vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I use Bank America payment process to pay off deft every month and the month of XXXX they did not process my payment which result in a late fee and penalty and interest charge which I had to stop using their online site to iniate payment from another source. Refund my late fee and interest charge for they look at the past two years and see that I always make payment and it their system that fail.

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 2018-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
My home flooded during Hurricane Harvey. I have flood insurance even though it was n't required. Suntrust is my mortgage company and it has been nothing but misdirection and half truths to deal with them. My home is 97 % repaired, they require 90 % or greater to realease additional insurance funds. I spoke on the phone today to a manager and he informed that the remaining countertops were structural and until the contractors paid invoice is submitted and the home is inspected again, no money will be released. Everytime I speak to Suntrust reprensentatives they tell a different story. They have made the process of getting my insurance money worse than the Hurricane was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX {$240.00} This account is unknown to me. I have disputed this account to Trans Union on as many as ( 5 ) times since seeing it on my credit report. I have reported this unknown account to the FTC and was provided with an Affidavit case number XXXX on XXXX XXXX 2015. 

Pursuant to the FCRA and the FDCPA I now exercise my right to question the validity of this debt you claim is verified but yet I have received the FULL validation documents as dictated in the creditors debt collection declaration and is due under the Fair Debt Collection Practices Act section 809 Validation of Debts. It is not just that the Trans Union can state that they have verified a debt that I know is not mine and therefore can not be validated as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). I request that Trans Union please forward their FULL Validation package to me by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: ProCollect, Inc.
State: OK

Complaint narrative:
XXXX XXXX I moved into XXXX XXXX in XXXX XXXX , Oklahoma , in XXXX I have bed bugs from apartment complex, I call manager &  tell her, next day she has a note on my door telling me on which day an exterminator is going to be out & I owe {$360.00} for exterminators. I look on my lease & lease states " Tenant may or may not be charged for exterminator, I take lease to her & ask what factors in the do or do not pay? she asks owner, owner tells her " if Tenant gets a letter from last landlord stating Tenant nor last Landlords home had them then Tenant does n't pay ' I did get a letter from last Landlord stating we did n't have them so that settled that issue. also I was pro active & called numerous Exterminators & everyone told me it does n't do any good to spray 1 apart. they will go to attached apartments & end up coming back to mine & have to start the process of exterminating all over. I told apartment manager their not spraying unless they can assure me the other 3apartments are getting sprayed, she would not do that. In XXXX I get an eviction notice on my door & it stated I owe their Attorney fees. I retain an Attorney we go to court XXXX XXXX & Plaintiff Dismisses-Settled case, I move out. I apply at an apartment complex in XXXX & find out XXXX XXXX turned me over to a collection agency for a Bogus issue I left that Apartment complex paid up as you can see in the documents I 'm sending, my rent I paid in XXXX & the agreement in the courthouse on the XXXX was for me to be out of premises within 7 days & I was out. I owe nothing & this adverse account from XXXX XXXX is BOGUS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I received an escrow analysis in the mail from my mortgage company, Freedom Mortgage, dated XX/XX/XXXX. It informed me that there is an escrow shortage of {$18000.00} on the account. This is the only notification I received. This shortage is fromXX/XX/XXXX and XXXX. I bought my house in XX/XX/XXXX I was told by a representative from Freedom mortgage that the shortage is from property taxes that were underestimated but that they have already paid them and need me to reimburse them. My regular mortgage payments were {$1900.00} monthly and starting XX/XX/XXXXI will have to pay {$4100.00}. I ca n't afford to pay that amount and I feel that it is unfair to make me pay the {$18000.00} when I was not notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an offer in the male From Chase United MileagePlus card for promotional balance transfer checks. The promotion included a zero interest through my X/2018 bill cycle. The fee was 2 % of the outstanding balance. I used checks for a total of {$25000.00} and paid the one-time fee of {$500.00}. I was not expecting to make any payments until my X/2018 statement cycle. Unfortunately, I learned this was not the case and I have to make a certain minimum monthly payment. The offer correspondence I received did not disclose this requirement ; it made no mention of any monthly minimum payment. I contacted Chase about this issue but received no help. They insisted the balance transfer offers are no different than a purchase and required a minimum monthly transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the problem is with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, PH XXXX, INaccurate information on my credit report with this specific company, the loan was paid off on my credit report indicates {$7400.00} was a charge off NOT TRUE AND INACCURATE ... there is a XXXX balance on this account as of XXXX..the last date of the 1st missed payment was in XXXX. The original loan was paid off XX/XX/XXXX ... the loan is more than 7 years and 180 days per CALIFORNIA RIGHTS MUST BE REMOVED ... spoke with XXXX representive at XXXX XXXX XXXX and the company is refusing to removed the negative informantion and refusing to show the loan paid off. I also filed a complaint with EXPERIAN credit agency they are also refusing to delete this old and inaccurate information. XXXX DELETED 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 non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
Phoenix Financial has repeatedly called and harassed me via phone. They call from a XXXX number no less than 4 times a day, without leaving a voicemail. I first received a " bill '' from this company on XXXX XXXX, 2017 on behalf of XXXX for a debt that XXXX themselves cleared with the original debt with both myself and the initial debtor, XXXX XXXX XXXX. Ii contacted the company with this information as well as supplied sufficient information, yet the calls have continued as well as placing a fraudulent claim on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: DLC, LLC
State: CA

