vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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: United Check Recovery Bureau, Inc.
State: OH

Complaint narrative:
This is a a follow-up response to the following case number : XXXX. 


In regard to the response that the company responded with ( filled with falsehoods ), this person responding is not accurate and in the response, and is stating out-and-out lies. This organization has in fact, contacted me NUMEROUS times ( 6 times -- and the 1st conversation was recorded from my end, and the other 5 times I have copies of the message that was left ). I stated from the first conversation that I DID NOT WANT TO BE CONTACTED BY TELEPHONE OR AT MY JOB BY TELEPHONE ... .I also clearly stated THAT I WANTED VERIFICATION AND A PAPER DOCUMENT MAILED TO ME ... this XXXX XXXX responded " Why -- why do you need that?! I can email you something. '' However, no email was ever received. And according to the FDCPA, a verification must be sent by mail after the initial telephone contact. This person has contacted my distant relatives ( they have already filed a notarized statement for my attorney ) that clearly demonstrates they were contacted AFTER this disreputable company knew exactly where I lived and how to contact me. They were just calling distant relatives to intimidate and scare me. Finally, I HAVE RECORDINGS WHERE THESE BOTTOM FEEDERS imply legal action and such from the courthouse .... 

I will be pursuing this to the criminal and civil extent that I can. I am also in contact with ( 3 ) other parties who have been victimized by this disreputable company -- I found these other parties on other blogs complaining about this company and I reached out to them. UCRB better be prepared to be sued for the fullest extent that we are able. I have had enough. By the way, to date, I have received no email and no postal mail from UCRB validating the debt. I have indeed sent a CEASE and DESIST Letter and a Validation Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, XXXX and Equifax, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have repeatedly contacted the 3 major credit bureaus to have my mortgage included on my credit report. They are reporting my mortgage with XXXX XXXX as closed, and the account is very active and still open. I even contacted my mortgage company XXXX XXXX about this and they stated that they are reporting to the credit bureaus monthly, and they are not understanding why it is not up to date with the credit bureaus. 

My most recent contact was XXXX 2017 with XXXX XXXX  and the credit bureau XXXX, Experian and XXXX, I even conferenced a call with XXXX and my mortgage company and they ( my mortgage co. ) explained to them that my account is current and that they are reporting to them monthly, but the response from the bureau ( s ) was still that you need to contact your mortgage company and have them send update to them ( the credit bureau ).

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 2018-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
I would like written documentation indicating who should be named on my Homeowner 's Insurance Policy as the Mortgagee. The company keeps telling me it should be Lakeview Loan Servicing, but they have been unwilling to provide evidence or written documentation to back up that statement. In addition, I have gotten statements over the past year from both Lakeview Loan Servicing and XXXX, so I am not sure which, if either of these two companies should be named as the Mortgagee in my homeowners insurance policy. When I dealt with this company this past summer requesting the removal of my PMI, they told me that the reason it took you over 60 days to respond to my request was due to the fact that they were just the loan servicer and could n't make any decisions themselves, which makes me wonder whether they should be named as the Mortgagee on my home owners insurance policy.

Further, I requested this information on XX/XX/XXXX and was told it would be sent that day. I never received this documentation. I have now waited over a month and have received nothing. This needs to be provided asap as I have an insurance check that I need to have endorsed in order to pay for repairs that I have paid for out of pocket that were covered by my insurance policy.

I have basically perfect credit. I am years ahead on my loan payments and still this company treats me like I do n't matter and am requesting something ridiculous. I have a contractual obligation under my mortgage to name my mortgagee on my homeowner 's insurance policy as the mortgagee, and this company can not provide me the basic assurances or evidence that would substantiate that I have the correct company named in my insurance policy so that I can be certain I am complying with my contractual obligations.

