vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX i went to Chase Bank,XXXX XXXX XXXX, XXXX , CA.XXXX ( XXXX ) XXXX, to open a checking account. After the employee " XXXX XXXX '' processed my personal info told me that she couldn't open the account, because there was a notice of a previous checking account ( which i closed with XXXX  balance ), but she never told me what was reason. After several calls and wasting 2 hours of my time she opened the checking account. After i received the welcoming letter and the Debit card i received a call from " XXXX XXXX '' to go back to the Bank with my personal mail in order to prove that my address is correct. On XX/XX/XXXX i went back with mail to prove my address.After she called two departments of Chase, she told me that Chase blocked/deleted my checking account without explanation even though i insisted to tell me the reason. Throughout my time with " XXXX XXXX '' her Supervisor was monitoring everything which was Unprofessional. The phone # she gave me is ( XXXX ) XXXX ( Operating Loss Prevention ) which i called on XX/XX/XXXX and spoked to employee XXXX ( female ) who was Rude and Racist for pretending that she don't understand me because of my accent ; i called this # ( XXXX ) XXXX on XX/XX/XXXX which is a phone center in XXXX, they were unprofessional and couldn't explain the note of my previous account. I feel that i am a victim from a Fraudulent and Racist/Discriminatory Company, because i asked to open a checking account.  Plus they willn't return my initial deposit i made to open the account. Chase Bank was Bailed out with taxpayer money ( like many other Companies ) on XX/XX/XXXX for Defrauding consumers and other Companies around the World, but after XX/XX/XXXX continue the same tactics. American Government should be proud for doing that, but never bailed out any consumer from those Fraudulent Financial Companies/XXXX for being Defrauded for so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal is stating that this debt doesn't exist between them and myself. The account is unverified, it was absorbed in a chapter XXXX bankruptcy but yet it continuous to appear on my XXXX Credit Report. Please see that the attached credit report verifies this company 's name and address. The date that this credit report was pulled was on XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
I wired my money ( {$8000.00} ) to Coinbase USD Wallet. The money was successfully wired. However, after receiving the money, Coinbase requires me to give them my social security number to buy, sell, withdraw that money. However, I do not have an SSN, so I can not do anything with my money. I have contacted Coinbase via email on XX/XX/XXXX, but haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and TransUnion credit services are reporting different account histories. TransUnion is reporting from XX/XX/XXXX to current, while XXXX is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. XXXX  is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while TransUnion is less days late. XXXX said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.

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 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX  credit services are reporting different account histories. XXXX  is reporting from XX/XX/XXXX to current, while Equifax is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. Equifax is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while XXXX  is less days late. Equifax said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.

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 2018-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stewart Information Services
State: MD

Complaint narrative:
on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX  XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX  ... Single Father of an XXXX yr old ... XXXX XXXX  XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, my online Navient account advised that I didn't need to make a payment till XX/XX/XXXX. No reason was given. To be clear, I didn't ask to delay payments. In fact, I have previously exhausted my ability to do so. When a resumed payments I noticed my " estimated payoff date '' changed by THREE YEARS. It went from sometime in XX/XX/XXXX to now it's XX/XX/XXXX. I believe it was those two " don't have to pay '' months. 

My loan started in XX/XX/XXXX. How in the XXXX can it take 28 YEARS to pay off? Stuff like this is the answer. Navient has failed as a loan servicer provider, as their mission is to keep people paying as long as possible so to collect as much fees as possible. Horrible communication and shady actions, such as what I described above are their hallmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I spoke with a representative from XXXX XXXX, XXXX and requested them not to contact me by phone. That was XX/XX/XXXX. The very next day, I received two separate calls within five minutes from XXXX XXXX, XXXX. I did not answer. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX. I again informed the rep that they are not to contact me by phone. I have already fought this company on their bogus claims in court and won based on their inability to prove that they own debt in my name. Also, it is past the statute of limitation. The rep I spoke with on XX/XX/XXXX mentioned various times that due to the age of the debt, they would not pursue the issue in court. They have also re-aged the debt with at least one credit bureau and indicate I have a " Major Delinquency First Reported '' amount dated XX/XX/XXXX. I have never conducted business with XXXX XXXX, XXXX, therefore I can not have a delinquency with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: OR