Complaint narrative:
This will be going to XXXX XXXX XXXX  as well as XXXX. I have also sent a copy to CA Attorney General. XXXX XXXX XXXX. Yes you changed the terms per in writing Giving 6 months to pay off interest free As on a XXXX loan I have paid you XXXX and still seem to owe XXXX. And as I have stated multiple times. The agreement was to make a payment once a month. You received a payment in XXXX and XXXX and reporting late on Credit Report. Now when you changed the terms of it for to be 6 months interest frXXXX XXXX payment. It did not specify a dollar amount. Now I had payments of XXXX that wXXXX XXXX XXXXyment. I never receive a bill and can not pay online. I still do not have receipt of XXXX payment I had to make over the phone. You changed the terms, which is fine but you can not change terms, not be specific and expect me to be a mind reader. If I pay XXXX in one month and XXXX in the next it does not matter as I am paying it. And you can not report late when you change the terms, then do not specify amount or send statement or bill with what you were expecting. one payment for me was XXXX then you say you meant something else. Now while I appreciate I have til XXXX to pay this off interest free. You can not report late pay when I pay as you I understood what you were writing and then you say you meant a different amount. I will not be penalized and I would have paid a different amount as too not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
Payment application practices are predatory. I graduated in XXXX, and entered graduated repayment. The original servicer was XXXX XXXX. I always rounded up my payment, and had the additional applied toward principle - this was automatically available, and a permanent choice I had made. On my ~ {$250.00} payment, I would over pay $ XXXX {$20.00}, providing funds for students through my repayment. My loans were sold to/split off with Navient, and I am wholly unhappy with their predatory schemes. I am unable to make a permanent choice that all overpayments are applied to principle ; instead any overpayment is immediately applied to future payment. This was resulting in what initially was only $ XXXX $ XXXX/mo of  additional interest, but over the life of a loan this could easily be in the $ 1000s. This guarantees difficulty in getting control over my loans, takes advantage of ALL customers. Additionally, Navient makes it difficult to apply any amount extra towards the principle, access any additional account information, and misleadingly advertises 'income based repayments '. I had entered into income based repayment for 3 years, and was luck to return to an extended repayment plan - I exited when my standard repayment was LESS than the income based and interest would no longer be capitalized. Additionally, while in income based repayment, one can not pay additional on principle OR capitalized interest. This is extremely detrimental to the consumer - if a consumer, on limited income, has the ability to pay down capitalized interest and start to get payments under control this would be beneficial. Instead, consumers in repayment are tethered to their repayment amount - over payment is applied to future payments ( again ), and any overpayment can/will kick you out of the payment plan, and demand capitalized interest all due within 3 months. NO STUDENT LOAN CUSTOMER CAN AFFORD THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a wire to Coinbase for US {$3000.00} on XXXX XXXX. Due to a name mismatch with the account I used to wire and my receiving account at Coinbase, Coinbase claims to be unable to credit my account. I have called Coinbase dozens of times and opened numerous cases with their support staff but am generally unable to get though due to " high call volume ''. When I can get through, the staff opens a case and claims they will have a " specialist '' look at it. It has been more than two months and I have not heard anything from anyone.

