vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Filed for Mortgage Modification with US Bank. 

First application XX/XX/XXXX, after several paperwork sent and wrong processing they denied the modification. 

XX/XX/XXXX sent modification appeal, they took 3 months and came back and said that they did not have all paperwork, purposely delaying the process. 

XX/XX/XXXX new modification sent. 

XX/XX/XXXX they apparently approved it and my payment from XXXX was modified to XXXX as a trial plan for three months. 

XX/XX/XXXX asked processor several times how this payment was going down? lower APR? or how was the payment going down, they will not give me this information and said that I will find out once I receive the permanent one. 

XX/XX/XXXX received the new statement and escrow review, the new payment was XXXX same amount as the proposed modification, so in reality the modification was the same payment as the new payment for XX/XX/XXXX. 

Called to check on this and the processor said that the XXXX could go down since if the APR is modified and the new escrow review, etc could help. 

Today I received the permanent modification after 7 months of paper work, emails, calls. They raised my APR from XXXX to XXXX. They also extended 25 years to 30 years and charged me XXXX for capitalization. 

How is this modification helping me? when a customer applies for modification is because they are having issues making a payment, and the bank will come back to raise the years for payment and the APR??? 

Please investigate.

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 2018-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
The company is calling multiple times per day. Including back to back. We asked if they could lower the payments or extend the lease and they said lowering the payments was not an option and we could only put a month at the end of the loan. We were honest and told them we wouldnt be able to afford it due to a job loss and they said nothing we can do. 

So as we continue to get behind, we have spoke with them regarding the fact that they have called local businesses looking for us and questioning them. Since we are in a small town this was a bad move on there part. They have also questioned and called my neighbors and employers multiple multiple times. We even told them if they continued that we would consult an attorney. They have continued. We told them to take the car. We are done. Between the excess in phone calls, the inability to work with is, the public embarrassment, and harassment of our neighbors this is crazy. The creditor is ford motor credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: NY

Complaint narrative:
On XXXX XXXX 2018 I transferred XXXX LTC ( Litecoin cryptocurrency ) from XXXX to my GDAX litecoin wallet. The transfer was completed and the LTC reached the first destination which was the Coinbase LTC wallet. From Coinbase another transfer was made automatically to send the litecoin to the Exchange owned by Coinbase, GDAX. The transaction shows up as complete on the Coinbase history in my account, yet the Litecoin never showed up on my GDAX wallet. I contacted Coinbase through email the same day and received a case # XXXX. The response from Coinbase showed me a list of reasons why my transaction could be pending. I replied to the email and told them that my transaction does not show up as pending it shows up complete, and I still do not have the assets. I have not received a response from Coinbase despite numerous emails sent regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: MN

Complaint narrative:
I initiated a wire transfer to XXXX on XXXX/XXXX/XXXX for {$5000.00} when XXXX listed their incoming wire transfer services as working properly. I have not been credited the {$5000.00} still. They disabled online help requests since I have initiated the transfer and do not pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: United Revenue Corporation
State: TX

Complaint narrative:
This item was removed for XXXX and XXXX but XXXX will not delete this incorrect collection from my report UNITED REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Portfolio Recovery is still reporting false information on my credit files and now, they started back making false claims about filing a Court Case against. If the want verify or validate the alleged debt, they do n't have anything to file against me in court because the debt is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OR

Complaint narrative:
My daughter tried talking to Sallie Mae the lender and was told informally that she would have to be past due for three months before they would help her. I am co-signed onto this loan and apparently they are now coming after me for payment. I have received several phone calls from them and the voicemail asks me to call 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 2018-01-08 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: LEXISNEXIS
State: PA

Complaint narrative:
In XXXX a Bankruptcy was file and dismissed under my name. 

The Bankruptcy is being reported / re verified, reported incorrectly, to XXXX by XXXX XXXX, in violation of Federal Regulations.

I.E. Fair Credit Reporting Act Sec. 1681C, mentions nothing in in this act on the disposition of dismissals or filings, the law clearly states from " Date of Adjudication '' or " Order of Relief '', in the event of a " Dismissal '' there is n't an " Order of Relief or " Adjudication ''. 

or 1681 ( a ) 5 of the FCRA, for more detailed information. 

