vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the account referenced as XXXX XXXX thats is stating the account was opened on XX/XX/XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please see attached the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this company. As an XXXX XXXX serviceman whom was in delopyed international from XX/XX/XXXX to XX/XX/XXXX. Although I was in the united states on XX/XX/XXXX I was not in the state of Texas to open any loans. I have attached a letter from the United states military stating my identity was compromised. So I ask again how was this debut vaildated.When the SCRA ( All XXXX XXXX servicemembers are protected under the Servicemembers Civil Relief Act ) If your military service " materially affects '' your ability to make the payments on time the military service the seller can not repossess the item, take you to court, or make any bad credit reports on your contract without a court order. What court order did XXXX provide as proof of request to get payment for said account.

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 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX last year there were some hurricanes that affected several states including ours. We were contact by CHASE offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to CHASE. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/XXXX ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period CHASE wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I submitted a letter to National Credit Systems on XX/XX/XXXX asking them to verify apartment debt and they mailed me back a settlement letter. They completely ignored my request to have the debt validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
To whom it may concern- Starting in XX/XX/2017, I've been having difficulties with my now former financial institution, Wells Fargo . They assigned me a new bank account that I did not authorize, and withdrew funds when my account balance was low. They sent me a new debit card that I did not want. I also have asked for my personal line of credit balance and they gave me the wrong amount owed. They have not sent me the personal line of credit statements that I requested. 

Please resolve this as quickly as possible. Thank you. Sincerely yours-

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 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
On XX/XX/2018 I disputed a collection account with XXXX and XXXX  being reported by XXXX XXXX XXXX and both credit reporting agencies responded back that the account was verified as mines. I have never had an account with XXXX which is the company ERC is collecting for and also I have NEVER received any correspondence or letters from ERC about this debt. I have no knowledge of this account and I have never opened any contracts with XXXX. This negative information being reported is negatively affecting my credit and I want it removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had applied on line for a small personal loan. The amount was {$5000.00} I was approved and was sent a bank cashiers check from XXXX XXXX for {$4800.00} I dont know why it was not for the full amount of {$5000.00}, but I thought maybe it was for fees involved. 
I went to my bank Bank of America to deposit it, on XX/XX/2018 I showed it to the teller and asked her if it looked ok, and she said yes it looks good. 
So I deposited the check. 
The check did not clear, they told me it was a fake check and they closed both my accounts I had with them. 
First of all I have been in business for myself for 41 years. I take extreme pride in my work and I have always done the right thing. 
Second why would i deposit a check I know is fake, I mean come on really. 
Like I said I always do the right thing and am highly insulted that they think I would deposit such a check. 
Over the years I have for business purposes received small loans and merchant loans. 
I dont understand the motive behind the fake check they did not charge me anything so I don't get it why they would send me a fake check. 
I called Bank of America and spoke to someone about the situation and explained the whole situation that obviously I did not realize it was a fake check and if I thought was fake I wouldn't even attempt to deposit it. But Again I showed it to the teller initiation was fine. 
The woman I spoke to was very rude to me and treating me like a criminal, it was very upsetting I didn't get her name really wish I did. 
She told me I could never open another account at Bank of America and I will be on XXXX  for the next five years I find this to be totally unprofessional and not fair, I am an honest hard-working businessman and to be treated like this wrong and its effecting my business and lively hood. Being on XXXX will affect me financially because being self-employed I use my bank accounts for Business. 
I would like my 2 bank accounts reinstated and be off XXXX Thanks

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 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries are unknown to me and I do not recognize them or authorize them. I was a victim of identity theft and I do think this was all done while that was going on. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I wanted to payoff loan and showed balance of XXXX. I went to the local store to payoff and they were charging me over {$100.00} more than the balance owed. I called the following day to corporate office and still had to pay over {$100.00} to close the account but was still less than what the local office was charging and it was said to me if they wouldve closed it the day i had gone the local office the interest wouldve been even less to payoff. Ive been paying this loan for over 4 yrs and have been called to renew several times after I said no! Ive been getting calls to renew and take home {$1500.00} but as I looked back I would have to pay more than triple that amount. They make nearly impossible to payoff and close account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted TransUnion about an inquiry on my credit report around XX/XX/2017. The inquire wasn't authorized by me and should of been removed. It wasn't removed by Transunion due to them telling me it has been verified. I contact the company which was XXXX XXXX and get a letter stating the item wasnt authorized and will be removed from all credit reports. They sent me letter in mail stating that it will be removed. I contact transunion and i faxed and mailed in proof in writing and transunion still refuse to remove it from report at this time. I have been having proof since XX/XX/2017 and they still haven't took the proper actions with removing it from my reports.

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 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I was charged {$400.00} twice ( {$800.00} ) on XX/XX/18 with NO AUTHORIZATION. These are not duplicate charges, as I did not make any purchase in the days leading up to XX/XX/18. I am very disappointed, and this money is important to me. Please resolve this as soon as possible. Apparently this has been a repeat issue with Coinbase. 

