vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to you because Bank of America for the past 24 hours, actually more than that, has denied me access to my account. I have called and been transferred and/or given a different number to call 10 TIMES!!!!! No one can tell me why the account was frozen and even more shocking no one has unfroze the account. 

That is stealing, that is theft, I believe that the legal terms would be robbery, fraud and the list goes on. I work hard for my money, and I am here 24 hours without access to MY money and no reason as to why! When I asked about compensation for the stress caused and time taken away from me without an apparent reason as to why I was told that Bank of America does not compensate for mistakes. I have recordings if you would like them. 

I recorded all the calls with the poor customer service displayed by BOA. I went to the branch location on XXXX and XXXX in California and that sad excuse of a manager XXXX, had me waiting for half an hour and left through the back! 

At this point I just want my money and compensation and I 'll leave the bank. I have been a loyal customer for 20 years and this is the treatment I get.

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 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I deposited {$2500.00} cash via bank ACH to this company ( Coinbase ). They accepted my funds ( which are on deposit in their company ) but will not allow me to trade or withdraw {$2100.00} of my funds due to their automatic identity verification quiz, not being able to verify my identity. 

I 've emailed multiple times, each time getting a response saying essentially, " keep trying to use the automated system ''. I 've offered to send copies of any bills, bank accounts or any identity documents they would like, but they keep referring me to keep trying their automated system. There is no phone number for me to call or actual person for me to talk to. 

The most recent email reply from their company advised me that there is no other option than to go thru their automated identity verification system. 

Please assist, I 've been working on this since XX/XX/XXXX and every email reply says the same thing " keep trying our automated system. '' All I want to do is withdraw the money I deposited and close my Coinbase account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I went to BB & T in XXXX Maryland to change the responsibility of my car loan to my husbands name because I got this car for him when he did n't have a social security number at the time and he is the one paying every month for his new car, so more than fair that now that he has his social to take this car out of my credit history. 
I went to the bank and I spoke with XXXX XXXX XXXX a suppose loan specialist. 
I told him exactly what I wrote above. He said that would n't be a problem as soon I would co-sign for my husband, and I agreed and signed the contract. I did n't read because what we said was clear and he said was n't a problem to do what I asked. 
Later on he called me saying that both names would be in the car title, I said no, I wanted my name out of everything I would just co-sign, than he said if you want pay XXXX dollars more to make it a sale to your husband I could, I asked him that normally they include that at the loan and we do n't need to pocket it right away. 
So I called his manager to ask about including the XXXX on the loan when his manager than told me that when I co-sign a loan the loan will be keep showing in my credit report and he said sorry for the employer mislead me saying that would n't be a problem, but at this point there was nothing he and I could do because the contract, that he never gave me a copy. was already signed and the check was made. The only thing he said that I could do was get another loan with another institution at my terms. 
I said I wanted to cancel the deal because I was mislead and betrayed by one of the institution 's employer and again he said he could n't do anything. 
This is at a least case of a very dishonesty way to make his monthly cote.

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 2017-08-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from XXXX XXXX on XXXX XXXX, XXXX. The one is Chase Card inquiry on XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: NC

Complaint narrative:
My mortgage is with New York Community Bank ( XXXX, NY. ) My homeowners insurance and property taxes are paid through escrow annually. For the second year in a row, I have had to pay my homeowners insurance premium to XXXX XXXX because the mortgage company has not paid it before the lapse date. The bill was sent by the insurance company to NYCB in XX/XX/XXXX and XX/XX/XXXX, with reminder notices going out in XX/XX/XXXX and XX/XX/XXXX. The policy renews on XX/XX/XXXX annually. In XX/XX/XXXX, the payment was not made by NYCB until XX/XX/XXXX, so I had to pay on XX/XX/XXXX to avoid a lapse. In XX/XX/XXXX, payment was not sent until XX/XX/XXXX, and I again had to pay on XX/XX/XXXX ( XX/XX/XXXX was a Sunday ) to avoid a lapse. I have spoken to the escrow department at NYCB several times and have never received a satisfactory explanation as to why they are not paying on time, even though the money is fully available in my escrow account. I even tried to have the escrow discontinued so I could pay the bills myself and they would not allow me to do this without charging me an exorbitant fee. I think I should be able to discontinue my escrow without penalty or fee since they have demonstrated that they can not pay the bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Calvary Spv I, Llc has filed a lawsuit in the XXXX County Municipal Court in XXXX Ohio onXX/XX/XXXX, Case No. XXXX. This lawsuit cause of action is contract/note in the claim amount of {$3000.00}. Since XX/XX/XXXX I have sent multiple letters in correspondence to the plaintiff in the case requesting for proof of a contractual obligation to pay said company. During this correspondence I was never provided the requested documentation and was never advised of a pending lawsuit prior to receiving the notice that a complaint had been filed. After receiving the notice of complaint I responded onXX/XX/XXXX with a request for production which was sent to the plaintiffs assigned counsel, XXXX XXXX at XXXX XXXX XXXX, XXXX, KY XXXX. A copy of this request was also sent to the XXXX County Municipal Court for filing. To date I have not received any documentation showing a contract/note in place with Calvary Spv I, Llc. I have responded to all letters from the plaintiff within 30 days of receipt of all letters which requires them to provide a response to my verification request. Calvary SPV I, LLC is listed as a creditor on the most recent letter that I have received from the plaintiff. If they are a creditor that means that they would have offered me credit in exchange for some product or service. If this transaction did take place they should have a signed contract or note bearing my signature with terms, conditions, and a itemized listing of what product or service was exchanged for the extension of credit. I have not received any such documentation to date and now I am being sued and this information is also still listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited a check at Chase Bank for my Chase account using the ATM machine. The check deposited was a check from a company owned by me but from another bank ( other than Chase Bank ). The following day I attempted to use my ATM debit card from Chase and was told the charge was declined. I immediately logged into my online banking and saw the deposit made the prior day was showing as a " pending '' deposit. On XX/XX/XXXX( XX/XX/XXXX) I personally went to the Chase branch to discuss the issue and was told the Chase Bank review process identified the deposited check ( from my own company ) was placed on a hold until XX/XX/XXXX ( 11 days from the date of deposit ) because it appears the check may not clear. I explained it was from my company and there was more funds in the account than the amount of the {$2500.00} check deposited. The branch manager at Chase said he would call another department at Chase and try to get resolution and he would call me. About 45 minutes later the manager called and said there was nothing he could do the hold was placed by Chase in the review department. Today, I received a printout from the bank where the check was written and the check cleared that bank on XX/XX/XXXX. I went back to the branch and presented the written documentation. The branch manger also called the other bank to verify the check number, amount and the date the check cleared ( XX/XX/XXXX ). The manager then attempted to release the hold but the Chase Bank system would not allow so he said he would again call the department at Chase and call me back later in the day. He called back and now said Chase informed him that it appeared the check I deposited may be a duplicate check number and they would not release the hold. I called Chase Bank and after speaking with two representatives was told the same story and they would not release the funds until XX/XX/XXXX. Hence, my complaint against JPMorgan Chase Bank. The end result is that the funds cleared my business account on XX/XX/XXXX, XX/XX/XXXX and I have no access to my funds ( {$2500.00} ) until 8 more days ... ... so that will result in me being unable to make payments or pay bills from my Chase account and possible automatic withdrawals being denied. It is completely unjust for a bank to withhold funds for 8 days after the check cleared the other bank and it was verified by representatives of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: MO

