vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Omega RMS, LLC
State: DE

Complaint narrative:
I have disputed several times with XXXX and Omega RMS , LLC, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, Omega has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
InXX/XX/XXXX I received a notice from US Bank that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from US Bank alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of US Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with US Bank, past due or otherwise. He then connected me on his internal phone with the US Bank Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice datedXX/XX/XXXX, from XXXX XXXX XXXX XXXX alleging a further increased amount due on the same account that US Bank has already verified is not mine or my wife 's.

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 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
They are saying I'm XXXX behind on payments. I use to pay XXXX a month and now my payments went up to XXXX. I recently had to hire an attorney to help me get in contact with someone from the company, because they refuse to call back or answer letters. I told them I can only afford XXXX a month if they made it go up told me it wouldn't be a problem. Here it is 5 months later, and now on my credit report they say I haven't paid but take my XXXX $ check every month! I just want to resolve the problem, and get this fixed my credit is the only thing hurting!

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 2018-01-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card online changed their website. It used to be that I could schedule a payment date. This time, it took my payment immediately effective today for over {$3000.00}. I called immediately, answered security questions. She was unable to cancel the payment. The place online where I was directed didn't work. I was transferred to another department, answered her many security questions and was again told she couldn't cancel the payment and that there was no recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Coinbase.com is asking consumers to add funds to their account via credit or debit cards. They are then charging the consumers ' ( including me ) cards as a cash advance without proper notification of this transaction before purchase. My and other credit card companies are then charging transaction fees to me and other consumers because of this cash advance. Upon contacting coinbase, I was told it's not their fault and it's the credit card company 's fault. Which is false, due to the lack of proper knowledge provided by them when making the transaction. This problem is wide spread throughout the nation at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: VA

Complaint narrative:
There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS

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 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient.

They have mailed me an generic document on how to repay the debt but that's it.

My total Debt {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX I sent a check # XXXX in the amount of {$22000.00} to PHH Mortgage to pay off my mortgage in full ; I used their own online payoff calculation tool to get to that number, I even included an extra five days to cover any mailing delays. On Monday the XX/XX/XXXX I received a form letter from them and my returned check stating that " Certified funds are required for payoff. '' It seems ironic that over eight years I sent them over 90 personal checks that were always perfectly acceptable to them, not a single check was ever late or overdrawn, I have a perfect record with PHH. This is some sort of a scam or a hustle to prolong the loan by a few more weeks in order to continue to bill a consumer for phony interest charges. This game of theirs cost me an additional {$37.00} in interest and an additional {$25.00} charge by PHH to process the wire transfer. {$62.00} may not seem like a lot of money to you, but if this is their business practice and they are doing this to thousands of consumers then the numbers do continue to add up ; much like XXXX XXXX and XXXX this is a dishonest and deceptive business practice. PHH should be inspected and fined for its business practices. 

BTW ; I made three separate, lengthy and highly frustrating phone calls with PHH before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I have received several phone calls made to my work phone, as well as my cell phone, and my husband has also been harassed via his cell phone, mailed correspondence. This debt was a credit card, original debtor XXXX XXXX XXXX, which is now being handled by XXXX XXXX XXXX or MCM. This debt was paid for an agreed amount of XXXX. XXXX ( settlement ). A check was issued in the amount of XXXX. This check shows as being endorsed by MCM on XX/XX/XXXX. The check was made out to XXXX XXXX XXXX  with myself an my husband 's name listed as in reference to. I spoke with a representative from MCM and was informed that an e-mail was generated to XXXX XXXX trying to locate how the check was credited or if it even was. They also stated that because both of our names was on the check, when the account was in my name, that they didn't know where or how to credit my account. This last contact is the first time someone had explained that much to me. This has been going on since XX/XX/XXXX. They simply keep saying I owe this debt even though no one can explain where the cashed check went to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CO

