vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
To whom it may concern : I have attempted to contact the XXXX XXXX  XXXX XXXX ( where I was a resident/homeowner of seventeen years ) concerning a collection account that was erroneously placed on ( apparently a three credit bureaus? ) This of course has negatively impacted my credit profile, and has been exacerbated by the fact that the falsely RE- report the date of origination of ( initial collection ) in such a way as to make the alleged amount owed them/collection account ... appear to be recent, when in fact this matter has been on my credit profile for nearly FIVE years. 
The City ( via their collection agent ) is alleging that I owe {$140.00} Thank you in advance for your help with this matter. 

Sincerely, ' XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: Mobiloans, LLC
State: NJ

Complaint narrative:
Illegal Payday loan who is not licensed to do banking or credit report in NJ and is violating NJ Unsury laws refused to lower the 800 % interest rate. They have then reported the loan on my credit report which the amount is inaccurate. The credit reporting agenccy says it is valid and they can not remove it.
Loan # XXXX Mobiloan

Company response to consumer: Untimely response
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
In XX/XX/XXXXI took out a loan with XXXX XXXX, a division of XXXX XXXX XXXX XXXX for the amount of {$320000.00}. I was promised a low interest rate and low monthly payment, as advertised. I defaulted on my mortgage payments because I could not keep up with the increasing interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerks 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$310000.00}, which is about {$9300.00} from the original mortgage amount from the original mortgage 3 years earlier. but I had already paid well over {$50000.00}. How is that possible? In XX/XX/XXXX, I received a notice of transfer from XXXX XXXX XXXX to Nationstar. I 've tired fixing the problem many times with both Nationstar and XXXX XXXX XXXX, in form of submitting a loan mod and each time I am getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I actively XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX  ( XXXX ) run by Coinbase, a US company based in XXXX XXXX. My account was initially funded via a linked XXXX  checking account from which wire payments and ACHs have been initiated and settled without any issues. The following incidentis the first issue I 've experienced with their platform.
On Monday, XX/XX/XXXX, I attempted to link an additional checking account with intent to initiate a wire transfer onXX/XX/XXXXafter the Labor Day holiday. To confirm ownership of linked accounts, Coinbase asks you to confirm small transaction amounts in your account. The credit union that services this additional checking account had shut down its online banking system over the holiday for scheduled maintenance and I was unable to confirm the deposit amounts immediately.
However, from this point forward, I was unable to execute any trades on their XXXX platform or transfer funds ( virtual currency or USD ) in or out of Coinbase or XXXX. I opened a support ticket and went through the suggested steps to fix the problem on my own.
An automated prompt indicated that it may be an issue with identity verification. For example, if the credit union only had my middle initial on the account 's signature card, Coinbase may be unable to verify that with the driver 's license I submitted which has my full middle name. Furthermore, the inability to immediately confirm the deposit amounts may have triggered something in their fraud or compliance process.
After re-uploading my ID verification materials and removing the newly added checking account, my Coinbase and XXXX accounts were still locked down. I currently have around {$10000.00} USD worth of assets in an account on the XXXX platform.
Coinbase/XXXX  support has been unresponsive, with the exception of automated replies ( case # XXXX ). They do not have an option for live chat or telephone support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: DISCOVER BANK
State: TX

