vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My wife and I refinanced our home mortgage with  JP Morgan Chase  in  XXXX  and it was to be an interest only loan. We have received a letter from the bank  (   XXXX   XXXX  ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am  XXXX   years old  and my wife is  XXXX   years old  and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of  XXXX . The letter had a  XXXX   XXXX ,  XXXX  date on it. It told me That a  XXXX   XXXX   XXXX  was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO  XXXX   XXXX  working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated  XXXX . She said " Well SIR, this IS  XXXX   XXXX . '' I asked to talk to her supervisor. I was put on hold for an additiona l 5  minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in  XXXX  and could find no where in the loan documents a "  XXXX   XXXX  '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in  XXXX   XXXX , I had asked  Chase  to send me copies of my paper work showing me where it said my loan termed out over 20 years in  XXXX  and a copy of my  Federal Disclosure Box  signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the  Federal Disclosure Box  that I had requested. We were never told by the loan officer, in  XXXX , that our loan would term out in 20 years starting in  XXXX  of  XXXX . There is a paragraph hidden in the middle of the  30  plus page document, that we signed and initialed, that speaks to the 20 year amortization but no  Federal Disclosure Box.  So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. We need help before we fall behind on our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: IL

Complaint narrative:
XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and  XXXX .  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.

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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: WI

Complaint narrative:
On XXXX XXXX I received a bill from a company called AssetRecovery Solutions, LLC that asked for me to settle an account for 70 % of what is owed. I have no knowledge of this account or of the balance due and this is the first time I have been contacted about it. I was never sent a bill from the original creditor listed which is XXXX XXXX XXXX and the tome of the letter looks like it is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: MO

Complaint narrative:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

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 2017-06-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NM

Complaint narrative:
To whom  it may c oncern, on  X/XX/17    I did apply online for a "  XXXX   XXXX   XXXX   XXXX  '' offered by U.S. Ban k National Association. Th e terms of the offer I replied to, showed a {$0.00} introductory annual fee for the first 12 months, after that {$80.00 } ( see  attached offer_terms.PDF for comparison ).  <P/> On  X/XX/17    I did receive the "  XXXX   XXXX   XXXX   XXXX  ''. However, the accompanying credit card agreement terms show an annual membership fee of {$80.00}  ( se e attached cc_agreem_terms.PDF for comparison ).  <P/> If I had n't thoroughly read these terms and had just started using this credit card, I would have incurred that fee, without ever having agreed to such terms.  <P/> Sincerely,  XXXX

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 2017-06-14 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: MO

Complaint narrative:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

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 2017-06-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a deposit to the amount of {$2000.00} on  XXXX   XXXX ,   XXXX  , and was credited in error only {$20.00}. I received a letter dated  XXXX   XXXX , that the issue was resolved, and I will receive credit of {$1900.00}. On  XXXX   XXXX , I received another letter saying that they will reverse the credit as it was given in " error ''.   After many phone calls I personally went to the bank today, and spent  two  hours there, and still have not resolved this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two year s. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.  <P/> 1.  XXXX   XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX    XXXX    (   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX / 2016  )

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 2017-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC
State: WA

Complaint narrative:
On  XX/XX/XXXX  I received a voicemail from "  XXXX  '' at the number  XXXX . It was " regarding our location and tracing efforts for [ my name ] '' and " It is important that we speak with you in regards to their whereabouts. If we can not verify this information through you the law allows us to contact all references on file. If you are unable to provide any information please contact us regardless at  XXXX  ''. I called back and their greeting said " FMR '' I then spoke to "  XXXX  '' (? ) who had me confirm my name and last 4. They do have my full SSN and WA Driver 's Lic # which is frightening. He said I took out a {$370.00} payday loan through "   XXXX   XXXX   XXXX   '' ( never heard of them ) on  XX/XX/XXXX  with a bank account through   XXXX   XXXX   XXXX   as payback. I was in the middle of a bankruptcy at that time so could not have taken out any loans, and also I did not have a bank account with   XXXX   at that time. I also have never received anything in the mail about this supposed debt. I asked him to send me some documentation in the mail because the circumstances sounded suspicious. I have a right to receive debt validation under the FDCPA. He refused to agree to send me anything, got very abusive and would n't let me talk, and tried to bully me into paying right then and there. When I asked to speak with his manager, he refused and said he was putting me down as a refusal to pay. I tried to say if he would just send me documentation that the loan was legitimate then I could review it, but he basically said goodbye and hung up on me. I never once said that I was refusing to pay. I called back to try to get a different person and the same person answered and threatened to file harassment charges against me if I called back again, and hung up on me again.
I did some research into this " FMR '' and they are based in  XXXX , NY and their full name is " Forward Movement Recovery. '' They have many complaints and negative reviews on the BBB site, and many scam/fraud complaints on independent review sites as well. Also, according to this article,   XXXX   XXXX   XXXX   is not even licensed to do business in WA state where I have lived my entire life. http : //www.dfi.wa.gov/consumer/alerts/plain-green-loans-not-licensed-washington I will also be filing complaints with the Attorney Generals for WA and NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: IN

