vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Seterus, Inc.
State: OR

Complaint narrative:
Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
This excerpt from an email sent to LoanCare on XX/XX/XXXX sums up the situation : " This is re : my new mortgage payment amount. As I have provided documentation over 4 months ago showing that I am exempt from property tax, and as LoanCare has taken no action in all this time to adjust my mortgage payment but has dunned me to pay my previous payment of {$480.00}, I have found it necessary to take matters into my own hands. My annual property tax amortized monthly is approximately {$68.00}. As I am exempt from property tax this leaves {$420.00} which will be my new mortgage payment per month. Moreover, my exemption began on XX/XX/XXXX yet I paid the former mortgage payment that month. Thus, I have overpaid LoanCare {$68.00} which I will deduct from the payment for XX/XX/XXXX. Thus, on or about XX/XX/XXXX I will pay $ XXXX or {$350.00} which should correct my account. As my need to take this corrective action is a direct result of LoanCare 's unresponsiveness to my emails and phone call, I expect LoanCare to notify all credit agencies it reports to and ensure that my record shows I am in good standing. If attending to this situation is too difficult, demonstrated by LoanCare 's continuing  unresponsiveness to my account 's needs, perhaps the Better Business Bureau will be able to assist. 

In futile hopes of prompt attention, '' LoanCare responded to this email by continuing to dun me for payment that was not owed. I did file a complaint with the Better Business Bureau at which point LoanCare 's escrow department finally reevaluated my account, but the amount they claim my monthly payment should be is higher than I calculated and they claim I am over {$700.00} behind on my mortgage, which I am not. They continue to dun me for payment sending letters threatening me with foreclosure.

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 2017-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I used to work with coinbase to buy bitcoins and till now everything worked fine. 
1-2 weeks ago when bitcoin price crashed a bit i wanted to buy some bitcoins fast. 

so like every time i logged in and ordered some bitcoins. 
after the purchase i was asked to verify to speed things up else they would hold the coins for 3 days. Which was strange because i already was verified! 
i tried to verify again ( they asked for driver license ) but on the mobile it did not work and on my pc i have no webcam.. after some tries i got a error message and was logged out. Now i cant login because my account got locked. 

i already tried to contact their support of course but on phone i gave up cause no one i answered for over 30 minutes and via email i got an automated email they are " looking '' at it.. 

i ordered the bitcoins ( worth XXXX ) on XXXX 2017 and so i got not a single response till now! 
i just want my account to be unlocked and send the bitcoins to my wallet..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: U.S. BANCORP
State: WI

Complaint narrative:
In XX/XX/XXXX, I had closed a checking/savings account at US BANK with XXXX and reopened new accounts due to suspected fraud. I had explained to the banker ( s ) that we had Automatic Payments coming from the 'old account ' via either ACH, Check, or Debit Card Number ( s ) that we possibly could cancel or change if needed, but was reassured that they had all the notes in the account and any payments that attempted to pull from the old account prior to the date of close, would pull from the new account ( s ) with no issues. They did tell us that we still had to set up new automatic payments with each company for any future payments, but any prior ones to that day would go through without a problem. They were Wrong. Every payment made from that account was returned, Including the credit card payment that was to be made to my US Bank Credit Card in XX/XX/XXXX. US Bank Did eventually reverse any and all late payment fee 's associated with this error, but apparently did NOT fix the incorrect late payment information they had sent to the credit reporting agencies. Now, we are currently looking to proceed with an application for a mortgage but due to these two wrongly reported late payments, it has dropped my credit score significantly enough to not allow us to proceed. 
On XX/XX/XXXX, I had spoke to XXXX from US BANK via phone about this matter, because he was the person whom I worked with initially on this issue and told XXXX that my wife, would be in touch via email to discus/receive the necessary documents to allow us to proceed with the dispute process. He agreed, and said we would be in touch. My wife emailed XXXX XXXX from U.S. Bank, XXXX XXXX, WI XXXX XXXX Branch, On the same Day in regard to the misinformation that was reported to the credit bureaus from U.S. Bank ; two late payments from XX/XX/XXXX and XX/XX/XXXX. When she did not hear from him by XX/XX/XXXX, she sent another email to XXXX, asking if he had received the prior email. On XX/XX/XXXX, He responded, saying that he had been on vacation and that he would try to get to it that day. She responded that same day to acknowledge she received that email. After never hearing back from XXXX, she tried emailing again on XX/XX/XXXX, asking for his cooperation with this matter, but still have n't heard back. I have tried calling him as well, but have n't gotten through to him or his voicemail.