Therefore, XXXX XXXX is in violation of selling/reverifying public records to XXXX, knowing they are in violation of Federal Regulations and XXXX is aware of this and still refuses to remove said, Bankruptcy Reporting action, from my report, both companies need to be held accountable for knowingly violating Federal Law. 

So, all the reinvestgations have proven to be a farce and have n't held XXXX XXXX or XXXX to the letter of Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I attempted to trade on Coinbase and put in money when the introduced Bitcoin Cash. The market for Bitcoin Cash was much much higher than in other markets, but I figured that since there was a bid and an ask that I could day trade it. I bought about 40000 dollars worth of bitcoin cash. Within 2 minutes, the market was frozen and I could not get out at the prices that were shown as the bid and the ask. They took the market down for a day, and when it was brought back up, I was forced to get out at a much lower price. I tried calling them, and stayed on the line for over an hour but no person answered. 

This was a deceptive market, and I am looking to pursue any legal remedies I may have. Feel free to contact me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX/XXXX/XXXX I started the assumption process with JPMorgan Chase Bank due to the XXXX of my father. To date I have provided them with all of the documentation that has been requested. XXXX/XXXX/XXXX I received an approval letter from Chase for the loan. The conditions of the approval is that I provide updated bank statements and income which I did comply. On XXXX/XXXX/XXXX I received a letter from Chase stating that I had to move to the state that the home I was assuming and have gainful employment by XXXX/XXXX/XXXX. This had not been brought to my attention prior in the approval process. In XXXX XXXX they did request that I provide a letter for what my intentions were with the house that I am currently renting. I complied. An additional condition of the assumption was that I paid the house insurance one year in advance and provide them proof of payment. Which I did pay {$1100.00} and provided them with the receipt. I had talked to the loan assumption supervisor and asked them to make an exception regarding the employment condition since it would be impossible for me to obtain gainful employment within two weeks as they requested. He had indicated to me today XXXX/XXXX/XXXX that they will not make an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
The XX/XX/XXXX I spent XXXX DKK ( Danish Krones ) on Etherium ( ETH ) on the website " Coinbase '', which worked fine. Then I sent them to XXXX, in order for me to purchase Ripples ( XRP ), and here my trouble started. XXXX states the wallet where my money was sent to will not function before the wallet has been funded with XXXX XRP. XXXX states that this will be funded within an hour and in rare cases more than that. I have now been waiting for 5 full days and have heard nothing from XXXX, nothing from Coinbase and my money/ETH is caught somewhere in the digitital world. 

I have heard that you have resolved other peoples problems with these specific companies so maybe you can help me? 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I submitted a transfer of XXXX Etherium on XXXX/XXXX/XXXX at XXXX to Coinbase/XXXX. They show they received the amount and were processing it so it would be available in my account. It has been stuck processing since XXXX XXXX. I have submitted 3 support cases and made multiple attempts to contact them via their main XXXX channels @ coinbase @ coinbasesupport @ XXXX. The sent one reply to my first support request which was a generic email on why transactions can take a while but made no effort to look at my account or resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
I ended my services with XXXX XXXX and returned all the equipment. I rec 'd a notice saying that one piece of equipment was missing and they sent a bill with that notice. When I showed them their receipt that shows all the equipment including the one in question was returned to their office, I was told that it would be corrected in their system. A few months later while purchasing a home I was told that there was a collection debt on my credit from XXXX in regards to the same bill/item. To purchase the home I had to settle with the collection agency and pay the bill for {$120.00}. I rec 'd documentation from the collection agency and from XXXX that the matter was settled in full satisfaction. Now 11 months later I rec 'd a notice from a different collection agency stating that I owe the full original amount again. I informed them of the settlement in satisfaction and sent copies of the settlement notices but to no avail. XXXX will not answer the phone or emails and my credit score is effected. Hold times to contact a XXXX customer service is always over two hours long. How do I hold XXXX accountable for their mistakes as they have held me accountable for mine?? How do you force a company to handle things properly besides boycotting them which I am doing. I will never use the services of XXXX again but need help correcting my credit score damage that they have done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. 

If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. 

XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. 

XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I made a mobile check deposit on X/X/2018 in the amount of {$890.00}. I paid a 2 percent fee ( {$17.00} ) for an " express deposit '' allowing the funds to clear immediately. PNC charged the {$17.00} but then still put a hold on the check. I called the next day and asked why and they said the check was flagged as fraudulent, even though I cashed checks from the same payer often and have never had any issues. The check cleared payers credit union within 18 hours, and payees credit union said check cleared normally. 
PNC claims XXXX held check, which is not true. XXXX XXXX XXXX paid check XX/XX/XXXX (  see screen shot of XXXX statement ). 

I am just asking for the refund of my " express deposit fee '' since I did not receive the " express deposit service ''. I paid for the funds to be available immediately but the funds were not. PNC admits this happened but is giving me the run around on a refund ( see screen shots of chat where they admit error and blame XXXX XXXX ). 
PNC at this point refuses to refund the {$17.00} fee. PNC has given me reference # XXXX as tracking for my complaint. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: CO

Complaint narrative:
I opened a new checking account on XX/XX/XXXX under a {$200.00} promotional offer using the following link, https : //commercebank.com/XXXX, and used offer code " XXXX ''. I deposited {$100.00} into the account which posted on XX/XX/XXXX and then maintained a greater-than- {$100.00} balance in the account the entire time I 've held it ( transaction history attached ). Per the terms of the offer ( attached ), I should have received the {$200.00} promotional incentive after 90 days. Today, XX/XX/XXXX, marks 139 days since I opened the account and I have not received the promotion. I have contacted Commerce Bank through their Secure Message portal twice ( documents attached ) regarding this promotion ; first on XX/XX/XXXX being told that I should receive the {$200.00} in mid-XX/XX/XXXX and the second time on XX/XX/XXXX was told I would have received the bonus 90 days after account opening if the requirements were met. I called their Customer Service number, XXXX, on XX/XX/XXXX and was told I needed to maintain a balance of {$5000.00} in the account to earn the promotion, which is not consistent with the terms. After requesting to speak with a supervisor, the agent was unable to locate one and believed all had left for the holiday weekend. The representative then transferred me to their nearest branch to me so I could speak with the local bank manager, however, he had gone home for the weekend as well. I spoke with a local banker who submitted a form on my behalf to look into the issue. After following up on XX/XX/XXXX,  I finally received a call back today, XX/XX/XXXX, and was told that because I did n't deposit {$100.00} at account opening, I was n't eligible. This is not clear from the terms, which states, " Minimum balance requirement of {$100.00} in CommerceRelationship Checking to receive the {$200.00} bonus. '' With the posting of my opening deposit of {$100.00}, I have maintained a minimum balance of > {$100.00} for the entire time the account has been opened in accordance with the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. 

This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
ERC is reporting a XXXX collection to XXXX, XXXX and XXXX - all stating I opened an account in XXXX XXXX. They continue to report derogatory conditions as recently as XXXX XXXX. Almost 24 months of derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX or ERC about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, I am submitting this request regarding Coinbase 's glitch on XX/XX/XXXX where I made a Market purchase for BCH in USD for a total cost of {$3200.00}. During go-live sale for BCH on XXXX the price was jumping all around, to a point where it climbed up to a price of {$9500.00} where Coinbase had to freeze the exchange because of how out of control it was. 

My market purchase of {$3200.00}, was split into 2 purchases, XXXX BCH for {$5700.00} and XXXX for {$5900.00}. This granted me a total of XXXX BCH, short of what I should of received. Other exchanges did not have highs in the past months over {$5700.00}. 

I have submitted a ticket to Coinbase but have not received any support or call back on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: GA

Complaint narrative:
On XXXX XXXX, XXXX I was locked out of my coinbase / XXXX account in the middle of a transaction for no known reason. I have been on hold with coinbase for a total of ten hours. The first time someone answered they hung up on me. The second time someone answered she told me she would escalate my case to a ten on a scale of one to ten and they ask to correspond through email. No one answers my emails so I held on the phone today for another hour. I was told by XXXX that there was nothing she could do because she didnt have a phone number for the account escalation department and if she emailed them it would kick me out of line and I would have to start over. They are holding my money for no reason for two weeks now. Oh, and XXXX Answer was unacceptable to me so I told her I would hold so she could find out how to call this other department and she just hung up on me too.

Company response to consumer: Closed with explanation