vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.

I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.

If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: NY

Complaint narrative:
I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. XXXX and equifax are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
As of XX/XX/2017 i c sytems inc sent information stating to all credit bureaus saying a amount of {$370.00} was owed by me. since then there is negative remarks on my credit report thats has brought my credit score down by 49 points ... i dont have any knowledge of i c sytems or have i ever been associated to i c styems or the original creditor and i do not owe a amount of any.

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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX  close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX  when I originally applied for the loan back in XX/XX/XXXX. 

What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. 

Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. 

The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. 

So I look forward to hearing back from you on your opinion on this matter. 

Thanks, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. 

XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. 

I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.

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 2018-02-27 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 belongs to someone else
Company: Accurate Background
State: CA

Complaint narrative:
Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my employer XXXX XXXX XXXX authorized a payroll deposit to my checking account with Bank of America to provide sufficient funds for automated ACH deductions that occur monthly. Unfortunately the Federal Bank Holiday that occurred on XX/XX/XXXX delayed the deposit until XX/XX/XXXX. Bank of America allowed three automated ACH transactions to occur on XX/XX/XXXX causing three overdraft charges of {$35.00} each totaling up to {$100.00} in bank fees to be deducted from my employer 's bank deposit. This caused a severe financial hardship and I inquired with the bank through their automated XXXX customer messaging system about seeking waiving of these fees as I did not have control that the ACH deposits would still occur prior to the employer deposit on a bank holiday. I was not provided relief of these charges and am seeking the assistance from the CFPB to convince the bank of waiving these overdraft fees in good nature of the issues caused by this bank holiday and allowing of charges to occur prior to my employer 's bank deposit. 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 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I got a call from XXXX with a case number. The lady threaten to serve me and burn my house down. She threaten to abuse me at my employer. She told me information about someone that is other than myself she was trying to collect for. She did not verify any information. She started to scream and threaten profanities, threaten my life, my home, said there are items in the court record they are trying to serve me papers on. There is nothing. I dont have a credit card with XXXX XXXX. Nor have I ever. The debt if at all in question was deemed fraudulent.

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 2018-02-27 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: Early Warning Services, LLC
State: WA

Complaint narrative:
The Early Warning company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified XXXX XXXX XXXX about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: CA

Complaint narrative:
While enrolled at XXXX XXXX University, my student loan was incorrectly accelerated so that my payments became due. As a result, my credit report shows that I have 6 missed payments despite being current on all other payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
The XXXX XXXX company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified Bank of America about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with CBE Group on debt collection and written notification about debt since I did not receive by mail. I got the response on XX/XX/XXXX from the company from XXXX XXXX a compliance officer. She states the client will forward debt validation. From what I hope by mail, not email. because she states CBE Group sent notice of collection account on XX/XX/XXXX meaning final notice before being sent to credit bureaus. CBE Group sent to an email address which is that she supposedly confirms by " matching ''. I do not see any attachments from my complaint # XXXX in which I provided documents ... why isn't this shown for me to inspect. XX/XX/XXXX and XX/XX/XXXX the accounts was opened in the credit bureaus. Then they send to my email address on XX/XX/XXXX for notice. Which is wrong and falsification. I do ask since you sent this " notice '' how come you couldn't send a BILL THROUGH EMAIL. Explain that. So now the client is forwarding my debt validation soon from which source email or mail it is not clear. So now I am filing a complaint on false statements. Again I do not believe anything was sent to my email, if it was this company they are not in my contacts, first I wouldn't know who they were to begin with, with no bill or account number, etc. It was probably sent to junk, If it got into my inbox I still would not know who these people were unless I got a bill. So since this is in credit bureaus I apparently have no resolve, in which I offered, but you want me to discuss the matter, to what record me. You all ready have made false statements. Please note XX/XX/XXXX. XXXX email was sent : by client on XXXX XXXX. Not in XX/XX/XXXX. The documents I enclosed are when this account went into credit bureaus XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX a notice of collections was supposedly sent to email, a notice means before being sent to credit bureaus. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/2018 My bank account went from {$190.00} to $ XXXX on account of {$610.00} of coinbase fees and {$100.00} bank insufficient funds fees. I called coinbase customer support to freeze my account and start a customer support ticket. The operator then told me my account was frozen and a specialist would look into the issue. After concluding the call i then get more notifications of account activity for the transfer of currencies from my account to some other. I then recall coinbase and explain my situation to another agent and they tell me my account had not been frozen but they will freeze it now. At this point i no longer have access to my own account. The phone number had been changed without my doing or consent. I got a notification that they where changing the email of my account and i had told the operators not to change it as it was not my email nor was it created by me. Yet it was changed and i can not access my account or its funds if they are still in my account. My bank has reimbursed me for the fees but i still had bitcoin in my account to the tune of XXXXXXXXBTC  when my account was hacked/hijacked. I fear my Bitcoin was traded away to another account and even if i resume access to my account it will be gone. I have since closed the bank account associated with my bitcoin for fear of more charged of which my bank would not cover. Ticket # XXXX I have received no response from coinbase about my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION

Complaint narrative:
Last XX/XX/2018 i transferred money To the XXXX using Xoom money transfer. It cost XXXX $ and and i will recieve XXXX php but they said to submit IDs and bank statement which i did but they still ask me to call them for verification which i also did but no one is answering. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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 have been the victim of identity theft. After signing up for credit monitoring services, I noticed a total of 14 unauthorized inquiries. I submitted an dispute to Transunion XX/XX/XXXX notifying the of the fraudulent inquires but after their investigation, all of the unauthorized inquiries remained. I filed a XXXX police report # XXXX. The inquiries are listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with USBank on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX   services, XXXX, banks transfers. 
I called in advance to USBANK and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with XXXX on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX services, XXXX, banks transfers. 
I called in advance to XXXX and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!

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 2018-02-27 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had XXXX Chase XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with Chase XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/XXXX ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time. 
XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Previous CFPB Dispute # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation