vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I started having problems with this company last year when they couldn't figure out where to put the extra money I paid for my escrow account. so I received a letter stating there was a shortage so I called and was told if I paid the full amount the monthly mortgage wouldn't change so I did. since I was late reading the noticed I paid {$150.00} for XXXX then I paid regular mortgage {$990.00}, I also paid a total amount of {$1000.00} for the escrow shortage and fees. I spoke to a XXXX XX/XX/XXXX to ask why the money wasn't put into the escrow account she said it was but the statement showed otherwise. so after that I kept getting new charges and my mortgage went up double, I called again on XX/XX/XXXX and spoke to XXXX # XXXX, she informed me that that the extra money I sent was put in a 'SUSPENEDED ACCOUNT ' not put in the escrow, and they were taking money to apply to my mortgage which I was told would be {$1000.00} but since they didn't apply the amount to my escrow they were taking it out of this account each month?? so she said she would put it all in the right account and I still had to pay and additional {$170.00} total me paying {$1300.00} and everything was supposed to go back to the {$1000.00}. which I paid over the phone. but the next statement was like I hadn't paid any of the fees and I get a letter stating delinquent and he said I missed a payment I have never missed a payment in the 16 yrs that I had my house. they are making me late with other bills paying extra money, now I can't refinance because of other payments this has dropped my credit score. I am so disappointed with this company. I want it cleared so that I can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX -- Use of credit card issued by Bank of America was denied by merchant although card was current in payments. Call to BOA customer service who informed me that I am deceased, and provided number to BOA estate unit. I have two BOA credit cards, and since it is a separate customer service number I called it, was given the same information except was told that the estate unit does not have a direct line ( WRONG ). 
XX/XX/ -- called the estate unit, asked who reported my death and could receive no answer to that question. Was told that BOA does not need a death certificate to verify the report. Was told that credit to the cards would be restored in 45 minutes ( WRONG ). Several hours later I attempted to use one of the cards, it was refused, called customer service again and after a long time on hold was informed that it takes 24 hours to restore credit. 
XXXX XXXX XXXX -- BOA mailed out condolences on my passing. Although dated XX/XX/XXXX on the letter, postmark on the envelope was XX/XX/XXXX. Letter attached. 
XX/XX/XXXX -- received letter from BOA dated XX/XX/XXXX, apologizing for the error, and saying to call if I have any questions. I asked the following questions to the BOA representative XXXX : 1 ) BOA has my phone number and my email address. Why did noone from BOA attempt to verify my demise? 2 )  Who reported my death to BOA? 3 ) Which consumer reporting agencies did BOA contact? XXXX had no answers, I asked to talk to his supervisor, and he said " You can talk to my supervisor, my supervisor 's supervisor, and my supervisor 's supervisor 's supervisor and they can not answer your questions. 
XX/XX/XXXX-- I went online to BOA to pay the bills on the two credit cards, was denied access to do so, had to contact customer service to correct the problem because BOA never cleared electronic access.

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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX  has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I'm trying to link my account with coinbase.com a cryptocurrency account But it saying.. I am blocked. 
Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I requested that the public records of my bankruptcy be removed from my credit report. I have received a letter from the third party that the credit bureau has paid to collect this information ( attached ) and I would like this information removed from my credit report. I have disputed this item a number of times with the results being that the information is accurate and verified. I never received notice on who verified the 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 2018-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX. I had a HELOC {$49000.00} which was discharged in XX/XX/XXXX in a bankruptcy and Chase Bank started forclosure proceedings in XX/XX/XXXX. I have paid XXXX XXXX XXXX XXXX an attorney ( XXXX XXXX, XXXX ) to resolve this issue since XX/XX/XXXX. I refinanced in XX/XX/XXXX and the title company involved in the closing was negligent and did not obtain a subordination notice for Chase bank to sign {$0.00} balance lien even though it was the same title company that handled a refinance in XXXX. This put Chase in a position before XXXX XXXX ( Chase 's claim ) to foreclose on the property in XX/XX/XXXX. A clerical error which has put XXXX XXXX in a position to loose their first mtg of $ XXXX. I have retained another attorney and still can not get any resolve on the matter. There are many documents and facts in this case and wanted to start off with minimal information until I am contacted from your office. Chase Bank is now forcing me to take a loan modification for an undisclosed term and I need help as an individual can not go against a multi XXXX dollar organization like Chase bank, # 3 JPMorgan Chase Market Cap As of XX/XX/XXXX {$300.00} XXXX info from XXXX website Chase Bank will spend {$500000.00} on legal fees for this case for this {$49000.00} debt that was discharged. I can not negotiate with them and in need of assistance regarding the rules and laws with collection of this debt and the current foreclose on the property after my bankruptcy 7 years ago. 
Please advise, Best Regards, XXXX XXXX - XXXX C #, email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: FL

Complaint narrative:
Had a mortgage with Wells Fargo Home Mortgage about 10 years ago. Received an alert from XXXX XXXX that Wells Fargo removed my account from my credit report and caused an 11 points drop on my credit score. Contacted Wells Fargo but couldn't get help.

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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: GA

Complaint narrative:
This account is fraudulent and XXXX XXXX XXXX XXXX. I know they retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. They are still with this trickery and foolery. 

I need to know what could be done to this company criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. That account is fraudulent. This is unacceptable and unenforceable, and this is an unscrupulous attempt by this company against me. They are only worrying about saving their brand, and not helping the consumer. 

My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were hell-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. This company has a strong dislike toward Veterans, and Gold Star Family Members. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this Gold Star Family member. Please? 

I am filing this complaint because they made a threat against me. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX XXXX XXXX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report. 

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I can present my deed to my house. I have contacted Fair Debt Collection Attorney this morning and I am waiting for a return call. 
However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia. I am resolved to the fact that XXXX XXXX XXXX XXXXn is a XXXX   and a gutless wonder! Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? 

XXXX XXXX I need your help to put an end to this harassment. They are too stubborn, and they are too crooked to satisfy consumers. They are too concerned about their brand at the expense of Veterans. This company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers,

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 2018-05-15 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: DISCOVER BANK
State: NJ

Complaint narrative:
I had an attorney who is working on my case since XX/XX/XXXX, fail to file and protect financial interest in my XXXX   proeprty in Ohio case, lack of authentication rejected my claim for money owe by defenadat what he borowed against my trusted property since XX/XX/XXXX and XX/XX/XXXX, i had provided bank verfiabe USA bANK  documents still he did not file and proetect my interest, he also lie to me that he file XXXX deposition of fedendants, he did not aftere receving entry from XXXX county court clerk XXXX XXXX, and he did not impeach those defendat and he lost my case for around 900k, he also has doen poor job for not enforcing judgemtn what was graqnted sicn XX/XX/XXXX, let defendat do what ever he want to do with his money and fail to collect my judgments, now he want to do more work search etc also telling me lie since XX/XX/XXXX that judgment against whome i have may be that person do not have any investment in any business, may be he will go for bankruptcy, only thing he is inteested is just to collect fee from me and not delivering honest result of my letitgation and ocllection of money, i have to contact other attonrney and now they are asking why you have not collected since last two year for judgment? Why interest rate is only very low why not 10 % or higher, all thing lead to me that my attorney did not do honest and proper job he do not deserve any legal fee from me a, d going to pursue to go to suprem cour tof Ohio for his disciplinary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Follow up on this claim which was closed but needs to be followed thru -Complaint number : XXXX This claim was closed regarding XXXX since the check was deposited with Citi Bank but Citi Bank has the check since XX/XX/XXXX and deposited it into one of their accounts and has yet to deposit the check into my account after calling them several times and visiting a branch in XXXX XXXX , Florida . They told me I needed to open up an investigation regarding the check which I did but nothing has happened. The check has my name on it but for some reason XXXX sent it attention to Citi Bank, c/o XXXX XXXX in XXXX Citibank branch.Check # XXXX dated XX/XX/11. I don'yt understand why the money has not been transferred to my citibank checking account as of yet.

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 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Equifax provides credit monitoring as a result of previous data breaches. It is called the TRUSTED ID PROGRAM. I do not pay for a subscription. I review what they send because of the data breach. They have sent several NOTICES OF RECENT CREDIT ACTIVITY To me. It includes a login ( which I followed ) links to your account and shows for several items. It also includes assistance telephone numbers just for resolution. When you call the number you could extended series of options all of which have to do with purchasing additional products and none of which are directed at resolution. When you get a representative all they can do is give you another telephone number for the credit dispute department ( which any of us couldve gotten into seconds on the Internet anyway ) and offer a dial-in number for you. 
It is absolutely nothing but aggressive marketing disguised as warnings about identity theft. It is wrong. I have the notices that they sent me and can provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: NJ

Complaint narrative:
I have a AAdvantage Citi Card MasterCard. In XX/XX/XXXX, I was looking at my account and noticed that my mailing address had been changed to an unrecognized address. I called the company and later learned that the following things happened on my account and I was NEVER notified : Someone logged on as me, changed my address, added an authorized user and requested a new card be sent to the address. All of these actions were not authorized by me and Citi did not do ANYTHING to protect my security. I realize that unauthorized actions happen, but the fact that all of the above happened and I never received one confirmation email, phone call or alert to ensure I authorized the changes. I've called and complained and ask for more information and have yet to find resolution. I've asked for call backs and have not received them.

