on these non-payments? The money was taken from my bank accounts but is somehow not being paid towards my credit card. Yet, it is SHOWING as being paid towards my card when I check my account. But, Wells Fargo says it isn't. So, the payment is being posted according to them but it isn't being posted? Also, will I be penalized for going over my credit limit when I have nearly {$700.00} before I reach my limit? This is ludicrous.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Trident Asset management is trying to collect on a debt of XXXX not owed. I am asking for contract with Trident. I am requesting for this debt collector never to contact me with harassing calls or letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
my personal info was used to open credit card with Barclays bank, they changed my address and no statement was coming to me. When I found out the problem I called and reported it to Barclays in XX/XX/XXXX, the charges on card was {$10000.00} then. They closed the card and issued credits. on XX/XX/XXXX they sent me a credit check for {$200.00}.

Now they are sending me a different credit card saying I owe {$31000.00}, I have called and sent them letters they do not reply nor call me back, and now they send a different card saying I now owe {$13000.00}, these cards are not mines and they still have it on my credit report with the fraudulent address.

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