Complaint narrative:
after disputing the following debts with Experian 4 times and XXXX and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, Experian & XXXX ) to have PHYSICAL COPIES in THIER files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( Experian, XXXX & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, XXXX & Experian can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX  be removed from my credit reports.

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 2017-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I hav
e disputed the accounts that are reported by XXXX XXXX XXXX XXXX XXXX. This department constantly reports inaccurate information on my credit report. Due to XXXX XXXX XXXX XXXX XXXX XXXX failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. This is directly affecting my credit report making it impossible to obtain credit.
The violations committed against me are : 1. XXXX XXXX XXXX XXXX XXXX supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late.
* XXXX XXXX XXXX XXXX XXXX marks major derogatory marks, even though payments are being made.
* XXXX XXXX XXXX XXXX XXXX has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX.
2. XXXX XXXX XXXX XXXX XXXX does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law.
After I sent these dispute to both the XXXX XXXX XXXX XXXX XXXX, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. I have disputed this information with Transunion, XXXX, and XXXX. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the 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 explanation
Consumer complaint received 2017-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from Capital One on XX/XX/XXXX. The one is XXXX XXXX inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: FL

Complaint narrative:
I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.

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 2017-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have a cancelled GAP {$1500.00}, refund goes to payment of the principal one time, then spread -out into 5 months payment starting XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, resume payment XXXX XXXX, so I paid XXXX XXXX and XXXX XXXX in the of {$300.00} each month, what happened the payment of {$300.00} for each goes straight to Finance Charge, as explained to me, the last payment they received was {$30.00} last XXXX XXXX, no payment for 5 months they said, I am losing 2 months principal payment, plus another 2 months in the future payment, because if my XXXX and XXXX payment was shared with principal/fin charge my monthly installment of XXXX will become 63 months, but it stop to 65 month because everything went to Finance Charge.

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 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 
1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 
2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. 
I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX  XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. 
PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Summit AmeriFirst Holdings, Inc.
State: CA

Complaint narrative:
I was contacted by my neighbors whom live at XXXX XXXX XXXX that someone by the name of XXXX XXXX from Amerifirst contacted his wife on her personal cell phone trying to reach me XXXX XXXX regarding a personal business matter. Please keep in mind I do n't know my neighbors and never met them. Contacting complete strangers discussing my personal business is a violation of my privacy and just plain unprofessional. 

Amerifirst has done this to several other individuals and continue to disturb and harass individuals whom have nothing to do with my business with them. They have continued to violate privacy and collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have previosuly filed a dispute with this company XXXX XXXX XXXX they responded with the fact that although the account has reached the statue of limitations and that they can still report it on my credit report! but after reading my rights it is to my knowledge that is account is now a zombie account as it states on my credit file that the 1st delinquent occurred XX/2011 there for this should be deleted off all 3 credit agencies and stop being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: IL

Complaint narrative:
XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

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 2017-08-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I received another alert on my credit report about a late payment to CHASE CARD SERVICES. Last month this bill was sold to a third party vendor, so how is it possible that CHASE is still reporting to my credit reports? This false reporting is damaging my credit score. 
I have filed a complaint before and company said it sent me a letter. They company has 30 days by law to respond to validation letters, it has been over 4 months, and I sent another out last week. I received no letters from Chase, however I received ( attached ) a settlement offer from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation