vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
I noticed back in XX/XX/XXXX, that Trident Asset Management was on my credit reports for a debt in the amount of {$770.00} for a XXXX account. 

I sent them a debt validation letter along with my FTC Identity Theft report along with court papers for an ongoing Identity theft case. They insist on sending me copies of a final bill as a form validation and completely ignoring the evidence I presented to them to substantiate my claim that this debt was opened fraudulently using my information. 

They 're still reporting on my credit reports after the debt validation letter was sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kehoe Financial Group, LLC
State: OH

Complaint narrative:
Kehoe Financial Called my landlord about a debt I supposedly owed. Not really sure about what information was shared but enough was shared that my landlord knew they were a debt collector trying to collect a debt. In turn I was called by my landlord being yelled at for them calling them and not paying my bills. I have never heard of this company before last night XX//XX/2017. I have only received 1 call from this company to date and it was also made on XX/XX/2017 by XXXX XXXX. I have had the same phone number for years it has n't changed and if they were legitimate they would have known my phone number and address to send correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a credit card with Chase XXXX XXXX XXXX and on XX/XX/XXXX I made a purchase using the card. On XX/XX/XXXX I paid the balance off in full but rounded up so that I overpaid by XXXX cents. My XX/XX/XXXX statement showed that I had a XXXX cent credit and no further payment was needed. I then did not get another statement till XX/XX/XXXX, this statement showed that I had a purchase for XXXX cents eliminating my previous XXXX cent credit bringing my balance to {$0.00}. I called Chase customer service and spoke with a lady who said they only identify by their first name and no employee number, her name was XXXX. she told me it was Chase internal policy to take back anything under XXXX dollar and this information was not written or posted anywhere for me or any other consumer to see. She wanted her supervisor involved as I was asking questions she did n't know, her supervisor, XXXX said that what they are doing is not illegal. They take back anything under XXXX dollar and keep it until claimed. They offered to credit my account. I asked how can they take back my money and keep it until I claim it but not inform me that is the policy or notify me that I have money that needs to be claimed? How is this not illegal and unethical? How is this not a company wide plan to steal many cents from millions of their customers as most do not know or realize they need to call to claim money that was removed from their accounts and or how many millions of people do n't bother to call and spend an hour on the phone to claim their cents back? How is this not a class action lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: PNC Bank N.A.
State: FL

Complaint narrative:
I was in Hurricane Irma, and many banks gave consumers the option to miss a car payment and they would add it to the end of the loan. 
I did this with PNC Bank and they still reported my credit with a late payment. 
I called their offices and they said they would fix it, but now I am trying to apply for a mortgage and they never fixed it and brought my credit down 60 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: FL

Complaint narrative:
Tried to fix, Experian agreed with me that i only had 1 late payment X/2014. They did not fix a incorrect payment they are reporting in 2014.

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 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
XXXX has sent me a notice informing me that my loan is " still outstanding for two installments '' and advising me about potential legal proceedings. This claim is patently false. 

I have made ALL PAYMENTS timely and this can be documented in my bill pay records which I have attached. The payment address and account numbers are correct. 

Clearly, this threating letter was sent in error but no one can explain why my payments are not being applied properly. I believe this company is probably deeply incompetent and I believe they should be swiftly disciplined and fined. 

I called the customer service department on XXXX XXXX, 2017 and the individual I spoke with dismissed my concern while saying they had " no idea '' why I received that letter. I am deeply concerned that my valuable credit score will be impacted, or even worse, that this company will erroneously start foreclosure proceeding when every payment has been made on time. 