Based on the lack of an real customer support at Coinbase, I contacted my bank and had them reach out to Coinbase 's bank directly, XXXX XXXX XXXX. XXXX XXXX XXXX has request that XXXX XXXX XXXX reverse this wire 5-6 times but they have yet to even respond to this request. It has been more than two months and neither XXXX XXXX XXXX, nor Coinbase have come back to me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I requested debt validation with this company in my letter to them Dated XXXX XXXX, 2017. I have not received anything from them ever since. I am a victim of ID theft and this account was fraudulently opened by my ex-wife by forging my signature and using my personal information. I did not benefit in any way from this account. I already filed a police report and had a notarized FTC affidavit sent to this company today. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: CO

Complaint narrative:
On XX/XX/XXXX, three credit cards were stolen from me while I was at the gym. Upon realizing I was missing the cards, I immediately reported them stolen and cancelled the cards. I also filed a police report with the XXXX CO Police Dept. My  Chase United Explorer Card was used for a {$3600.00} charge at the XXXX XXXX in XXXX, CO. 
In XXXX I received a call from Chase Fraud Dept. telling me that since my personal information was on the sales draft they received from XXXX, that " I authorized the charge and would be expected to pay the {$3600.00} ''. I have been calling weekly and keep being told that it will be sent to rebilling but never hear anything. On XX/XX/XXXX I received a letter dated XXXX XXXX stating that I would be responsible for paying the {$3600.00} and the charge reappeared on my account on XXXX XXXX. 
I did call the XXXX XXXX and was told that if a card is attached to a XXXX account or has been used in the store before, it will autofill sales drafts? 
I have had this account for 18 years and have never been late in paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have contact XXXX on XXXX XXXX, XXXX due to I have seen a recent charge on my credit report in the amount of {$980.00}. They also have two other accounts closed on my credit reporting the same amount of {$980.00}. I have called and ask to validate the debt. 
I have also fax them the letter to validate the debt and that im disputing the debt also. I also told them its on my credit report and the representative said yes and its not getting deleted as to to reference that, Yes she know and it staying their. 

I received a reply from XXXX on XXXX XXXX, XXXX they letter arrived to my place after that date. the letter they provided is not validating the debt, they only replied with papers showing the amount only. 

I was confused so I call XXXX .I ask Is there anyway they can remove the negative reports from my account because I received a letter Not proving that its my debt, the letter XXXX XXXX only showed 3 account with the same amount that 's not validating the debts and can you please remove the accounts from credit file it is damaging my report. She also said it is not getting removed from my credit report. 

I sent another letter on XXXX XXXX, XXXX stating that This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX has reported on my credit report that I have a 1 Month term to Pay the debt of {$980.00}. I was not informed Of the term nor was a payment plan discuss because i have not yet received information i have requested. How do i Know if the debt is mines when they are not sending in the requested info. 

XXXX keep FLAGGING MY CREDIT REPORT DAMAGING MY REPORT WITH INFORMATION THE HAVE NO PROOF OF NOR NOT PROVING THIS IS MY DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America offered {$100.00} as bonus to new customers who spends {$900.00} within 3 months after opening the credit card account. 
I opened my account on XX/XX/XXXX2016. I did not receive the promised bonus after spending over {$900.00} with in 3 months after opening the credit card account. 
I 've been to the BoA branch where I opened my credit card account numerous times regarding this issue, and BoA representative denied the existence of such offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I deposited money on XX/XX/XXXX The money was withdrawn from my bank account by Coinbase on XX/XX/XXXX. My money is still not available to me on Coinbase as oXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: NY

Complaint narrative:
I contacted equifax dispute center on XX/XX/2017 and XX/XX/2017 in regards to XXXX inquiries they are reporting on my credit report. I advised the representative that the inquiries were not authorized by me and I had supporting documentation from the companies stating they made a request for the inquiries to be removed. I have sent correspondence via fax and mail and have called numerous times and the inquiries are all still reporting. The inquiries reported without my authorization are XXXX, XXXX XXXX XXXX and XXXX XXXX. Equifax has yet to acknowledge requests from both myself and the companies to remove these inquiries even though I have disputed these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I already filed a complaint with cfpb. I recently refinanced my home mortgage with loan depot.com llc. After I signed the closing disclosure the monthly payment and closing fees increased. Loan depot explained to cfpb the reason for the increase was due to their miscalculation of the school taxes and homeowners insurance. CFPB closed my complaint. My loan depot loan officer said I should be receiving a refund from my insurance, XXXX because loan depot and my former bank both made payments. 
I contacted XXXX, and they never received a payment from Loan depot. 
Loan Depot increased my mortgage payment, closing fees, gave me less cash than promised after closing because of the homeowner 's insurance escrow increase and school properties ... THEY NEVER PAY MY OWNER 'S INSURANCE. I lowered the escrow amount in my homeowner 's insurance, and sent a copy of my most recent declaration page of the insurance to loan depot. I asked them to adjust the mortgage monthly payment because of the new change in the insurance policy. No one has responded to my concerns nor have made any efforts to solve the problem. I 've attached a copy of my new homeowner 's insurance with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief