vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I contacted Chase bank on at least two prior occasions within the last year, advising them not to pay charges when there are not enough funds to cover them in my account. They continually explain it 's there policy if it is a recurring charge. However, I personally do business with other banks that do not pay charges when there are not funds available, no matter what. I believe Chase uses this practice to justify charging overdraft fees. My account is currently overdrawn due to a charge XXXX, I contacted chase to ask them to reverse the charge, they requested additional information that would take time to process, instead of reversing the charge immediately, like they 've done in the past. This is an extreme inconvenience, as my account is currently showing a negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. They were taken off in error and the creditor said they are STILL reporting it. It is on EQUIFAX now to add It back. Thank you! This is becoming very serious! 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts. 

They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I made a XXXX transfer of XXXX EURO from my XXXX XXXX account to Coinbase on XXXX XXXX 2018. I have since discovered that XXXX uses XXXX to process its XXXX payments. I have also subsequently discovered that Coinbase do not accept XXXX transfers from XXXX, although Coinbase failed to indicate this. I understand my transfer was therefore rejected by Coinbase, however it was returned to XXXX without the required account information for it to come back to my XXXX account. 

I have been informed by XXXX that the ONLY way I can get the money back is if Coinbase completes and sends me an XXXX form with the required information for the money to be returned to my XXXX account from XXXX. 

I have tried to contact XXXX repeatedly via email and telephone to resolve this but have not had any response as yet. It has been weeks and I am very concerned about the whereabouts of my money and quite frankly the lack of concern and assistance from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. 

Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. 

Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX I sold some Litecoin ( XXXX ) on www.coinbase.com and was told to transfer a small amount of money from my bank account to verify that the account was actually mine. 

I tranferred money ( 1 ) on the XXXX and they returned it. 

I transferred a second amount ( XXXX ) on theXX/XX/XXXX and they also returned it. 

But, They have not returned my money from the Litecoin sale. 

This company is also holding more than 1000 of mine in other cryptocurrencies and I 'm very worried that I may not be able to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
After finishing a prior lease and starting a new lease with an apartment complex I was told that my previous lease was not paid off months after signing the new lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy at which time both myself and my lawyer attempted to reaffirm my mortgage and OCWEN did not respond to the many requests we made. They then reported my mortgage as past due to the 3 credit bureaus and stopped reporting any of my payments. I filed a complaint with this agency ( CFPB Case Number XXXX ) OCWEN review my mortgage in answer to the complaint and though they did not reaffirm the mortgage, they did admit that the mortgage was current, they supplied a detailed account of the mortgage activity for the previous 33 months and confirmed that as of XX/XX/XXXX " the account is contractually next scheduled forXX/XX/XXXX. '' On XX/XX/XXXX I received a certified letter of foreclosure in the mail from OCWEN stating that they had not received my XXXX nor XXXX payment. I also subsequently received 3 more notices stating that my house was in danger of being foreclosed due to non-payment of my mortgage.

I have spoken with 2 individuals at OCWEN who are insisting that my mortgage is not current, one said that it was 2 months behind and the second one said that it was one month behind. My last conversation on XX/XX/XXXX I informed the individual that my mortgage was current and requested that they send me confirmation of that in writing within 5 business days and I have not received a reply. 

My mortgage is current. I have the reconciliation of my mortgage account OCWEN provided showing the mortgage current through XXXX, I have a print out from my bank account showing all the payments that were made electronically and I have all the monthly statements from OCWEN showing the payments being received. 

I do n't know what happened in XXXX, but it looks like someone went in and misapplied payments on my account back to XXXX and that created a problem on my account and they are unwilling to admit that they are at fault, or they have deliberately done something to my account to try to fraudulently foreclose on my house for non-payment. 

My mortgage Is not behind, it is current, the next payment is due XX/XX/XXXX and would like OCWEN to immediately stop this nefarious activity against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I pulled my credit back in 2008 and saw a new credit card account on my credit file and immendity call the bank ( Chase ) and told them it was n't mine nor i did n't apply for this card. The bank said they would stop the account and send a message to the three credit bureaus to have the account removed. Never happened!!! I have filed several police reports and filed report with the FTC and CFPB and now i have filed a law suit against the bank locate in XXXX County NC. This account was fraud and they know it. Please remove it now and if not ill proceed with the lawsuit in District County in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute twice against Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX with Transunion and they refused to investigate. 
This company is trying to claim the debt started on XXXX 2017 and it was actually 5 years ago. It is also a fraudulent amount. I submitted this through XXXX XXXX and they refuse to let me do anything on there website unless I pay them {$19.00}.

