vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XX/XX/XXXX I received an notification via e-mail from XXXX letting me know that there was unauthorized use of my account, to change my password. ( Which I did right away ). There was a purchase made for a {$9.00} XXXX and {$140.00} shipping. 
On this very day I called my bank Chase, and made a claim to have my funds returned to me {$150.00}. Chase Bank soon gave me a temporary credit of {$150.00} while they did their investigation on XX/XX/XXXX A month later, I noticed on my bank account that there was a claim reversal for the same amount. I called my bank, and they had informed me that my claim had been denied, stating that my XXXX account ( where the funds were drawn through ) had sent a letter to my bank XXXX stating that this transaction was a valid one, that they would be able to re-open the claim if I was able to send proof that this transaction was not made by me. 

I faxed over the email from XXXX of the unauthorized use of my account, my XXXX XXXX where it shows that there was no transaction on such dates, the notification from XXXX where they had removed the Merchant from which this item was supposedly purchased from. Chase made me wait 3-5 business days before I could get an answer on my new claim. I called back on XX/XX/XXXX and Chase had informed me that my claim had been denied again, because there was a tracking number from the merchant where it said that the item had been delivered on XX/XX/XXXX, this is not the case. I never received any merchandise from XXXX or their third part sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has been harrassing me and threatening to sue me for a debt that occurred in XX/XX/2009. I have asked them not to call me any more each time they call, but they keep calling me on my cell phone. This is not the first time I have had problems with them. A year ago they illegally reaged the account with the credit bureau, and threatened me with legal action, and it only stopped after I filed a complained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: BB&T CORPORATION
State: TX

Complaint narrative:
Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.

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 2018-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX while using their exchange system ( XXXX ) I was automatically logged off and was no longer able to log back in. XXXX would give a message stating " An error has a occured. Please contact XXXXsupport. '' I have contacted both Coinbase and XXXX ( OnXX/XX/XXXX and many times after ) without any resolution or movement on the matter. A ticket was entered and " escalated '' which stated I would receive reply back from their " specialists '' within 4-5 days. It's now been 7 days and still no response. 

I have funds locked up by their system without any reason or explanation from them as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of Gordon, Aylworth and Tami on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called Gordon, Aylworth and Tamis office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I was new to credit game and I got this credit card since I got here in US 2014, it was my first and oldest credit card. I was using it for 3 years with no problem and after I was injured with XXXX XXXX XXXX I was unable to work and behind payment for 30 days late and they sent me letter that they have closed my account and said I am still responsible to paying all debts in full amount. 
I dont mind paying full but after they closed my oldest card my credit score went down so bad its hurting my credit history too. 
Last week i even called to reopen but they say no way to reopen. But I can file request but it wont work the Representative said. Heart broken and hopeless situation.

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 2018-02-22 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I have called them, called bureaus and wrote them disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have called them, called bureaus and wrote them disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am deeply upset that XXXX  continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX  credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

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 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am deeply upset that XXXX continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX  continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX  XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

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 2018-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Pending Company Match
State: PA

Complaint narrative:
XX/XX/2014 I was finance a car people commerce inc and I was paying my note never missed a payment I had a car accident and the car was tolled away the people from XXXX XXXX XXXX was suppose to put the car up and repair it and give me a laoner I called every day about the car I'm was put on hold or was told someone would call me back so I played the cat and mouse game with them for a couple weeks the whole time I was out of work because I didn't have a car the only time I receive a call from, the was when it was time to make a payment here it is 4years later I still have not heard anything from them but they put it on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
PLEASE REMOVE XXXX XXXX SS # XXXX OFF ACCT XXXX OFF MY ACCT AS WELL OFF HIS CREDIT REPORT.

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 2018-02-22 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER CREDIT REPORT.

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 2018-02-22 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: MOHELA
State: PA

Complaint narrative:
I was recently accepted into the Public Service Loan Forgiveness program, and was instructed to make my payments as usual to my current student loan servicer ( Mohela ). 

On XX/XX/2018 I made an online payment to my student loan servicer, Mohela, for {$830.00}. I received an email confirmation of the received payment that same day. 