Complaint narrative:
I filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a cash out refinance on X/X/17. I stated my home was worth {$200000.00}, but the appraisal came back at {$190000.00}. Originally, the loan amount would have been {$160000.00} and we were going to pay off four credit cards in the amounts of {$9100.00}, {$6500.00}, {$5300.00}, and {$4700.00} and receive {$2900.00} in cash back. After the low appraisal, the amount was changed to {$150000.00} and only three credit cards to be paid off. I spoke to XXXX, loan officer, after the appraisal was received. He stated not to worry because I would be getting an escrow refund for around {$3500.00}. When the redisclosure package was uploaded it showed the three credit cards being paid off and {$5800.00} in cash back. I spoke with XXXX, who said I would get {$5800.00} cash back and then a refund a couple weeks later for escrow in the amount of {$3700.00}. I asked if he was sure ... ..he restated it. When I got a call to set up closing, I asked about the numbers again. The agent on the phone said that I was not getting an escrow refund, because it was used to pay down the amount owed on the home. I called XXXX  again. He told me " not to worry '' and he " did n't know what they were talking about '' and that he was looking at it on his screen. He said he would get it fixed. When I got another call to close, I was told I was getting {$2100.00} cash back and an escrow refund. I called XXXX  again. He emphatically apologized and told me he would get his director to fix this issue. He again stated I would get {$5800.00} cash back and an escrow refund in the amount of {$3700.00}. XXXX called me on X/X/17 and said that he was wrong and apologized. I asked him to make this right and he said that he would have his manager call me. Today, I got a call from the escalation department ( XXXX ). When I explained the issue, and asked to make it right and issue a credit in the amount of {$3700.00}. He said that Quicken was not a used car lot and that a credit in that amount " would not happen ''. I asked to speak with her supervisor and am waiting on a call back. XXXX was very rude and his tone quickly changed when speaking with me. I really doubt that Quicken will go bankrupt if they issue a credit to make this right. I am not in the wrong. I explained everything every step of the way and was mis-led during this process. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). They failed to notify me of the reinsertion of XXXX in writing within 5 business days. This account was removed several months ago from my credit report after I disputed it. I noticed that transunion just added it back on my credit report and refuse to remove it. This is a very serious violation of the FCRA.

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 2017-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Citizens Bank / XXXX XXXX XXXX XXXX has me listed on my credit as of XXXX 2017 as being 120 past due I have not been 30 days late in 4 years. I sent to Citizens CET department a list of all payments including the confirmation numbers that the payments cleared. Citizens also added a fee of {$640.00} for an appraisal fee and told me it is because I was more than 90 days late ( which is not true ). I am trying to refinance my home and can not because of their false reporting of this. I faxed and emailed them on X/X/2017 although they have contacted me and acknowledged they are looking in to this but will not straighten this out.
Also they charged me a late fee of {$10.00} because they say its more than 10 days past due but there is a 15 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a Bank of America in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and XXXX  released the funds anyways. On XX/XX/XXXX, my bank, XXXX, sent a letter to Bank of America about this transaction. I was told that BOA has 90-120 days to respond. Tomorrow would be 90 days so I called XXXX to get an update. They told me that they contacted BOA yesterday and BOA told them that they " lost '' the claim, so they faxed them it again. I contacted BOA today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against BOA and XXXX. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that BOA reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that BOA will issue the refund towards my XXXX bank account. I called XXXX and they have not heard from BOA sinceXX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to BOA today. I then called BOA and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 BOA customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by BOA and XXXX on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from XXXX reaching out to BOA on XX/XX/XXXX. 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 monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: NJ

Complaint narrative:
Calls everyday and calls my place of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of Binary options Fraud in which my credit cards were used to fund a binary options broker so that the broker could use the funds to trade binary options. Two brokers were used : XXXX XXXX and XXXX XXXX XXXX both companies claimed they operated out of the XXXX. The following link is from the FBI explaining how these companies defraud people : https : //www.fbi.govXXXX The following link from the CFTC have put these companies on a red list flagging them for fraud. XXXX XXXX XXXX will be put on the list after the procedure is completed. 
http : //www.cftc.govXXXX The following are dates and dollar amounts : XXXX Credit Card XXXX XXXX Bank of America XXXX/XXXX/XXXX XXXX 4 transactions of XXXX to " XXXX XXXX XXXX '' totaling XXXX - After I reported the fraud to them they credited the money bank to the card. 
XXXX credit cards ending in XXXX and XXXX by Bank of America  XXXX/XXXX/XXXX card ending in XXXX for 1 transaction of {$2500.00} and card ending in XXXX for 1 transaction of {$2500.00} - After I reported the fraud they returned the money back to the cards. 
XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction of {$5000.00} to " Bank of Options '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$3000.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$250.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$500.00} to " XXXX XXXX XXXX '' Money returned after fraud reported. 

The following are dates and dollar amounts for the same transactions to the same fraudulent brokers but money not returned. 

XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction for {$10000.00} to " XXXX XXXX XXXX '' Money not returned after fraud reported. No difference, same type of transaction to same fraudulent broker. 
XX/XX/XXXX - 1 transaction for {$5000.00} to " XXXX XXXX '' Money not returned after fraud reported. Same type of transaction to same fraudulent broker.