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 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Hello I have a ton of student loan late payments on my credit report. I can not remember who I spoke with but at the time my father was XXXX from XXXX. I asked them adjust my credit report and nothing was done. Naviet is very nasty and does not commuincate with consumers very well. They failed to understand my situation my loans went into default, high interest, and more. Now my that my loans are in good standing, they still want update my credit report. All Im asking them to do is to treat me right because they are rude in so many ways. Please them to update my credit report and remove all the negative late payments. Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Credit Karma, LLC
State: FL

Complaint narrative:
Had a mortgage with XXXX XXXX XXXX XXXX about 10 years ago. Received an alert from Credit Karma that XXXX XXXX removed my account from my credit report and caused an XXXX points drop on my credit score. Contacted XXXX XXXX but couldn't get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
One XX/XX/XXXX, Capital One made a decision to close all my accounts. One of the accounts was a savings account I am a co-holder with XXXX XXXX, my daughter as a minor. One XX/XX/XXXX, I called Capital One because I have not received the closed out amount of {$100.00}. I was told that day that a cashier check has been mailed to me and it would take 10 business days. I was told if I don't receive the check by XX/XX/XXXX, I can call again. I did not receive the check so I called on XX/XX/XXXX. I was transferred to at least three times and after 30 minutes, they can't seem to be able to explain what happened my XXXX 's balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I HAVE TRIED TO FIX THIS PROBLEM ON NUMEROUS OCCASSIONS WITH THIS COMPANY. THEY CLAIM TO HAVE PURCHASED MY DEBT FROM XXXX BUT HAVE YET TO PROVIDE VALIDATION OF DEBT. ANYBODY CAN FILE A JUDGEMENT AGAINST AN INDIVIDUAL. THEY HAVE SENT THIS DEBT TO SEVERAL DIFFERENT ATTORNEYS AND HAVE SENT NUMEROUS STATEMENTS WITH DIFFERENT AMOUNT OWED. THEY HAD TWO ATTORNEY OFFICES GANGING UP ON ME AND SENDING FALSE STATEMENTS WITH DIFFERENT AMOUNTS. IN 2015 XXXX XXXX ATTEMPTED TO GARNISH MY BANK ACCOUNT I REACHED OUT TO AN ATTORNEY AND AGREED TO NEGOTIATE THE DEBT EVEN THOUGH THEY DID NOT PROVIDE PROOF THEY OWNED THE DEBT AND AGREED TO A SETTLEMENT {$100.00} A MONTH FOR 10 YEARS TOTALLING {$10000.00}. I PAID THAT FIRM FOR ALMOST 3 YEARS AND NOW THEY ARE OUT OF BUSINESS. WHEN I ATTEMPTED TO CONTACT THEM THEY ARE NO LONGER IN BUSINESS. THEN I CONTACTED RESURGENT AND NOW THEY ARE SAYING THEY SENT TO ANOTHER COMPANY BUT HAS NOT SENT A LETTER NOTIFYING ME OF THAT NOR HAVE THEY SENT AN ITEMIZED STATMENT OF WHAT IS OWED. NOW I AM ATTACHING A COPY OF SEVERAL LETTERS FROM THEM STATING I OWE OVER {$40000.00} PER THE ATTACHMENT INDICATE THAT THIS DEBT WAS NEGOTIATED TO {$10000.00}. YOU AND YOUR AFFILIATED COMPANIES ARE VIOLATING THE FDCPA LAWS AND FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: FL

Complaint narrative:
Experian is reporting two accounts that do not belong to me. XXXX XXXX XXXX ( partial account # XXXX and XXXX XXXX XXXX ( partial  account # XXXX ). Experian has been contacted several times regarding this error. I would like these two accounts to be remove immediately based on the federal fair reporting act.

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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was in an auto accident XX/XX/XXXX and the car was classified as a total loss by XXXX. They sent SANTANDERCONSUMERUSA the check for the vehicle {$16000.00} minus my {$1000.00} deductible on XX/XX/XXXX. I was left an underwater amount of {$6500.00} since I had GAP insurance XXXX  electronically sent {$5600.00} to SANTANDERCONSUMERUSA on XX/XX/XXXX. I swiftly paid the remaining {$940.00} out my pocket which was the deductible but they refuse to apply the GAP to my auto loan to XXXX  it out. GAP was supposed to help me pay this car off swiftly so I can finance another vehicle. SANTANDERCONSUMERUSA continues to add interest on my account and ignore the GAP payment sent. I was informed by XXXX   after numerous attempts for help that SANTANDERCONSUMERUSA applies this when they feel like it was her exact words. This can not be right and something needs to be done to these negligent companies who abuse there fiduciary duties with unethical business practices soley for there own financial gain.

Company response to consumer: Closed with explanation