Mohela processed this payment on XX/XX/2018 and {$830.00} was withdrawn from my XXXX checking account. 

My student loans were then transferred to XXXX XXXX on XX/XX/2018. The payment of {$830.00} that was made to Mohela on XX/XX/XXXX was not transferred to XXXX XXXX. 

On XX/XX/2018 I was notified via mail that my student loan had successfully transferred to XXXX XXXX. I also received a notice via mail on XX/XX/2018 that my XXXX payment was past due. The scheduled payment date listed for XXXX XXXX was XX/XX/2018. 

Upon receipt of this notice, I called XXXX XXXX immediately to resolve this situation. The service representative informed me that any payment I made to Mohela in early XXXX should transfer in a few business days and be applied as a credit to my XX/XX/2018 payment, but that I will need to make a payment that would cover both XXXX and XXXX. On XX/XX/2018 I made a payment to XXXX XXXX for {$1600.00}. 

As of today, XX/XX/2018, I have yet to receive notice and application of the transfer of funds I paid to Mohela for XX/XX/2018. At this time, I am currently being billed for {$830.00} for XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX {$500.00} Bank Of America Secured Credit Card Limit {$400.00} XXXX XXXX The account was open XX/XX/XXXX, I closed the account in XXXX I asked the bank to please take my balance of {$400.00}. as I closed it. 
The bank manager at the time agreed as I could not exceed the credit limit I was given. 
I was not notified, and or given the opportunity to rectify 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 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
On XX/XX/XXXXwe signed a modification with XXXX XXXX XXXXXXXX under the program of NV Hardest Hit with the purpose of receiving long term financial relief. The agreement among the Hardest Hit program and the lender was from the program to pay the lender toward the principal {$50000.00} and the lender to match other {$50000.00}, consequently, reducing from the principal balance {$100000.00}. According to the figures drafted by the bank the principal was {$220000.00} which represents an inflated principal from {$210000.00} to {$220000.00}. A total of {$130000.00} of the new principal balance shall be deferred. The total deferred principal balance will be treated as non-interest bearing principal forbearance and I will not pay interests of make monthly payments on this amount. The new principal balance less the total deferred principal was {$90000.00}. The standard contingent forgiveness principal balance total {$38000.00} all of which the lender agreed to permanently reduce and forgive the total deferred balance. XXXX XXXX XXXXXXXX, intentionally and maliciously offered me a second modifications that according to them was for my benefit on XXXX, and without disclosing to me the terms change of the loan offered me a 3.5 % interest a reduction of 1 % of my previous modification interest bearing, with the deceiving trick of taking away my financial long term relief from the modification of XXXX. They took away my benefit of having the {$38.00}, XXXX forgiven. And without disclosing this terms change to me and hidden the paperwork from my review they added this amount to the new principal balance making up to {$120000.00} which makes harder for me to pay the loan. This modification shouldn't be enforced because we signed the papers on XX/XX/XXXX and the bank rep on XX/XX/XXXX which it was not provided on the required date before XX/XX/XXXX. Consequently, this makes this second modification void, the first one of XX/XX/XXXX is active. XX/XX/XXXXXXXX clearly tricked us because we are elderly and minority. The NV Hardest Hit program was a great benefit to give us the opportunity to stay on our house and have a long term financial relief. The behavior of XXXX is clearly of a predatory mortgage lender. After the illegal change of my loan terms they passed the loan to one of their servicers XXXX, and presently to Bayview with the purpose of keeping me on the loop after inflating my mortgage loan and making more difficult for me to pay the entire mortgage loan and for they to repossess, sell, and make more profit. They transfer the loan one month after to XXXX which behavior showed that the purpose all the way from XXXX was to forclose on us by having XXXX to refuse payments until one day that they sent a threatening letter talking about forclosing and imposing more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX  balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: VA

Complaint narrative:
My credit report states that I applied for this loan on XX/XX/2017. I did not apply for this. I got my car loan in XX/XX/2017. I know nothing about this company as I never received a letter from them as I did from the other companies. My dealer tried other companies that I have a list of. The company is XXXX XXXX XXXX XXXX I have no idea what the " XXXX '' is for.

Company response to consumer: Closed with explanation