vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Disputed with Experian last week regarding an account reporting the wrong date the account was opened. I have two accounts on my credit report with Experian which is the original creditor XXXX XXXX, account number XXXX and the debt buyer of the account XXXX XXXX, account number XXXX. XXXX XXXX is reporting the date this account was opened as XX/XX/XXXX. The original creditor XXXX XXXX is reporting the date opened as XX/XX/XXXX. Experian blatantly ignored my request for investigation into this matter. Its very obvious as both dates are on my report and XXXX XXXX shows the account was purchased by XXXX 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 2018-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MB FINANCIAL, INC.
State: OH

Complaint narrative:
My husband and I closed on our home in XX/XX/2017 with MB Financial via XXXX XXXX. My original mortgage payment, including taxes and insurance was approx {$750.00} ( {$510.00} for principle and interest and {$240.00} for escrow ). I've just received an ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT ( attached ) that changes my payment to {$940.00} reflecting the original principle amount of {$510.00}, a slight increase in taxes and insurance amounting to {$260.00} and {$160.00} of escrow shortage. I'm told that that {$160.00} * 12 months reflects a shortage of {$1900.00} in my escrow account as escrow is paid in arrears. What I was not informed of is that there is a minimum dollar amount to be kept in escrow. It's my understanding that the bank not collecting enough monies at closing is the problem, a problem that I certainly shouldn't be responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XX/XX/2018 -I called XXXX XXXX that was listed on my credit report to resolve my debt and have it removed from my credit. I obtained the account number and the total amount owed along with where to send the payment. 
A few months later I saw the debt still on my credit report but it was taken from my bank account electronically and delivered to Resurgent Capital which is whom I was told to make the payment to. I called back to XXXX XXXX  that was told that I needed to call my bank that it was my banks issue. My bank told me the funds were delivered and that there was no issue on my end. I continue to receive calls to collect this debt. I faxed proof from the bank account that this debt was paid from my account back in XX/XX/XXXX. A company called XXXX has now began calling me to collect on this debt that I already paid. They stated that Resurgent Capital still holds the debt and that they are making the calls on their behalf. I explained my situation and they were to look into the matter. I recently have gotten in the mail a package of old statements from the original creditor that says this is proof that this is your debt. I never disputed that it WAS my debt. My issue is that on XX/XX/2018 the payment to pay this debt was delivered in full. I called resurgent capital on XX/XX/18 and was told that the proof that I sent from my bank showing payment was illegible. No one ever called me back in XXXX when I sent this to tell me or try to resolve the matter. No one has tried helping me at all. I just continue to receive harassing and threatening phone calls that this will be sent to lawyers no matter how much I tell them it was paid and try and help them see the payment. I called back a second time to Resurgent Capital and spoke with a lady who stated her name was XXXX. I tried explaining the issue and she became VERY rude and told me to stop talking. She would not allow me to finish anything that I had to say. I am reaching out for help to this company and keep getting passed around, meanwhile this debt still sits negatively on my credit even though I paid this months ago with my own initiative. I don't know who else to reach out to or what else to do. I just need this matter resolved and I can't resolve something when every time I call I am being told this is an attempt to collect a debt and people are so rude and don't want to hear that I paid this but just tell me that I need to make a payment. I am at a loss on how to proceed with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE VISA ACCOUNT THAT I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES.. I CONTACTED CHASE VISA AND REPORTED THESE CHARGES AS FRAUD WHEN I RECIEVED MY STATEMENTS AND REVIEWED THEM AND THEY NEVER DID ANYTHING FOR ME. IT IS NOW XX/XX/XXXX AND STILL NOTHING. I WILL LIST THE CHARGES THAT WERE ON MY ACCOUNT ; XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX  ALL THESE CHARGES ARE FRAUD AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES, I HAVE NO IDEA WHO THEY ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. THIS IS SENIOR ABUSE AND THEY STOLE FROM ME. THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY CONSENT, AND WITHOUT ME GIVING THEM MY CREDIT CARD INFORMATION, SO HOW THEY GOT THAT INFORMATION I HAVE NO IDEA. I LIVE ON A FIXED INCOME AND CANT AFFORD TO HAVE MONEY TAKEN FROM ME. PLEASE HELP ME GET MY MONEY BACK. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I transferred XXXX from my revolut account to my coinbase account via a XXXX transfer on XX/XX/18 at XXXX GMT. The transfer has not been credited to my coinbase account. I have carried out a separate transfer since which has been credited. I contacted coinbase via email who asked for details of the transaction, they initially replied within a few short hours. I have sent 4 emails over the past 48 hours asking for an update without a reply. Revolut confirm the transfer took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rogers, Morris & Ziegler, LLP
State: FL

Complaint narrative:
A company by the name of XXXX submitted a lawsuit in XXXX XXXX Florida courts in the amount of {$19000.00} on XX/XX/2009 it was to late to file this lawsuit and I was not properly notified of the lawsuit and did not know it existed ... Years and years went past and I was not notified. I found out about this lawsuit after I purchased a vehicle, The Same company submitted for my license to be suspended in XX/XX/XXXX and I reached out to them to see what was going on and they never requested to meet with me, they demanded money. In XX/XX/XXXX I had to return my vehicle back to the finance company as a result of my license being suspended and tickets being issued for no license ... I began to research and came up with a company name XXXX  who is located out of state and posing as different congressman and congresswomen ... As a result.. XXXX closed down and transfered my information to someone name XXXX XXXX at Rodgers Morris and Zeigler located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ... XXXX.. They left me with a suspended license and 3 tickets and filing for bankruptcy. Please look into this..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ref complaint ID XXXX XXXX Regarding 5th-3rd bank with my account, my follow up comments are enclosed. 

I read the bank 's closing comments which are false. How convenient for them to use " technology '' as their means to justify their motives to take " customer 's money ''. 

1 ) Ms XXXX 's comments that my checking account was set up for Internet banking vs paper mailing is false. I DID NOT SET THIS UP. I did not authorize this. I would never set up a paperless account. When I was already receiving statements for my savings. 
it does not make any sense to have a paperless statement for checking. All accounts should be consistent mailings. 
Also, In addition, I was not able to access the Internet account. Continuous attempts showed invalid name, invalid password. I was not able to access on-line. 

2 ) My first communication with 5th-3rd was that there was no activity, when in fact, the bank was using their process to " take fees '' out of the account. Even though, I did not initiate this activity, the bank continued to do so. These fees, initiated by 5th-3rd are activity. THIS WAS ACTIVITY. 

I WAS NOT INFORMED OF " AUTOMATIC CHANGES TO MY ACCOUNT. As the bank continued to " bleed my checking account dry '' with their fees, this is another example of " poor '' communication with their customer service. Ms XXXX 's letter does not provide accurate facts on this complaints, only to justify the bank 's purpose. 

I am not contesting the bank 's requirement for their balance on the account. 
Even though, they are excessive.. However, I should have been informed, IMMEDIATELY, on paper by mailing, that {$25.00} fees per month, were being withdrawn. 

I have contacted her office, only to be able to leave a message. She has not returned my phone calls. Therefore, I am requesting another review on this complaint. A refund of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report. 
Original loan was indeed in my name but in XX/XX/XXXX Came a divorce. 
In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor ( Mortgage Lender ) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.

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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday lenders and these high interest rate, last ditch effort loan companies. 

I borrowed {$400.00} on XX/XX/2018 at an APR of 347.5685 % and will end up paying a total of {$820.00} with my last payment on XX/XX/2018. 

I called the lender on XX/XX/2018, the date of my first payment, to inform them that I would not be able to make my first payment. I asked if they would be willing to settle on a lower payment plan or stop accruing interest. They said that there is nothing they can do and I am set on the terms of my agreement and will just have to fall behind on the loan. 

I understand that I agreed to the amount owed, but I can not afford to pay back over twice what I borrowed. I am hoping to be able to settle this debt for something around 18-20 % APR but have been unsuccessful in reconciling with Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CA

Complaint narrative:
A towing company, XXXX XXXX illegally towed my vehicle and then extorted funds through a credit card. The transaction was under force and fear, and the transaction receipt represents signed under duress ( force and fear ) as the merchant threatened physical violence. The police were noticed a, report filed and investigation began. Civil action was also initiated against the company. The charge was submitted against my Bank of America bank account for XXXX. I filed a complaint with the bank and with the CFPB. I was contacted by Bank of America who indicated upon review of the information they would be crediting my account. This occured XX/XX/XXXX. The Merchant refiled the same charge on XX/XX/2018 which was processed by Bank of America. When I called their offices they indicated the file had no documentation of the prior CFPB and OCC complaints on this matter, and therefore they were processing this charge as valid. My card number is XXXX. My DDA account is XXXX. 