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 2017-11-24 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: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
Chexsystems refuses to remove untrue information on my credit report. There was no fraud activity with XXXX XXXX. Also, there are numerous inquiries on my chexsystems report from XX/XX/2017-XX/XX/2017. I did not authorize these inquiries, but chexsystems refuses to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is taking my funds from my account for an issue I have a receipt. They told me the receipt is not valid, even tho they submitted the information

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 2017-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On our XX/XX/XXXX statement from Chase credit card there was a charge from XXXX XXXX for {$44.00}. I immediately reported this to Chase as a fraudulent charge. Since this was the third time we had a similar experience with Chase we decided to cancel our credit card on XX/XX/XXXX. Chase sent us a letter on XX/XX/XXXX requesting support for our dispute. I sent them, in writing and by fax, an email from XXXX XXXX that they agreed to reverse the charge on XXXX/XXXX/XXXX. I included this email in my communication with Chase. On XXXX/XXXX/XXXX, I received another letter from Chase requesting evidence to support the reversal of the charge from XXXX Watchers. Again I sent them the email from XXXX Watchers stating they had reversed the charge on XXXX/XXXX/XXXX. On XX/XX/XXXX I received a letter from Chase, dated XX/XX/XXXX,  that they had investigated the charge, called XXXX XXXX, and that they were not going to support our dispute and would put the charge on our next billing statement. THIS WAS AFTER WE HAD SENT THEM THE EMAIL FROM XXXX XXXX ON THREE DIFFERENT OCCASIONS THAT THE CHARGE WAS REVERSED ON XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
The Citi HELOC is the 2nd lien holder on this file. We are trying to get short sale approval from Citi. 

On XX/XX/XXXX, XXXX XXXX, the 1st lien holder, issued short sale approval but we can not close until we have the Citi HELOC approval. Citi has been difficult if not impossible to work with. I have spoken with Citi many times, and I am Authorized on the account, but I just tried calling again today, and Citi told me there is no authorization on file for me. I have sent my authorization to Citi on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been working with a Citi Single Point of Contact, who would not work with me unless he had my Authorization on file.
In order to get Citi short sale approval, they need the property value. I was told that a BPO/Appraisal was ordered on XX/XX/XXXX, then when I called on XX/XX/XXXX, I was told it was re-ordered. Today I received an email from Citi asking me to let you know when the Evaluation has been ordered. 

We do not want this property to foreclose and we are at risk of losing our buyer. Would you please assist us?

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 2017-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I requested to the company that validation be sent for so called debt or otherwise delete the collectiona from all three credit reports. I never received validation for the accounts in question. 

Both accounts are with the same collection agency for different amounts. The first amount is {$1000.00}. This account was opened with the collection agency on XX/XX/XXXX. 

The second account in which I requested validation was opened on XX/XX/XXXX with this same agency in the amount of {$4800.00}. 

No validation that I owed this debt was presented to me in the 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
while going through old papers which belonged to my XXXX husband, I found 2 CD certificates from XXXX XXXX XXXX in XXXX, now defunct. I researched and found that bank became LaSalle Bank and later Bank of America. I went to Bank of America, but the account numbers were not in their records. I was given no further advise I have the original Certificates with Customer names and account number and date of issue and date of maturity.

