vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
My account was previously with MB Financial Bank. I moved from XXXX to XXXX on XX/XX/XXXX. MB was bought out on XX/XX/XXXX. 

I did have an overdraft that i am willing to pay to resolve this issue -- when i called in mid-XXXX, i was quoted {$62.00} to clear the overdraft and close the account. I was assured nothing else would be charged to the account, and i did request the account be closed. 

I received a statement today showing a balance of - $ XXXX, but when i called Fifth Third in the morning, the agent stated the balance was at - $ XXXX. The agent reversed two overdraft fees, but refused to stop activity on the account and told me fees would continue until it was paid in full. ( Apparently XXXX XXXX keeps trying to take money out, but i am pretty sure i cancelled my membership. I am aware that i also need to contact them, but Fifth Third should be able to stop activity on the account. ) I was given a different phone number and transferred to a department that couldn't help me. 

I posted on social media with the hopes of corporate closing the account and setting the discrepancy with the overdraft amount. I spoke with that department, who refused to do anything for me. 

My concern is that i did not voluntarily sign up for a Fifth Third account -- it was a transfer from MB. I have no account number for the Fifth Third account, nor do i have an online banking login, a nearby branch, or any other way to monitor this account. I can't tell how many times my account has been charged, or for what. ( I do still have my MB account number and debit card. ) How am i supposed to reasonably know what fees are legitimate? I would like to settle the account in full, but do not believe I should be held responsible for charges after my first contact with Fifth Third, as i made it abundantly clear that no other charges were authorized to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
Coinbase insists on clawbacks to my accounts. Their custodial banks refer me Coinbase Support for support but their specialist is unreachable and only sends out automated responses. Much like a robot. It is very frustrating when trying to prove your identity and settle outstanding balances that should clearly be in my favor since all I did was buy coins that went up 30-40 % each. The rest is what they call a compromised account where custodial banks had the privilege of selling and sending my coins to Coinbase without my knowing ; weather or not this was to be profitable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax have not sent me my annual credit report. I've requested my credit report three times over the phone. 
This is my second compliant on this matter. All the credit reporting agencies sent the report after compliant was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
My mortgage was sold by XXXX on XX/XX/19 to a company called PHH. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. PHH has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. PHH is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I received a move out bill dated XX/XX/2018 from XXXX XXXX XXXX The Residences at New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO  XXXX on XX/XX/XXXX for {$450.00}. I responded to the letter, notifying them why I was only paying {$71.00}. They never scheduled a move out walkthrough with me. They charged {$340.00} for carpet replacement. i lived there for 39 months. Normal wear and tear. 

I never heard back from them. I received a bill from FCO that was dated XX/XX/18 in the amount of {$830.00} more than double the bill they sent me. As i stated, the only bill i received was dated XX/XX/18 for {$450.00}. I contacted FCO on XX/XX/XXXX and emailed them my bills and what the situation was. They said they would speak with XXXX and get back to me. 

I have not heard anything to date but now know there are other residents that experienced a similar experience as mine. 

Thank you.

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 2019-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.

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 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I sent a request in for a hearing ( on XX/XX/XXXX ) in a timely manner but the Department of Education never gave me a date for my hearing. In early XX/XX/XXXX I noticed that my student loans were in default, of course I wonder how since I hadn't even had my hearing. I decided to contact the Department of Education to let them know that I never received a letter regarding a date for my hearing and I was informed that I needed to contact the collection agency which was Coast Professional, Inc. I contacted Coast Professional, Inc. regarding the matter and they directed me back to the Dept. of Education. Again I called the Dept. of Education and they redirected me back to the collection agency. This time when I called the collection agency back, I asked to speak with a supervisor. A supervisor at the collection agency, pulled my file and confirmed that the Dept. of Education did receive my request for hearing in a timely manner but he's not sure why they never gave me a date for my hearing. The supervisor at the collection agency informed me that there was nothing they could do that I'd have to take it up with the Dept. of Education. I'm looking to consolidate my student loans and get out of default, which I shouldn't be in in the first place, and obtain a payment that I can afford. I've recently just found out about this site this is why I'm just now submitting my complaint.

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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
FirstBank sued me for foreclosure on my principal residence on XX/XX/XXXX, even when I already had submitted a complete Loss Mitigation application. Since this nightmare started for me and my family, I have been trying to save my home in multiple occasions submitting loss mitigation applications to the Bank, while at the same time battling the foreclosure process at court. On all these occasions, my Loss Mitigation applications were never evaluated on its merits and with the purpose of Loss Mitigation which was created to help debtors as me save their homes. Due to the fact that the Loss Mitigation department of FirstBank has never given me a real and/or possible option to keep my home, I started looking for other options instead of foreclosure. I found a couple interested in making an offer in short sale for my property. For this option I submitted all the proper documentation required for the consideration of the short sale offer, including a valid short sale offer according to the real price that the property has today at the market. FirstBank after allegedly considering this short sale offer declined multiple offers made by this couple. After the Bank declined the short sale offers, I submitted on XX/XX/XXXX a complete loss mitigation package for a deed in lieu of foreclosure and as of today that I am submitting this complaint, the Loss Mitigation department has not evaluated this application and instead they keep adducing that there is still missing documents, which I have provided them again and again. I am looking for help from the CFPB to request the Loss Mitigation Department to comply with their obligation and do not keep delaying the evaluation of my case on its merits. The Bank has been delaying the evaluation of my case with the only interest of foreclosing my property since the Court informed that my property will be auction on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account with chase is # XXXX i pay for legal services trying to save my home with company call solution foreclosure I send to this company two cashier check one for {$600.00} and another for {$1500.00} for some reason I found out the this company dont have a regular lawyer so I call the company to reverse this fees the company agrees to return my fees {$1900.00} from XXXX XXXX XXXX   check number XXXX check # XXXX the check ready clears from XXXX XXXX chase will not give to me my founds to hire my other lawyer I been evicted from my house and I need to stop the eviction chase is holding my founds my account with chase is # XXXX XXXX XXXX I want to get my money to fix my problem I dont ask for money free I been calling the person assign to my case XXXX XXXX XXXX XXXX case XXXX she dont return my call leave tree messages to her please help me to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My mortgage was sold by XXXX on XX/XX/19 to a company called XXXX. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. XXXX has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. XXXX is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.