Complaint narrative:
I decided to pay off my loan early. When I called Navient on Tuesday,  XXXX   XXXX ,   XXXX  , the Navient representative acknowledged that my payment was received on  XXXX   XXXX ,   XXXX  . I was assured that next month I would receive a letter explaining that my balance was paid in full.   I did not receive any letter, so on Wednesday,  XXXX   XXXX ,   XXXX    XXXX  at   XXXX   XXXX   Eastern  Time   ) I  again called Navient. I spoke with "  XXXX . ''  XXXX  told me that a letter had been sent on  XXXX   XXXX ,   XXXX  , but he also assured me he would send an additional letter. He told me that the letter was coming from Pennsylvania.   Today is Wednesday,  XXXX   XXXX ,   XXXX  . I have not received any letters from Navient : not the first letter, and not the second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Most recent report of inability to use past payment activity feature of online account management occurred on  XXXX / XXXX /  XXXX  . I requested a past payment activity report of ( 2 ) YTD.

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 2017-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On Wednesday,  XXXX   XXXX , I initiated a wire transfer withdrawal from an online stockbroker in the amount of {$9700.00} for deposit into  XXXX  ( the online crypto-currency exchange owned by Coinbase ). Both  XXXX  and  Coinbase  's websites clearly state that wire deposits will be credited same-day if completed before  XXXX  PST. They also charge a significant fee for this expedited funding method.     It is now Wednesday,  XXXX   XXXX , and the funds have not been credited to my account. In addition, none of my inquiries have been responded to.     I was charged wire transfer fees by both my online stockbroker and  XXXX /Coinbase, missed out on valuable trading profits, and still do n't have my {$9700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
On or about XXXX XXXX 2017 I initiated an ACH transfer into the account of Coinbase, Inc. located at the XXXX  XXXX XXXX of NY, and I did so on the accord of  their site : " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days* to complete after initiating a purchase. You may see the funds immediately debited from your bank account when you initiate the transfer, but they will not appear in your XXXX account until the transfer has moved between the banks and cleared in our bank account. '' The amount is negligible to some, {$300.00}, however, it 's still {$300.00} that I transferred from my credit union which provided me with a credit trace number showing Coinbase received the funds. I 've attempted on numerous occasions to reach Coinbase support, both through email and through their XXXX handle as recommended through their own website. I have not been able to reach their support staff in over 3 weeks. At this point I just want my funds returned. Their community site is littered with many posts similar to my own and my trust in this company ... well, I have none. They are robbing people with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: MO

Complaint narrative:
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.       1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX /   2016  )  2  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX /   2016  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: MO

Complaint narrative:
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.     1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX   XXXX   XXXX   XXXX   XXXX   ) ( O PENED DATE  XXXX / XXXX / 2016  )

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I keep receiving credit card offers from  Capital One,  with outrageous interest rates, and terms. On no less than  3 ( three )  occasions I have requested that Capital  One  remove me from their marketing list because I did not want anything to do with such a despicable firm that chooses to engage in what I would describe as predatory lending tactics. The offers are  INSULTING a nd are obvious attempts to entice their targets into indentured servitude, unending. More than  3 ( three ) times  I have requested that I be removed from their solicitation program, with CAPITAL  ONE 's  personnel, at each and every encounter promising to do such, and yet, I am still to this date,  one arri ved today, getting CAPITAL ONE 's mailings. This has to stop. The " teasers '' are just that, with the rates being " beyond '' reason and justification.

Company response to consumer: Closed with explanation