vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Account is with Wells Fargo and since XX/XX/XXXX of 2016 I have been charged over XXXX in overdraft fees, however accordin ti their written policies a majority of the fees should have never been charged in the first place, upon doing a detailed review of the account it also revealed that the overdraft fees are a huge reason as to why my management of my account was so poor. 

Wells fargo stated verbally on several occassions that they have no set time that you can make a deposit to cover an overdraft before you are charged the fee however in their own documents it states differently.

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 monetary relief
Consumer complaint received 2017-11-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Name is listed twice.The right name should be XXXX XXXX XXXX not XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We were approached by Nationstar Mortgage to refinance our loans to one loan. We were also given a rate and payment amount at that time. We obtained a payoff quote in order to pay off the 2nd loan. We signed the paperwork without an understanding that the lender did not pay off the 2nd. Our payment essentially is the same. However, we had 20 years of payments left. We now have 30 years of payments left on a loan at a higher interest rate than we were told. We will end up paying MORE over the life of the loan than we would have if we had not refinanced. We will pay 10 more years of payments and because the 2nd loan was not paid we also incurred a 30-day late on our credit report, jeopardizing the possibility of purchasing our next home. We lost out on a home that we wanted to live in as our credit scores were too low to obtain a mortgage. We are also paying more money than we would 've paid and we still have a 1st and 2nd mortgage. There was no Net Tangible Benefit in obtaining the loan. The servicer sold the loan and gained the only benefit. We not only suffered the loss of a primary residence ( the refi was an income property we purchased as an asset for our children to have one day and we intended to take money out to help with a down payment on our primary residence ), we also have suffered financially. We could not get the house we wanted because of the credit damage and the inability to get equity from the income property. And we are going to be paying the 1st mortgage a decade longer with no real benefit but rather a loss overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. 

I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am enrolled in the Public Service Loan Forgiveness program and have been since 2011. However, despite making many, many payments under this plan under the required criteria set forth, XXXX XXXX will NOT count my payments toward the plan and despite doing all that is required of me, is claiming that I 've only made 16 payments toward the plan, leaving me with 104 more payments. When I ask them for paperwork they wo n't provide it. What they have provided proves that I 've made more payments ( all of which have been a struggle to make ) and when I point this out to them their customer service representative tell me it 's on me to prove it, and that I need to write a letter proving why I 'm right and they are wrong. They have made absolutely no attempt to correct their wrong. In addition, there has been several times when they have charged me mystery fees that are simply unexplainable. 

The final straw for me is that after making another two years worth of payments, I just received a notice from them stating I 've only made 16 qualifying payments. Again, they provide no explanation. I 've stayed in public service because of this program and it 's ended up being a total disaster thanks to XXXX XXXX. 

This situation, being just one customer up against the machine of the Federal Government, is extremely overwhelming and defeating. I do n't know where else to go or what to do. I know I ca n't be the only one ... .I read that the State of Massachusetts is filing a lawsuit against XXXX for the exact same problem I 'm having. 

Please, please help me. This is so wrong and I need help fighting this terribly corrupt company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 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:
I am unable to Withdraw or Purchase bitcoin via my Coinable account, they currently have {$180.00} of my money and have failed to respond to any emails, phone calls or support requests I have sent after over a weeks time and submitted multiple copies of identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just received yesterday 2 separate letters from experian credit reporting agency. I am uploading the letters. Experian states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why experian and XXXX are not removing it but I am frustrated at the fact experian sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.

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 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
UNEXPLAINED AND INEXPLICABLE CHECKING ACCOUNT CLOSURE Dear Recipients, I am alerting you as well as giving you the opportunity to correct a mistake before it becomes a Media or Legal problem for Chase. 

Last night while at XXXX XXXX in XXXX XXXX, CA, my purchase was declined. Embarrassing and also Alarming I left the store without my Purchase. 

I proceeded to log into my account via my phone and the Chase App, on my phone. The App denied me access to my account, so I decided to call the Customer Service phone number to find out what had happened. 

This what I was met with, : '' Sir we have decided to end our Banking Relationship with you after Internal Review the Decision was made '' " What information was used or what decisions had been reached, using what data, to make that decision '' I asked. 

The response was that they have no responsibility to tell me or explain the Decision. 

Pretty Incredulous RESPONSE to a simple inquiry. 

As a Politically Active XXXX Man who is XXXX XXXX  and uses my account for the primary purpose of Receiving Federal Funds from the US Treasury and XXXX XXXX XXXX Benefits, I can only surmise that Chase Bank engages in Discriminatory Practices, for people such as myself. 

I would have to assume this based on the lack of reason being provided. I know that Social Media as well as Stories of Interest, can be a powerful tool to bring about change. I also have no problem involving Media, Politicians and using full weight of the XXXX Community to bring about an instant response. 

Why do I need to do that? 

I activevely suggest and require a response immediately to mitigate any further action on my part. 

Sincerely. 

XXXX XXXX XXXX XXXX XXXX ; XXXX Show quoted text

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just received yesterday 2 separate letters from XXXX credit reporting agency. I am uploading the letters. XXXX states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why XXXX and transunion are not removing it but I am frustrated at the fact XXXX sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.

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 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase Bank abruptly closed ALL of my checking ( s ) and savings accounts without notice and without reason, no explanation was ever providedon XXXX XXXX, 2017 day before XXXX. Chase bank also returned my outstanding checks, even though there was sufficient funds for them to clear. Additionally, Chase informed me that due to the alert on my checking and savings accounts, no checks, electronic drafts or any payments would clear my accounts. Again, without an explanation or reason. Despite the fact that until now, Ive maintained excellent credit and have had over a 15 ( fifth-teen ) year relationship with Chase bank. 
Consumer Harm : Chase bank has inflicted irreparable harm upon my credit worthiness, character, financial good name and honor. It refuses to honor my direct deposits, and release available funds from my checking account to vendors for remittance of payment. Since XXXX XXXX, XXXX, day before XXXX all of my outstanding checks have been returned unpaid. The banks fraud department continues to deny me access to withdraw my funds and close-out my accounts. This treatment is a severe form of harassment and bullying -- -toward a depositor, and consumer account holder. Please urgently investigate the matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Go Capital Holdings, LLC
State: TX

Complaint narrative:
This is an identity theft account that o have provided documentation for, however the creditor will not remove it fro my account. 

I have provided all information requested to validate my address as well as documentation proving identity theft, however the creditor will not remove from my reports. 

I have also asked the creditor Go Financial to validate however they have failed to do so and it 's been 60 days.

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 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I purchase ETH on XX/XX/XXXX for the amount of {$4600.00} and then they suddenly suspended my account on XX/XX/XXXX and refunded my money. I asked them several times to reopen my account but they do not respond back to my emails. 

They do not provide phone number to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently. 
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale. 
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me. 
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey. 
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion. 
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op. 
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny. 

PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX ( Amount : XXXX ) ( Equifax ) XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One XXXX, XXXX .... 
The basis for my dispute is ALLEGED balance of - was required to notify me prior to X/XX/2015, or no later than 30 days after Capital Onefailed to notify me about reporting derogatory info. to XXXX, and In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, Capital One '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Capital One failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXXDallas XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express XXXX The basis for my dispute is American Express was required to notify me prior to XX/XX/XXXX, or no later than 30 days after American Express failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall  be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, American Express " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Express failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120 status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve American Express is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX-XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have paying them since 2007 an average of {$300.00} per month. Since then they changed my payment several times, the changed their name to Navient from XXXX XXXX. I lost my paperwork in the hurricane Katrina while living in Florida. I have requested several times that they send me the original agreement and terms. I have received only lip service. 
I see they have settled several class action suits ( I was not privy to ) because of their practices which border on usury. I do not believe that owe them any monies however they claim over {$30000.00}. How is this possible when I have paid them around {$36000.00} and my loans were not that much. They are keeping me in debt and in the dark. I have tried the states atty. general. No luck only sorry contact our ombudsman who still refuses to send me the original docs.

Company response to consumer: Closed with explanation