Attached is a copy of my Coinbase transaction records and the bank transactions in question. Unfortunately Coinbase did not offer a ticket number for my records, but I have contacted them via email ( the recommended method per Coinbase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST. 
The company responded that I could still get the {$300.00} by opening up an account at a branch. The closest branch is nearly three hours one way ( XXXX, VA ) and I am a XXXX XXXX XXXX veteran who was born in the US, and been in the US military 27 years and worked for the Federal Government also. How can my identity not be verified?? It does not make sense and to tell me to go to a branch 3 hours away is not resolving the issue. Surely there is some method of verifying my identity - I have a valid passport, SSN, DL, and am willing to scan or mail any or all of these to have my identity verified. Please assist me in getting a reasonable resolution to simply open an online checking account - I have online accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and others and never have been to any branch or office to open accounts at those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( XXXX ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The XXXX   acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted XXXX on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
On XX/XX/2018 I disputed a negative collection being reported by Diversified Consultant on my credit files with XXXX, XXXX  and XXXX. All of the credit bureaus responded back saying the information they are reporting was verified but they sent me no prrof of the verification or validity. I have no knowledge of this collection nor have I ever had an XXXX XXXX XXXX account whom Diversified Consultants are collecting for. I have never receive any debt notices nor have I received any paper work with signatures validating the validity of this collection account. I would like the negative information to be removed from all my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Called someone I know and associate with on XX/XX/XXXX but is not on the account, never listed on the account and not even a personal reference on the account threatening them for me so they would contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I refinaced my home in 2016 with Ditech. I was promised a much lower payment. Which how I got that lower payment is an issue I found out at the end of this year. In 2016 I was paying {$640.00} a month in escrow. I even got an escrow refund of {$440.00} dollars because they made it seem like I overpaid. Did not really stop to think about it. The new mortgage they charged {$420.00} for escrow even though nothing changed in my taxes or homeowners that they were aware of. So come the end of this year I have a {$2400.00} escrow shortage. Which will bring my payment back up to where I was before the refinance. The only reason I can see for them charge so much less escrow when the bills were the same was to keep the promise of a lower payment for 1 year and now my payment goes up XXXX a month. XXXX for the escrow I should have been paying and XXXX more for the escrow that I am backed up. I feel that was a deceptive practice to try and convince me to go ahead with the refinance because my previous mortgage was discharged in bankruptcy.

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 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
As of XX/XX/XXXX, I have paid my mortgage on time for the past 36 months, in which the HAMP program required and they took XXXX off each year i paid on time. ( I had ACH withdrawals ) ' My mortgage was XXXX, now its down to about XXXX and I requested the mortgage company to set up Bi Weekly payments as of XXXX payment. 

I have been paying since XX/XX/XXXX on this home and they have gotten almost double. 
They told me in XX/XX/XXXX that in order to set up bi weekly payments, my account would have to be paid 30 days ahead.. I sent the paperwork in and they sent me a letter stating it was too late the Bi weekly account couldn't be set up because the paperwork did not arrive in time. I asked if I could fax the paperwork in a make another payment to put my account up and they said yes and then changed it to being 31 days ahead.. On XX/XX/XXXX I faxed the paperwork in and made a payment. 

XXXX ( XXXX XXXX fax phone XXXX option XXXX XXXX ) took another payment and set the bi weekly payment up for XX/XX/XXXX and XX/XX/XXXX.to be exclusively watched over by her. The 1st ACH will be withdrawn in XX/XX/XXXX. 

I recieved the same paperwork again that OCWEN mailed on XX/XX/XXXX stating they couldn't set up my BI weekly because the account was not 31 days ahead and when i called and told them XXXX had physically taken out the payment on XX/XX/XXXX and I had made another full month, they stated that the XX/XX/XXXX payment had accidentally been applied to the Principal. and the account needed to be 31 days ahead to set up bi weekly payments. This is so crooked and dishonest. 

I have been in this house since XX/XX/XXXX and have paid double what its worth. OCWEN is AKA as a PREDATORY LENDER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I engaged XXXX to dispute on my behalf, the reporting of incorrect information of a short sale by Nationstar on my 3 credit reports. All 3 reports contain incorrect information regarding the dates of when the mortgage was opened ( some say XX/XX/XXXX, some say XX/XX/XXXX ) and dates closed as well ( some say XX/XX/XXXX, some XX/XX/XXXX ) in addition to various other incorrect listings. They went through the first round of disputes starting in XX/XX/XXXX and gave the agencies 45 days to verify. Nothing changed. We then went through a second round of disputes beginning in XX/XX/XXXX and nothing was changed. In XX/XX/XXXX, XXXX produced validation demands to Nationstar to send me the signed contracts, statements and detailed billing that was used to report the information to the credit agencies. They have failed to do so. They were then sent a non-compliance notification in XX/XX/XXXX and no response was received. Now, according to the Fair Credit Billing Act, this information should legally be removed entirely from my credit reports as some are incorrect and they have failed to send any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I had purchased the following amounts from Coinbase on the following dates : XX/XX/XXXX one transaction for {$270.00} and one for {$220.00} for XXXX. These cleared on my bank account on the following dates : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I was charged without my authorization and for NO product for the same amounts on the following dates which have cleared on my bank account and I have not been refunded : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I included screenshots showing that I only made those transactions on XX/XX/XXXX as shown in the recent activity area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I paid off the balance of this account and closed the account, and they said i owe a {$27.00} late charge. they have been charging me a late fee on a late fee that now totals over {$250.00} which i refuse to pay. this is ridiculous that this fraudulent charge should affect my credit score. I paid them what i owed them.

Company response to consumer: Closed with explanation