Please, fine XXXX so they learn they can not treat customers this way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I leased my vehicle through Ally Bank. I setup my account on auto pay XX/XX/XXXX. Prior toXX/XX/XXXX my credit card had been compromised so I cancelled it and obtained a new card. I called Ally bank on the XX/XX/XXXX date to make sure they had the new card information so there would be no interruption of my auto pay account. I was told by Ally not to worry as the Auto pay was connected to my checking account. On or about XX/XX/XXXX I was sent an e-mail by XXXX XXXX stating that my credit score had dropped as a result of a 30 day late issued by Ally Bank. I called Ally bank and after two hours on the phone and 6 representatives was told I cancelled my auto pay on the XX/XX/XXXX date. Upon investigation it was determined Ally bank made the mistake of cancelling the auto pay. Further they never notified me of the cancellation of the auto pay or that it was delinquent. I am purchasing a home and am in effect homeless as I have sold my home in Arizona. I can not purchase a home until I resolve the Ally bank problem and have my credit score put back to where it was prior to Ally banks mistake. I have informed them of this with no result or action by them. it is my hope that you can help me resolve this issue. Thank you very much.

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 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX, I filed a complaint with Santander Consumer regarding how I make my payments. They only allow me to make payments talking to a representative. This costs {$10.00} a month. They have an automated system where you can pay less to make a payment but it has not allowed me to do this since XX/XX/XXXX. They stated it was because I had a return checks. I told them that I do not want to pay with a check I just want to pay with my debit card and it will not let me. The office of the president told me that this block would be lifted in XX/XX/XXXX to allow me to pay through the automated system so I can pay less fees. I still could only pay with my debit card, which I am fine with, but the fee would be substantially less. As of today, XX/XX/XXXX, I am still not able to pay through the automated system. I have to talk to a representative and pay the XXXX fee just to make a payment. 
I believe this company is ripping off comsumers by doing this, This needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Mortgage transferred to Loancare LLC on XX/XX/XXXX.  Attempted to make payment, but was told not to send one in ( check ) because it wo n't apply to my account. Gave me a new mortgage number from them and attempted to pay online. Does n't work. Called them ( XX/XX/XXXX ) and was told they have no record of me. Told me to wait another 30 days and call them back. Mortgage is due today ( XX/XX/XXXX ). I just wish to make my payment on time, with no fees with an company who actually has record of me. It 's a bit odd to me that they gave me an account number, but it 's not valid through 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 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Key 2 Recovery, Inc.
State: NC

Complaint narrative:
I received a call from XXXX with Key 2 Recovery on XX/XX/XXXX concerning a collection account with XXXX XXXX from XX/XX/XXXX XXXX {$1400.00}. I informed her that I did n't have any debts with XXXX XXXX and am not familiar with any debts from there that I owe. I told her the statute of limitations have run out for such a debt that I do n't even owe from XX/XX/XXXX. XXXX asked if I was going to pay the debt and I informed her, no, because it 's not my debt and she hung up on me. After the call, I did n't receive any additional contact by phone or mail ( never received anything by mail ). Fast-forward to XX/XX/XXXX I receive a credit alert from XXXX XXXX as it relates to XXXX indicting I have an open collection dated XX/XX/XXXX from Key 2 Recovery Inc., and reported XX/XX/XXXX for a debt owed to XXXX XXXX in the amount of {$1400.00}. How could I have had an " open '' collection in XX/XX/XXXX? The debt was so old, that I was wondering why a collection agency was attempting to collect a debt that was over 17 years old that I knew I no longer owed and when they purchased the debt at that time it was their duty to do their due diligence. The reason I do n't owe or have such a debt is because it was discharged XX/XX/XXXX in Case Number XXXX under Chapter XXXX ( filed under my maiden name ) on Schedule F, Creditor # XXXX i/a/o {$1400.00} the exact amount Key 2 Recovery has reported on my credit report as a derogatory collection. How can a collection agency attempt to collect after bankruptcy and report a derogatory collection on my account after all these years on an account that was clearly discharged, stale, time-barred, not re-aged, and no documentation provided that the debt was valid? Having a collection account can jeopardize my job as a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as I 'm not able to have " bad credit '' and collections. 