All information has been provided which resulted in BofA initially denying the charge and now that such has not been maintained in the file it allows the merchant to resubmit the charge months later and for me to be forced to go through this again.

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 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has outright lied to both their borrowers and ourselves. We recently submitted a short sale package for consideration to Chase and were called by XXXX at extension XXXX that the short sale had been declined as the investor required that the sellers live in the property to complete a short sale. One problem. This loan was originated as non-owner occupied and Chase has known this all along. XXXX had little to no information to give us ( honestly it would have been far better to have just sent the decline letter as he was totally worthless on the phone ), could not answer any questions ( or was told to lie ), became evasive when questions were asked and couldnt even tell us if the Chase was delegated on the file ( I honestly dont think he knows what the term means ), and if not, had it actually been submitted to the investor. Honestly, we have come to know Chase as a lender that spends little to no money on it loss mitigation department and are generally lied to on all of the files we submit to your company. The final comment that has driven this federal complaint was when asked, XXXX stated that they didnt have to offer foreclosure avoidance options. Here is what we would like to have happen : 1 ) Is Chase delegated on this file 2 ) Whom is the investor that owns the note 3 ) If note delegated, was this file submitted to the investor 4 )  Why were we told that Chase does not comply with California law and offer foreclosure avoidance options? 

This is yet another example of Chase breaking federal and state laws without any regard whatsoever to their investor, their clients, and their own employees. 

I look forward to your response, but have come to realize that the responses you send back rarely answer the questions at hand and often are fabrications of the truth. 

CC : XXXX XXXX, Attorney General of California

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I disputed and requested a written accounting of my mortgage payment from Ocwen Loan Servicing LLC. I did not receive said request however Ocwen did cause a Notice of Default to be filed against my home. I subsequently had to file Bankruptcy Chapter XXXX, which stayed the foreclosure proceedings, and Ocwen received 5 plus years of mortgage payment. On or about XX/XX/XXXX, Ocwen filed another Notice of Default against my home - claiming at least 10 different alleged amounts of money owed them when I contacted Ocwen to again request written accounting I was told " You're a loser ... you'll get kick out of your house ''. During the last 8 years Ocwen has threatened, harrassed, and has used unlawful tactics ( wrongful foreclosure ) against me to collect wrong amount of monies owed. I currently have a Trustee Sale date  scheduled of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
In my XXXX and XXXX  credit report, both had reports from First Federal Credit Control for {$85.00} owed. First Federal Credit Control also listed on the credit reports the same amount of {$85.00} with two different account numbers XXXX and XXXX. Double dipping on credit reporting. First Federal Credit Control never sent me notification of the debt for me to be able to review and dispute if necessary. I was just lucky to be viewing my credit reports for different reasons and happened to see the First Federal Credit Control reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a consumer on multiple instances, I have written several letters to Experian XXXX, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX, and XXXX are in violation of the FCRA. 


I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to Experian, XXXX, and XXXX. in addition to a letter from XXXX confirming my file with them is and was locked when Experian, XXXX, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to Experian, XXXX, and XXXX. 

" I'm asking that the CFPB assist me in this matter because Experian, XXXX, and XXXX  has violated my rights to the fullest and this matter has affected my life in the worst way.

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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX to inform them of my unemployment status and that I will not be able to repay the loan which I took out in XXXX of 2018. They still proceeded to charge daily interest and send me emails, threatening letters in the mail and also call me at random times during the day. I sent them a letter notice that I am still unemployed in XXXX as well XXXX and they will not stop the harassment. I even reached out to a free legal aide service and was told they could not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I called chase credit card services ( XXXX ) twice this week attempting to remove a late charge on my credit card. This had negatively impacted my credit score. I have had accounts with them for over 15 years I've never been LATE or missed a payment. I'm a XXXX year retired XXXX veteran. Who is trying to buy a home! Because of this matter I can not proceed. I told them I never received this statement in the mail. As soon as I found out I paid it promptly. By the time I paid it was already 30 days late. I actually had to pay both the due date and late payment at the same time. 
All I really wanted was a one time goodwill adjustment. Yet they won't grant me one ... Amazing, I've never been late for 15 years. Once I pay these people off I'm closing all my accounts with them and I'm going to tell everyone I know to say away away form CHASE!

Company response to consumer: Closed with explanation