vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite
State: IL

Complaint narrative:
I was having my paycheck garnished for students loans. I contacted a company who told me they can stop the garnishment and lower my payments. The company is 77 Elite in XXXX XXXX Florida. I was asked to make an upfront payment before they can start. I did and it was a large amount they charged me. This occurred over a year ago. I am constantly being asked to fax paperwork then I get it from 77 Elite that it isnt clear for me to fax it again. When I call they give me the run around saying they are handling the situation but nothing. I keep sending the same paperwork over and over. I then get we need new paperwork because the documents they have are 30 days over but why didnt they send the paperwork to my student loan company its their fault. Im tired of sending documents over a year and no answers.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We set up auto pay for Bank of America Alaska Mileage Plan and we set it up to pay on the XXXX of each month it is not due until the XXXX, we gave enough time for the bank to get the money, YET EVERY MONTH THEY CHARGE US {$38.00} in talking to other Alaskans who have been duped into getting the Alaskan Mileage accounts, they all suffer too. We never can use the alleged 30 % coupons because when you do, its 4 times higher to try to use the coupon. Third, the " companion fare '' is a joke, if you don't log in and attempt to book a ticket it is around {$220.00} but when you attempt to use the " companion fare '' it is 3 to 4 times higher. no kidding! How is this type of practice legal? Please help me at least reverse these {$38.00} charges, see attached auto payment proof that we set it up for many days before it is due, besides why would a company charge {$38.00} if someone is a day late? what is the postal service is delaying someone's mail, is that yet another excuse for bank of america to gauge the general public for {$38.00}? How does a consumer protect themselves against this type of fraud and robbery.

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 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
We wanted a due date changed they never did and put our information on XXXX as a late payment. We have made over 800,00 to this  company Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: GA

Complaint narrative:
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( Equifax, XXXX and XXXX  ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: GA

Complaint narrative:
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, XXXX  and Experian ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my 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 non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have {$1000.00} that was wired to my wallet on Coinbase. It is in cash, not virtual currency. Coinbase disabled my account. I called Coinbase and they tell me that they can not tell me why it was disabled, when I will have access to my funds, or whether I will regain access to my funds. They just tell me that I will need to wait. I ask them how long or why my account was disabled and they have no information. They claim only support staff knows that information and you are not allowed to speak to them.

Essentially Coinbase took {$1000.00} of my cash and disabled my account so that I can not get access to it and wont tell me why it was disabled or how to get it back. This is criminal theft as far as I can tell. These guys should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hi-one of our cell phone numbers has been used by the previous owner ( XXXX XXXX-who apparently owed on uncollected debts/loans ). In XX/XX/XXXX we were given the number as part of the cell phone service ( by the cell phone provider ). 

Previously-it was XXXX hXXXX XXXX XXXX who called and called and called despite being told of the above. Now it is Portfolio Recovery https : //www.portfoliorecovery.com/ We would very much like for this to stop-they now have both our cell numbers and continue to call, day after day. We are now receiving ( on a monthly basis ) between 90-100 calls ; including jpg 's, short code texts and any other form of medium they can think of to harass people. The same approach was used by XXXX. 

I just received a call this XXXX from XXXX XX/XX/XXXX XXXX XXXX. They have called from at-least 3 or 4 other numbers identified as such on the internet XXXX XXXX XXXXXXXX? XXXX We do not owe any debts to anyone nor have we been or are we currently involved ( nor have we EVER been ) involved in ANY form of debt collection. Please make them STOP calling. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESMAC, INC.
State: FL

Complaint narrative:
Lender : Resmac INC NMLS # XXXX Resmac is marketing as XXXX and calling borrowers who are on Dot not call list. They are not setup operationally to check against the Do not call list and are not compliant with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX  that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through experian that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XX/XX/XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.

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 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is against Wells Fargo. Our mother passed away on XX/XX/XXXX. Payments were made until hurricane Katria in XX/XX/XXXX. The  loan is currently in foreclosure and is being handled by XXXX XXXX.  The Lis Pendens was filed on XX/XX/XXXX and my siblings and I were served on XX/XX/XXXX. On XX/XX/XXXX I contacted the law firm and requested reinstatement figures good thru XX/XX/XXXX. On XX/XX/XXXX i received a reply from the law firm stating they would escalate the matter and contact Wells Fargo. On XX/XX/XXXX I received another email from atty office, stating figures come from Wells Fargo. I immediately made contact with Wells Fargo and was told they did not have permission to speak with me or any of my siblings. I explained to the rep that my name as well as my siblings are listed as an interested party in the Lis Pendens, which she stated she did not see and asked that I fax the document to her. She state there was a list of questions that she needed to ask me ; I completed the questions via phone. I faxed her a copy of the Lis Pendens on XX/XX/XXXX. I called on XX/XX/XXXX to f/u on the status of the reinstatement figures, was told to allow more time. Rcvd letter from Wells Fargo dated XX/XX/XXXXagain stating to allow more time. As of today no figures, atty fees are accruing when we would have liked to reinstate the loan by XX/XX/XXXX. While i understand Wells Fargo has their protocol to follow before releasing info, they accepted payments knowing our mother was deceased and now that we want to reinstate they are not releasing information. The unnecessary additional attorney fees and cost should not be on us as we have made every attempt to obtain reinstatement figures. Please help us obtain reinstatement figures to save our mother 's home. We have a sister that has moved from XXXX as of XX/XX/XXXX and is currently living in the property. Our desire is to keep the property.

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 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2018 we made a church deposit in the night drop at Wells Fargo Bank. After counting the deposit it was placed in a bank bag along with the deposit slip and supporting documents detailing what was included in the deposit and it was initialed by 4 Church Officers.  The bank teller crossed out the four {$100.00} listed on the slip and changed our deposit without making contact with anyone at the church. When I reached out to the bank regarding this change, I was told that the teller balanced and so therefore there was nothing more they could do. I explained our procedure - that after counting the monies, they were placed into a bank bag, sealed and 2 Trustees go make the deposit ; so something had to have happened at the bank.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a XXXX in XX/XX/2016for the account XXXX with Wells Fargo. The identifiable code listed states that collection will discontinue and the account cancelled from the creditor. I was contacted by Wells Fargo on XX/XX/XXXX and informed that they would not sell the account and would cease all collection activity. I am in the process of purchasing a home and due to the balance listed on the account it is making my process extremely difficult.

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