Complaint narrative:
The credit card auto-pay feature on the Fidelity cc auto-pay website had a major bug in it which prevented the user 's auto-pay form from submitting properly in XXXX XXXX. I am a computer technician and this most certainly was a bug which I have screenshots of. Resulting, I established an auto-pay numerous times but repeatedly I had the same problem with the auto-pay not drawing from my account ( I filled out the form and hit submit, but auto-pay would not work after numerous attempts ). I attempted to resolve this issue several times with customer support and was largely ignored. Additionally, this organization can not seem to get my physical address correct in spite of numerous attempts to correct this on the phone, and resulting I have not received the vast majority of their mail. Also, XXXX XXXX XXXX already admitted fault and refunded me the late fees, but refused to contact the credit reporting agencies to denote this mistake. Lastly, I was expressly instructed by an XXXX XXXX XXXX representative to disregard mail coming from credit services, so even if I did receive a letter I was expressly instructed to ignore it. 

They claim that it's my responsibility to make payments on a card, but since I am a ) not able to set up auto-pay in reliable fashion and b ) being handled negligently by phone support who can not seem to properly record my physical address and c ) since I made a good faith effort to procure payment, I am forced to file complaint here as my numerous verbal and written complaints have been completely disregarded by XXXX XXXX XXXX. 

I have never missed a payment in my life, nor would I allow for my perfect financial reputation to be tarnished by such a small {$30.00} payment.

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 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Negative reports such as Pre-forclosure still in XXXX and multiple late payment reports on my mortgage account considering they are receiving my monthly mortgage payment automatically sent by XXXX XXXX  through our checking account. I was never contacted so it was a complete shock to me and my family that we will homeless unnecessarily! 
I settled the issue with Wells Fargo in order not to lose the house and in good standing but because of these negative reports I can not get a mortgage loan after we already put out house on the market. I was told I could never get a new mortgage loan right now due to this.

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NE

Complaint narrative:
This is an ongoing issue with 21st mortgage Corporation. We have had our loan since XXXX and a voice kept in good standings up until we had a business go under in XXXX. But even then our priority was to get our home payment in as timely as possible. I was trying to call and deal with these people to let them know the plan. We've had an ongoing issue as I got hurt at work in a file for work comp. The staff in the entire company is so unprofessional with her attitude and demeanor is atrocious. I finally have my wits end today as I told them we have a plan to resolve but are waiting upon the US Postal Service. I was informed that I need they need to know exactly when I would be resolving, so I again told them the processing had been done at the company for the plan to get caught up with our payments, and just waiting for the US Postal Service to deliver the payment. As soon as payment is received I would be making a payment to them. Their response was as usual I'm irresponsible and have no priorities. Then we have to rehash the last 18 months of how we ended up where we are now even though they're supposed to be keeping records of all the times I have called and kept them up-to-date on all the developments that have happened in those 18 months. The one lady even said that's too far back it doesn't matter to her even though it's relevant to the Fact we are waiting on Workmen 's Compensation. After hanging up on them because there is no resolution possible since they demanded I have the payment in by closing time today or else. I found the hope counseling number on the Federal Trade Commission website. I worked with a counselor there and conference called 21st mortgage. Goal was to figure out some type of loan modification or plan to get caught up and they have no plans and they do not put dissipate with mitigation at all. She couldn't believe that they didn't work it any way shape or form to get a person caught up on their loan. He was at least professional in dealing with a phone call. When I have to call them again I will definitely be utilizing that the counselor has them mediator. They really need to work on training their staff to properly and professionally deal with collections versus the bashing, belittling, and bullying that is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a formal complaint regarding 8 inaccurate credit accounts via certified mail through the USPS on  XX/XX/XXXX. I received notice the organization in question received the certified letter in XX/XX/XXXX. On XX/XX/XXXX I sent another letter via certified facsimile stating the 30 day investigation period had passed and the listed accounts needed to be removed. The organization removed the accounts in XX/XX/XXXX but re-inserted the same accounts on XX/XX/XXXX. I waited over 30 days for a response as to why and no response was given. On XX/XX/XXXX I sent another letter addressing the removal of the inaccuracies and the failure to provide an explanation for the re-insertion after removing the information at first. It is now XX/XX/XXXX and 30 days have passed and I have sent another letter addressing the failure to respond within the applicable timeframe as well as the violation they have committed due to not providing notification nor explanation to the re-insertion of the inaccurate information and have yet to receive any notification that the inaccurate information has been removed. I have facsimile confirmations showing proof that all correspondence was sent successfully.