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 2019-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Went into XXXX XXXX  in XXXX XXXX on XX/XX/2019, and closed out my safe deposit box. It was the last day before they would be charging me for another years fees. Emptied the box, signed a surrender form and returned the key. After all this, the teller ( XXXX ) refused to give me a copy of the surrender form that I signed. I was surprised to find out that the teller was also the bank manager! She was rude and insulting. Atrocious customer service. 
The form I signed was a legal, financial document - and she just refused to furnish me a copy of it. I should get a copy of any document that I sign my signature to. I left the bank with no proof that I surrendered the box, of the date I surrendered the box or of the fact that I returned the key to the box. If any of these things become an issue, I have no proof of anything. Furthermore, anything on that document can end up changed and I would have no proof of what I actually signed for. This is totally unacceptable. Especially for a financial institution. Everything should be well documented with copies of the signed forms going to everyone. Makes me question their credibility. 
If I hadn't already closed my checking and savings accounts I would certainly do so now.

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 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Last year I upgraded my Marriott credit card with Chase to the XXXX XXXX credit card. This credit card has a higher annual fee ( {$95.00} ) and additional benefits, such as a annual free night certificate for rooms up to XXXX points ( instead of the XXXX points offer on the {$85.00} annual fee credit card ) on the account anniversary. Last year I paid the {$95.00} annual fee for the upgraded card, however the annual free night certificate I received was for a room up to XXXX points and not XXXX points. I contracted Chase, however they are unwilling to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital-One 360 : I sent {$1000.00} on XX/XX/19 to XXXX XXXX using XXXX from my 360 account after 5 day she had not recieved the money. So I call the Bank, they said it was being processed after 5 days Wow. I said Ok i will wait couple days. XXXX call me again and said she had not recieved any money yet now it's XX/XX/19. I call Capital one again the agent said it being process again 14 days processing thats to long. Of course I was very upset and demanded my money back ASAP they said they would have to make a claim this could take 10 to 45 days. To make a long story short here the person I sent the  money to needed it on the XXXX, how can a Bank hold up your money 24 to 45 days? I want my money back now how can it get it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: SC

Complaint narrative:
A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account XXXX # XXXX ( XXXX and TransUnion )

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 2019-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
High interest rates on my student loans through Navient. The interest rate is 12 % which is Usury, the act of lending money at an interest rate that is considered unreasonably high to the financial health of the loan repayer. My mother died when I was XXXX just three years before I started college. I was raised by a single father that had bad credit due to medical bills from my dead mother. My father lost his job in XXXX and has seen an income reduction. I have been unable to find reasonable employment. In XXXX I sued the University of XXXX for denying me a part time marketing position. They wanted me to have XXXX twitter followers which was illegal under michigan law. I won the lawsuit against XXXX of XXXX They did not care about my marketing degree from The University of XXXX which I pay navient and exorbitantly high interest rate on. I was told this degree would unlock my future, not lock up my future. My degree is worthless and Im underwater as the result of predatory lending practices by Navient and Sallie Mae. Im stuck in life with the burden of student loan debt. This is a systematic scam on the American people. How can you lend money without considering economic conditions in the labor market? How can you lend money to 1000 marketing degree majors when there are only going to be 100 marketing jobs in the market? Navients lending was negligent and only sought to make profits. They never cared about the borrower. See you in court Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In 2004 we refinanced our home with XXXX XXXX XXXX dba XXXX XXXX XXXX. The note and deed of trust were immediately purchased by XXXX XXXX. The total amount of the loan was {$310000.00}. 

We have been paying on this loan but apparently XXXX XXXX   never received the payments so we have requested an accounting to be done on the loan and are waiting. Please see attached request for leave from the XXXX Circuit Federal Court of Appeals. 

We expect to see all books and documents regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
I applied for a modification with my mortgage. I was told today that they closed the file today ( denied ) and they assessed a sale date for next week, XX/XX/2019. They closed my file and did not even give me a week before assessing a sale date. 

They also gave a reason for denial was that my home was a mobile home. It IS NOT a mobile home, it is manufactured on a permanent foundation and registered with the county as a Single Family Residence ( SFR ). 

This is NOT FAIR that they closed my file and assessed a sale date in less than 7 days on my property, not giving me any time to dispute or look for other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED ME A GREAT DEAL OF STRESS AND HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The finance company for my vehicle, Credit Acceptance, has been repeatedly calling me and my co-signer daily. In the attached files are examples of the frequency to which they call. They even contacted our salesman to harass us. He called and text us. His name shows as XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I called on or around XX/XX/2019 to close out my BestBuy credit card. I did not authorize the closing out of the account. 
I wanted to get a replacement card. Instead my entire account was cancelled. When I called to ask them to send me a new card I was told they would have to replay the recording of the original phone conversation. I made a follow up call after 7 days. When I spoke with them I was told they couldnt pull the original call and therefore would not reinstate my account. This leaves me with no option but to reach out for the help of CFPB.

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