This appears to be unfair collection practice as this company clearly ignored that this debt was no longer owed and did not validate the debt they clearly purchased over 15 years later, and they falsely reported to the Credit Bureau which can jeopardize my career.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was charged Private Mortgage Insurance ( PMI ) for 112 months even though my Loan to Value ( LTV ) was less than % 80 at the time of purchase ; which means I had already reached the required minimum so PMI should of never been charged. I purchased the property XX/XX/XXXX and the PMI ended on XX/XX/XXXX. The monthly PMI was {$160.00} and the interest rate was % XXXX. I sent multiple letters over the past decade asking the bank to remove the PMI and was denied. I am attaching proof of the value of the home at time of purchase, PMI denial letters, promissary note ( amount borowered ) and statements showing PMI charges. The amount borrowed was {$410000.00} and the value was {$540000.00} at the time of purchase. I have uploaded multiple attachments but not all seemed to have been added. Please let me know if additional information is needed.

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 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
My checking account with KeyBank was hit with 5 fees of {$38.00} in 2 days for returned amounts that were being withdrawn from XXXX. I understand one fee for not having enough money, but almost {$200.00} in fees over 2 days? How am I supposed to regain financial footing if my bank is slapping me with all these fees? From XX/XX/XXXX - XX/XX/XXXX {$190.00} in fees were charged to my account for {$87.00} that was returned. One transaction was only for {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: KEYCORP
State: PA

Complaint narrative:
I had a IRA certificate of deposit that I opened with XXXX XXXX XXXX that Key bank took over. Upon the maturity of the certificate and transfer to another bank, Key bank kept {$25.00} transfer fees for itself. When I opened the certificate at XXXX XXXX XXXX in XXXX 2014, there nothing in the contract that I signed that stated I would be charged a transfer fee. Key Bank took over my ira from XXXX XXXX when it took XXXX over, but that does not give Key bank the legal right to change my ira terms without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX  XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.

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 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
As of XX/XX/XXXX, my mortgage was transferred from XXXX XXXX ( " XXXX '' ) to Mr. Cooper ( " Cooper '' ) ( f/k/a Nationstar Mortgage ). Both XXXX and Cooper informed me that there would not be any changes to my account, including autopayment. That is, my mortgage with Cooper would be automatically paid on the same day as it would have with XXXX. My mortgage was always paid on the first of the month. However, when I logged onto XXXX 's website, it said that I would not have an autopayment until XX/XX/XXXX.  When I called, a representative was unable to tell me why this had happened, but said that I would not have to pay twice if I paid. When I attempted to pay online, it said that I was paying twice. However, no records of payment appear on either XXXX 's website or my checking account 's website. I am unable to pay my mortgage due to a glitch in XXXX 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello - I was directed here from XXXX to resolve this matter, though I 'm not sure I 'm supposed to be contacting you regarding any of this.. so I 'm sorry for wasting your time if this is not who I should be contacting. 

I recently made a purchase on Coinbase for the cryptocurrency ETH, and just a few minutes later I got an email saying my account was closed. After 4-5 days of emailing them to find out why, they finally responded saying that it was XXXX 's decision and they would not be supplying information as to why my account was closed. They also said they would help withdraw my ETH into a new wallet, but now have stopped responding to those emails. 

In a nutshell.. I originally tried to buy {$150.00} in ETH and {$150.00} in BTC from my XXXX XXXX Checking. Shortly after I got two separate emails cancelling both transactions. My friend told me the same thing happened to him, so he switched to try his savings account, and then it worked. So, I verified my driver 's license with the website, so my savings purchase limit would be raised from {$50.00} to {$250.00}. I then got verified, and bought {$250.00} in XXXX. Minutes later I received an email saying my account had been closed, and now here we are 5 days later, I have no access to my funds, and no one from Coinbase will contact me to explain any of this to me. All they said in a generic email, was that the decision was yours. 
my Coinbase account is under XXXX XXXX XXXX - XXXX - XXXX Please, help me if you can, thank you so much. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Received an alert from Experian that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.

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 2017-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.

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