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 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I sold a vehicle ( private party ) that was financed with GM Financial. There were two checks included with the loan payoff form ( the first : {$12000.00}, and the second : {$13000.00} ). Both were cashed on XX/XX/XXXX, however only one ( {$12000.00} ) was applied to the account. I have had to contact GM Financial over a dozen times, by phone and by website chat. I have provided signed front and back copies of the check to at least 3 individuals as requested and still have no resolution. In the meantime, I am making payments on a vehicle that was sold two months ago. GM Financial seems to be in no hurry to help resolve my issue and it seems absurd that it would take this long to locate a check that was already cashed by the company. I sold the vehicle for more than I owed, so I am waiting for approximately {$2600.00} to be refunded once the check is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
XXXX mortgage shows that we are 3 months down we have been caught since our filing in 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 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I recently bought car from XXXX dealer in XXXX XXXX NJ and I got financing from Honda financial services. My salesman told me I am getting 1.9 % financing as advertise by XXXX XXXX and when I sign the document I did not check to see if I am getting 1.9 % or not I just sign the documents trusting my sales man which was my mistake and I sign loan for 5.45 % instead of 1.9 % this was deliberate act on dealership part by not informing what I am signing also I have excellent credit score of 840+ and if I don't get 1.9 % who will? I believe Honda financial services license should be canceled for unfair practice in lending.i believe Honda financial services is involved in steering by charging higher interest rate for certain type or group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
When I signed up for the account I set up a two factor authentication with a phone number I have since lost. To recover access Coinbase requires and ID. While I am residing in the US I am a XXXX XXXX. I have sent them a XXXX ID, XXXX drivers license, XXXX passport, Massachusetts Liquor ID ( which is missing one of my last names ), and 2 statements from my bank  with my name and address. Yet, I have still not been granted access to my account and am not receiving responses from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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:
I have disputed the following accounts due to identity theft : XXXX XXXX  XXXX XXXX XXXX XXXX I have submitted my police report along with my identity theft affidavit. Equifax reported back and said these accounts were verified after I clearly submitted a police report and identity theft affidavit. I have already started the intent to sue process and I want these accounts deleted ASAP. The XXXX XXXX has like 2 years of non reported entries and that is clearly a sign of not report accurate information which is a violation and I plan to get monetary damages. I have proof that you sent me a template verified letter back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: NV

Complaint narrative:
On XX/XX/18 I filed with Experian credit Report disputing alot of errors, and 1 account never was not opened by me one account is current ( XXXX XXXX XXXX ), and one collection that was also not opened by me. They said they would investagate these accounts ( XXXX XXXX Credit Card ) ( XXXX XXXX University ) and, a collection with XXXX XXXX XXXX company. All these accounts I never opened, or owe any money to. I also filed with XXXX and, XXXX about a month those two credit companys did there investgation and, found during there investgation in fact I never opened and, of the accounts above. Experian credit report company waited about three hours and, sent me a email the same day I disputed today XX/XX/18 saying they where not changing anything and my credit report was updated. Ok so are you going to investagate this in one day normally its takes up to 30 days experian did not do any type of investagation and, is damaging my credit by not removing fraud accounts. They other companys did remove them from my credit reports. This is against the ftc and, that is why I am filling not only a compaint here but, also with BBB.

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