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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: PA

Complaint narrative:
I have tried multiple times to resolve this problem with Investors Bank and the problem just continues. Last complaint the Vice President of Mortgage XXXX XXXX overnighted a bunch of statement printout 's that we never received one of them. We also are not able to access any statement information from Investors Bank Website. We rely entirely on Investors website to provide accurate information on our loans and to date they have not done this. I have been reaching out to XXXX XXXX for over a year, at times she has passed the work on to someone in the department who should n't have been responsible for the problem. We have a bi-weekly mortgage and Investors has been paid 26 payments up to date, one payment was accidentally applied back in the Summer to a home equity loan. This triggered a late payment on the Bi-weekly payment, I contacted Investors multiple times and asked them to fix it. They did n't fix it and they did n't respond correctly to the problem. If they had fixed it properly when this happened, it would never have started this chain of events. To date when I log into Investors website, I see some ridiculous amount of money being owed. There is no way this information is correct because of the amount of payments Investors has received. We also seem to have a problem were Investors does n't seem to know how to verify the house is insured. They are named as a mortgagee on the policy and very easily can verify insurance with the same insurance company for the past five years. Instead we are sent threatening letters about insurance on the house and threatening letters regarding the payments on this account. Last letter I received two weeks ago said we were months past due on mortgage and they could take collection action. This information is incorrect and they should n't be sending letters like that. I really do n't know what to do about this problem because we have tried to resolve it with Investors multiple times, specifically with XXXX XXXX and also with this company. This Vice President mailing multiple years worth of statements we never received is clearly unacceptable, it just shows an attempt of Investors to continue their dishonest behavior.

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 2018-01-25 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: IL

Complaint narrative:
I had another inquiry on my credit report that I did not do. I have contacted both companies and they are aware that someone has stole my social security number. I have put a fraud alert on my credit. The two companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I would like this investigated and taken care of. Someone tried to get a XXXX dollar loan in my name from these two companies. If I need to do something more please let me know. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2018-01-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : The attached photos are proof of failure to adhere to FCRA law. Credited reporting for XX/XX/XXXX before request to dispute began signed for XX/XX/XXXX and XX/XX/XXXX 39 days after dispute process began no mark of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Hi in 2015 I opened a cd with XXXXXXXX XXXX XXXX 5yr term at 1.95 APY 2.0 the bank changed hands it is now m & t there interest rate is1.95 APY is 1.97 the manager and teller said the forumular is the same.When m & t bank toke over XXXX XXXX then said they would honnor the cd from XXXX city.HELP

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 2018-01-25 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
On X/X/18 I requested a reinstatement letter to start the process of withdrawing monies from my retirement account on a 'hardship basis ' to repay Fay Servicing the past due amount. I have had several phone conversations with my account manger who promised to send the same and that " Fay Servicing is most interested in helping me stay in my home and remedying this temporary situation ''. After 6 attempts and promises via the phone I still have not received the information.

This is especially troubling as I have learned that Fay Servicing also has a real estate division that looks to sell homes they have acquired which are worth more than their mortgage value. 

My situation is temporary. I have funds available to cure the past due amount. They know this, and are delaying and threatening foreclosure in extreme bad faith by not providing a reinstatement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US Collections West is currency reporting on my credit report fraudulently in the amount of {$2400.00} as of XXXX XXXX, 2018. Ive made several attempts notifying them that this account needs to be deleted. I obtained documentation from XXXX XXXX Courts stating that the file was destroyed and I owe {$0.00}. The documentation will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX : open date XX/XX/XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX : open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax All these accounts are fraudulent due to identity theft I have sent police reports and affidavit to Equifax, XXXX XXXX and XXXX  Equifax is the only company that has not removed fraudulent accounts from my profile.

Company response to consumer: Closed with non-monetary relief