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 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
Bayview improperly foreclosed on my house after it ( 1 ) told me to ignore the foreclosure papers and ( 2 ) failed to send me a permanent modification after I successfully completed a trial plan in XX/XX/XXXX. Without my knowledge, it foreclosed on my house on XX/XX/XXXX and is now auctioning it off on XX/XX/XXXX.
I fell behind on my mortgage because I lost my job, but I have since regained employment and am able to afford my mortgage. I received foreclosure papers inXX/XX/XXXX.
I called Bayview shortly after getting the foreclosure papers and asked what I could do to save my house. The Bayview representative told me not to worry about the foreclosure and that it would stop the foreclosure and help me out. Thereafter, I got paperwork from Bayview approving me for a trial modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXfor {$1500.00}. My understanding from Bayview was that it would not foreclose on my house so long as I completed the trial plan and that I would receive a permanent modification if I successfully the trial payments. Based on Bayview 's representations to me, I did not file paperwork with the court because I believed it would not go forward with the foreclosure and that I would receive a permanent modification.
I successfully completed my trial plan by making 3 payments of {$1500.00}, reflected as withdrawals on my checking account statement forXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I did n't get a modification in the mail or hear anything from Bayview. My single point of contact left, and the other Bayview representatives were unable to give me any concrete information. I kept making payments at the trial amount, which Bayview accepted. Then, in late XX/XX/XXXX, Bayview started rejecting my payments. I still did n't receive a permanent modification, and I did n't know what was going on. I did n't think I was at risk of foreclosure though since I had successfully completed the trial plan.
Unbeknownst to me, Bayview went forward with the foreclosure of my house and obtained a judgment of strict foreclosure with the court, setting a law day of XX/XX/XXXX. I never got anything telling me about my foreclosure date. I only found out about the foreclosure in late XX/XX/XXXX when a realtor came to my house and told me it had been foreclosed on.
Bayview should not have proceeded with the foreclosure because I successfully completed a trial plan and was entitled to a permanent modification, which I would have accepted. Bayview should not have advised me to ignore the foreclosure action or told me it would n't foreclose on my house, which apparently was n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Here is some information about what is going on. Enhanced Recovery Corp has placed items on my credit report that I have no knowledge about. 

The collection opened XX/XX/XXXX for {$2000.00} From ERC, with the original creditor is coming up as XXXX XXXX XXXX. I have no recollection of this account. I only recently started using my credit in XX/XX/XXXX. I 've never had a cell phone, cable, satellite TV, house phone, or my own house for that matter. I do n't know how any of this is coming up. 

I 've tried disputing through XXXX XXXX dispute feature twice, and they keep sending it back saying the information is accurate. Also through XXXX online dispute, the same thing. Now I did check the address that they had on file and it is my childhood home, but I have n't lived there since XX/XX/XXXX. 

The name they had on file originally only matches up with my last name, the first name on their file was never a way my name was spelled, pronounced, or did I ever go by that name. Further more, the name was a masculine version of mine, and also the fake name was also spelled incorrectly. As far as I can tell, they have since then changed it? That name is not coming up in any file I can access online. 

This Collection / Derragotory mark has been affecting my life severely, I refuse to pay this collection because it is n't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On, Thursday, XXXX XXXX, 2017, at XXXX XXXX I contacted J P Morgan Chase, regarding an excessive amounts of NSF fees resulting from items that electronically attempted to debit the account. I have a total of total of 15, but I was only disputing 12 and one Extended NFS fee. Chase charges {$34.00} per NSF fee for which they are charging me a total of {$400.00} and an additional {$15.00} for an NSF extended period. I attempted to inform JP Morgan Chase that I had emergency XXXX back in XXXX of 2017. I was unable to communicate with them or any other institution in regards to payments as I was hospitalized. I called JP Morgan Chase and explained my situation, but Customer Service was only willing to reverse three. I mention that would I take responsibility for three of fifteen they as those where authorized, however the others where unauthorized. They told me that as a courtesy they could only reverse three.
I am asking JP Morgan Chase to understand that I was hospitalized and certain events happen without intent ; their {$420.00} in fees can greatly help me pay my mortgage this month. XX/XX/XXXXwas a bad month which was unforeseen and as a result I 'm loosing money I can truly use to get back on my feet.

Company response to consumer: Closed with monetary relief