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 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
They reported me after they said they had made the mistake of charging me and that it would n't go against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has repeatedly added a fraud alert to my account numerous times. I have asked them over and over not to add it because it has affected my bank account and my business transactions. They have added a fraud alert 4 separate times after I asked them to remove it. They first added an initial fraud alert. It was sent to all bureaus and my bank account was frozen. I called and removed it from all three. They went back and added a second one on XX/XX/XXXX. I called and removed it AGAIN and told them that I no longer wanted the fraud alert because my banking systems are being affected now. I got an alert on XX/XX/XXXX that a fraud alert had been added once again. I called all 3 to have it removed. I get a letter in the mail on XX/XX/XXXX stating that I asked for an Extended 7 year fraud alert and I DID NOT. Now my banking is frozen again. I called and removed it again on XX/XX/XXXX. I then get an alert from XXXX stating that Equifax added an initial alert again and did not add a number for any creditor to call me. Then they took additional steps to removed me from the promotional offers list by blocking my information. I repeatedly asked them not to do this as well. I was advised by XXXX and XXXX that Equifax is the one that continues to add the alert. XXXX even researched and saw that Equifax suppressed my information from promotional inquiries without my knowledge or approval. So now I am at 4 different initial alerts from just Equifax as well as an Extended alert that I did not authorize. This is my final request that Equifax stop playing games with my report as well as STOP ADDING INITIAL AND EXTENDED FRAUD ALERTS TO MY CREDIT REPORT. ADDITIONALLY I DO NOT WANT A FREEZE EITHER. This issue is greatly impacting my finances and banking history so remove the fraud alerts and add me back to the promotional offers list. I did not ask for my information to be suppressed from promotional offers because I need qualification for my home buying process. It feels that they keep adding them just to make things harder for me. I have to call each bureau and wait on hold for extensive amounts of time just to rectify an issue that I DID NOT ASK FOR. DO NOT ADD ANOTHER FRAUD ALERT, INITIAL OR EXTENDED, WITHOUT MY KNOWLEDGE. ADD ME BACK TO PROMOTIONAL INQUIRIES LIST AND DO NOT SUPPRESS MY INFORMATION FROM PROMOTIONAL OFFERS. If this continues, I will have no choice but to escalate to the Better Business Bureau and my Mississippi Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNTRUST BANKS, INC.
State: NV

Complaint narrative:
After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report. 

I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices. 

They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been trying for months to get in contact with Navient and the calls keep getting routed to a voicemail box to leave a message.  I have left messages and no one has returned my calls.  In XXXX, I called the "XXXX XXXX XXXX" number they provide on their website and was able to get in contact with a person.  I explained to her my dilemma and she looked up my "account".  She was able to tell me that my "account" has been deferred to a collection agency and I need to get in touch with them; this was all the information that she could provide on my "account".  She gave me their number and attempted to transfer the call but said no one was answering.  I have tried calling this collection agency over and over again and no one answers.  I am trying to resolve this account and no one is available to talk to.  Leaving me to believe that this loan may be fraud.  I am now requesting help in demanding information pertaining to the Original Loan Agreement I signed and the amount.  If they are unable to send this information, I demand this account be closed immediately as it is negatively affecting my credit.  It is unfair and harmful to attempt to collect a debt that cannot I cannot verify, negotiate and/or settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX. NOT MY LOAN. XXXX XXXX XXXX in Florida. I live in Michigan. Have disputed with XXXX, XXXX and XXXX XXXX. It was removed last year but now back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Over the past year I have been using TD BANK locations around XXXX, XXXX. I used the account solely for convenience and to cash 1 check per week. I paid the mo thy fees for low balances ( {$15.00} checking/ {$4.00} savings/ as well as {$3.00} ON TOP OF fees already charges by out of network ATMS ). 

I was always careful to keep the balance positive. The few times it went negative ( less than {$10.00} ) I quickly deposited/transferred money within hours and almost always had the account positive by business days close. This incurred repeated {$35.00} fees. 

During the last week before closing my accounts ( final week of XXXX 2017 ) I also had an atm eat {$20.00} of a {$600.00} deposit, to which the tellers directed me to an outside company. I was reimbursed the misplaced {$20.00} after I initiated a review of the atm and it was found to have excess money in it. 

I went in that week to close both account where I signed paperwork in person and was told the branch manager would personally close the accounts in about 2 business days. 

When I checked a week later the savings account was still open. When I called to ask what the hold up was the operator said they did not see the account set to close. I then had to reinitaiate the closing process by phone even though I had signed physical paperwork at a branch to do so the week before. 

I did not complain about the $ XXXX/mth fees I paid to have accounts and deposit my one small check a week. I did not complain about the {$1.00} charged for every bill I wanted to pay from the accounts. I did not complain about the {$6.00} ( {$3.00} TDBANK charge ) combined atm fee for using outside ATMs. I started complaining about the {$35.00} fees for being overdrawn by {$7.00} for 2 hours. The final straw was having an atm steak money from me and be told it was not the banks responsibility and be directed to an outside vendor. 

This all culminated in the closed accounts, which I signed in person, not being acted on and remaining open. Which inevitably would have ended in more fees and more overdrafts ( since the bank told me not to deposit money as this would reopen the account ). Enoughbis enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I received my Mortgage Billing Statement and viewed {$510.00} in charges for products or services that had been added to the content without authorization or request. I contacted the XXXX XXXX XXXX and spoke with XXXX, a representative for customer services who told me that {$18.00} of charges were for a FEMA inspection fee that the XXXX XXXX XXXX was obligated to pay, not me. I asked, If that is the case, why is this charge added to my Mortgage Billing Statement, and sent to me as a bill in the total cost of my mortgage? She stated that I did not need to worry about that charge and to just make my regular monthly mortgage payment which did not include the {$510.00} in charges. She also informed me that the remaining {$500.00} was the result of charges for fees from an attorney in the XXXX XXXX XXXX  Bankruptcy Department. She referenced me to a XXXX XXXX at ( XXXX ) XXXX, and connected me to that department. 
I spoke to XXXX XXXX XXXX, Bankruptcy Lead, regarding the {$500.00} charge of fees for services to prepare what he spoke of as a P.O.C. ( Proof of Claims ) bankruptcy file. He told me that the attorney for XXXX XXXX XXXX was viewing the computer and he saw that a Chapter XXXX Bankruptcy with my daughters name had been filed. He also stated that the attorney for XXXX XXXX XXXX knew he would have to send a Proof of Claims file to the court and he did. I informed him that neither my daughter nor me had requested or authorized this action. Also that written notice to cancel the bankruptcy proceedings had been given to the law office initiating the case. In addition, that none of the requested necessary paperwork was ever given to that law office ( Tax Returns, Bank Statements, XXXX Forms, Payroll stubs, or Mortgage information ) purposely, as assurance to prevent them from attempting to file a case anyway. I informed XXXX XXXX that I was present in the law office when my daughter gave specific instruction to the attorney in charge that my residence was not to be included in the filing for the Chapter XXXX Bankruptcy. She stated that she was no longer a resident at the address and that I ( her mother ) made all payments for the mortgage which was neither in arrears nor foreclosure. They assured her that nothing they did would affect my residence. XXXX XXXX was persistent in stating that the attorney for XXXX XXXX XXXX was obligated by the court to prepare a Proof of Claims file and to submit it to the court regardless of whether it was requested or authorized. He also told me that the fees would remain on my account until they were paid by either my daughter or me. To date : XX/XX/XXXX, the fees remain on my Mortgage Billing Statement. I inquired of XXXX XXXX, How can it be allowed ( as the incident was described to me by him ) that some attorney just looking on the computer would perform this action without my knowledge, request, or authorization, and then bill me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: AZ

Complaint narrative:
XXXX XXXX Closed : XXXX XXXX, XXXX + {$6900.00} Closed This account is still showing a balance on my credit report. I filed chapterXXXX bk and was discharged in XXXX XXXX, this loan was also part of the bankruptcy, I have spoken with XXXX many times but they keep reporting that there is still a balance showing, I want the balanace to show " XXXX ''. the vehicle was returned to them pior to filing the BK.

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 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Initially I was mailed out a letter from Sunrise Credit Services Inc dated XXXX/XXXX/XXXX stating that I owed them for an account from XXXX for the amount of {$570.00}. In this letter there was no itemized statement to show what exactly I was being charged for. The balance is incorrect. XXXX/XXXX/XXXX I went and mailed out a debt validation letter requesting Sunrise to submit proof that I held a contract or legal obligation to repay this debt that they are accusing me of owing. I received nothing at all. Not a statement, no itemized detail of the balance or signature showing I had a contractual obligation to pay them. I am requesting to have this debt removed from all 3 of the primary credit bureau. They had more then 30 days to verify this debt was mine.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In year of XXXX i took plead deal on a sales tax for underreported sales it was a partnership. it was mismeanor offence. In XXXX i apply for credit card with Chase Bank they sent out my cards to me. within 2months they close my account. I wrote a letter to their excutive branch and they said, they decline me because I pleaded guity to a tax fraud in XXXX just found out this information today XXXX/XXXX/XXXX. I bank relation with other Banks i.e. XXXX XXXX XXXX, XXXX, and XXXX XXXX .. This happen 10 yrs ago in our XXXX XXXX .. please give me some direction what need to do clear my name with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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.

Complaint narrative:
My previous mobile phone number is not available and I try to change my login information (a new phone number), but the system won't accept my passport. Last two months, I have emailed Coinbase.com four times regarding my login issue and there is no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I transfered money from my Coinbase account to my bank account XX/XX/XXXX and got a response that money will be on my bank account XX/XX/XXXX but it still has not arrived. 

The amount was XXXX euros and XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: PA

Complaint narrative:
They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified

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