Complaint narrative:
After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX   reporting this line once again when there is no way for me to satisfy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I recently was discharged from chapter XXXX bankruptcy we were in for almost six years. We filed bankruptcy because we were in over our heads and I was not working a steady job. I am now working a steady job and have just enough money to pay the bills and raise XXXX kids who are both in school .today I received a letter from navient saying they bought a loan and I owe XXXX and I have to start paying it this month I can not do that or I'm going to be in the same boat I was in before ... I was under the impression that thus was all being taken care of seeing as how our lawyer XXXX while during the bankruptcy and we couldn't afford another on to ask questions so this loan is from XX/XX/XXXX and it is now XX/XX/XXXX I quit the XXXX   because my mom XXXX and then my father I couldn't handle it I did not pursue the career or receive a degree I do not feel that this is fair I told navient I had XXXX dollars in the bank and they said would you like to make a payment today I'm going crazy I've clawed my way out and now their pulling me back in I can not pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Credit of Southern Ilinois
State: IL

Complaint narrative:
I purchase a vehicle XX/XX/XXXX also purchased the gap/repair Extended warranty : on XX/XX/XXXX ( Abs ) brakes system all wheels lock up 1st sign of of ( faulty ) engine. Check ( engine ) light comes on as well. 2nd sign faulty engine the van starts this jerkying and stalling while driving this is all going on within a years time. About XX/XX/XXXX the van does not starts or drives its just stops running. I asked if gap/repair extended warranty can be used to repair or replace the engine problem!!!! What are my rights as a consumer and customer concerning The LEMON LAW!!! They never responded back since I asked them to replace the vehicle or repair the vehicle!!! I surrendered, and gave the vechicle back. Then they said they repossessed it and reported to my creditors!!! I paid {$6100.00} they said I still owed {$7000.00} I feel I was robbed out of my money and a vehicle that doesnt work!!!! Does the LEMON LAW REALLY WORK!!!! They took advantage of me and my wife. They failed to issue me a trade value. Also failed to give me a replacement value. This was Auto Credit XXXX, Il XXXX ( XXXX or XXXX ) also mangers were involved!!!! They knew the vehicle was not working I told them their response was its not our responsibility for engine problems take it to repair shop. The extended warranty was paid since the start of contract!!!! I signed up for it in the paperwork!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Rent Recover, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
State Collection Service, debt collection company, reported {$1600.00} owed on my credit report for  Medical expenses. Date of service XX/XX/16. Original debtor/account was XXXX XXXX XXXX Hospital . 
I received correspondence from other debt collectors on the same account by mail. I paid the full balance owed, on this account, to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. In addition, the amount differed from State Collection Service. 
I called State Collection Service to let them know I paid this debt to another debt collector but they refuse to remove this from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am being refused my credit report information due to my having a dispute in progress. I am also unable to access any disputes in question so do not know what they are referring to. Currently, TransUnion is my lowest score and I want to know what is affecting it because I have already applied for a mortgage. This is the 2nd time TransUnion has blocked me unless I buy into one of their credit monitoring services.

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 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo {$750.00} claimed debt that I owe. I believe they discharged it but it is negatively affecting my credit report and I need it to buy a new home

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 2018-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services with an effective transfer date of XX/XX/XXXX. 

Today is XX/XX/XXXX. I contacted Carrington to obtain my loan number so I could make a payment and get some information regarding my escrow and advise them on my upcoming due property tax payment. 

Carrington was unable to retrieve my loan number. In their words, they could not see my loan because it hasn't been transferred over and hadn't yet been onboarded. When I asked for additional information regarding the delay, I was told that they had XXXX accounts transfer over from XXXX  XXXX XXXX. When I asked the estimated date that my account would be visible so I can make a payment, their response was simply, " It's hard to say. '' According to the " good bye letter '' from XXXX  XXXX XXXX, I should have heard from Carrington no later that 15 days prior to the transfer date. I have yet to hear from Carrington. 

I tried calling XXXX XXXX XXXX, who would not provide me with any information because they no longer own my mortgage and state they can not access my information any longer. 

Carrington Mortgage Services now owns my loan. Regardless of any logistical mishaps in the transfer process, someone should be able to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My closing date for the Capital One credit card is allegedly the XXXX of the month. However, according to XXXX the last time my account was updated was XX/XX/. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full onXX/XX/XXXX. My account should have been updated by now, XX/XX/. I spoke to a supervisor, XXXX, who stated she could not or would not correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Good afternoon. I'm writing to you today, with the hopes that you will assist me with the finalization of my permanent loan modification. My trial modification plan was completed, after I made my final payment, XX/XX/XXXX. 

Caliber Home Loans has NOT completed the final modification and I've spoken to them on XX/XX/XXXX and today, XX/XX/XXXX - each time I've called, I'Ve been told a different story - that they were waiting for escrow analysis, that they were running title and lien, Etc. 

All of this is supposed to be completed during the final month of my trial modification plan and, as of now, my wife and I are extremely concerned that it will be completed.

Company response to consumer: Closed with explanation