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 2017-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jim Bottin Enterprises, Inc
State: PR

Complaint narrative:
I have been receiving phone calls from a collection company Number ( XXXX XXXX XXXX They said they are representing a company name XXXX XXXX. I contested the debt and demanded verification. They did not provide any instead gave me another telephone number. I called the number they gave me XXXX XXXX XXXX they did not provide verification they did not identify themselves they wanted me to provide them with my personal information. 

I have never done business with such company. I do not owe any money to this company and they keep calling me in a regular basis requesting payment without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been paying XXXX XXXX, XXXX on a Home Equity Line of Credit ( HELOC ), loan # XXXX. TD Bank continues to incorrectly switch payments I designate as interest to principal and then show interest as unpaid. This has happened nearly every month for almost 6 months and I need to spend over a week every month going to a branch bank and requesting they correct the problem. 

Most recently, I made an interest only payment of {$230.00} to TD Bank on XX/XX/XXXX. Then, on XX/XX/XXXX, I made a {$750.00} principal payment. When I saw the XX/XX/XXXX payment online that same afternoon, it was posted correctly. After overnight processing, when I viewed the account online on XX/XX/XXXX, the payment was flipped out of interest paid to principal paid. Unless I hound the bank to correct this problem, TD Bank can report the unpaid interest for the month to all credit reporting bureaus as negative credit information that hurts my credit rating, which is in the mid XXXX. 

The XX/XX/XXXX principal payment first appeared as a split between interest and principal when viewed online the same afternoon as when the payment was made. Then overnight, the payment flips into all principal. About 6 months ago this problem started. It started around the same time as a former branch manager, XXXX XXXX, in the XXXX XXXX, FL XXXX XXXX office left the branch. She told me that she had spoken to the back office and told them to fix the problem. I think she may have told them to create the problem. 

TD Bank 's XXXX Florida branches and their staff all seem to be wholly incompetent. I 've dealt with TD Bank branches in the states of NJ, VT, PA and FL at various times and only the FL branches have continued problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. 

The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a  representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. 

I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error.
I have attached the extension letter from XX/XX/XXXX extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.

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 2017-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed numerous ATM debit transactions on an account that had a {$0.00} balance. Numerous withdrawals were made over a week period that exceed the daily ATM withdrawal limit and increased the account 's negative balance to just under {$8000.00}. This type of activity had never occurred on this account over the 5.5 years it was open. However, these transactions did not raise any red flags with BofA that led to a direct inquiry. 

When I called BofA on a recorded line and told them not to allow any further transactions, two additional withdrawals were made later that day for {$1500.00}. 

BofA had no explanation about how these withdrawals could have continued to happen with such a large negative balance. They had no explanation regarding how they performed their fiduciary duty to protect my assets. I closed my account. 

BofA reported Account Abuse to XXXX. I paid off the reported amount so I could continue bank with another bank. I am disputing my responsibility for the last {$1500.00} of withdrawals thru XXXX following my recorded call request to stop all further transactions.

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 2017-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX Attorney, XXXX and I contacted Equifax and spoke with their Fraud team. They agreed that XXXX XXXX/XXXX provided was fraud in the amount of {$5200.00}. They were supposed to remove. 

They still have not. 

On XX/XX/XXXX I filed a new fraud/dispute # XXXX to remove continued fraud of XXXX XXXX/XXXX customer and 3 new fraud accounts from XXXX XXXX. 

On XX/XX/XXXX they requested a full copy of the last XXXX XXXX Police Identity Theft Police Report. I faxed this to them at XXXX on XX/XX/XXXX at XXXX XXXX. I will attach a fax confirmation of this. 

On XX/XX/XXXX & XX/XX/XXXX I called again to make sure they received a copy of the faxed police report and they said they did not. 

Now they say they have closed confirmation # XXXX before I could submit the police report. They just closed the file without attaching the police report. Thus not taking off the fraud. 

I have faxed in all documents of fraud to verify fraud by the XXXX XXXX, TX and XXXX, TX Police Departments. 

They promise to remove fraud, but they do not. 

These same companies have been removed correctly from my XXXX and XXXX Credit files.

Company response to consumer: Closed with explanation