vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase, the issuer of my XXXX XXXX card charged me {$25.00} late fee because they claim I did not make the minimum payment of {$25.00} for the billing cycle ending XX/XX/XXXX on time. This is a false claim. My total balance for the previous cycle ending on XX/XX/XXXX, was only {$60.00} but I paid {$200.00}, meaning I had {$140.00} credit with Chase to be applied for the next month, XX/XX/XXXX. Chase recorded the {$200.00} payment on XX/XX/XXXX. During the next cycle I used the card for other purchases for a total of {$360.00}. Chase applied the {$140.00} cash credit from previous cycle and my balance came to about {$200.00}. So, the {$140.00} of my money that I had at Chase was used and credited toward my XX/XX/XXXX billing cycle. Therefore, I had the peace of mind that I did not have to worry about the minimum payment and did not make one. However, Chase still charged me late fee because they claim that even though they had my money and that money was used as a payment to my account that does not count as a payment. This is unfair business practice and I am sure I am not the only victim of this kind of creative accounting by Chase. In my view since at the beginning of the billing cycle I did not owe anything on my account and actually Chase owed me {$140.00} then they can not claim and late payment against me during the next cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello CFPB, I was recently notified of my personal information was apart of that huge XXXX   breach. So the steps that I took was pulling my credit report to look over everything on all 3 credit bureaus and noticed accounts that are definitely NOT mine. I've had to freeze all credit bureaus and send out dispute letters certified in the mail to all three credit bureaus and validation letters to the unknown credit collectors. One of the original collectors on just my Experian report is really shady, meaning i looked them up on XXXX search and they are permanently shut down and the collector for this so called original collector website is unsecured, so I didn't want to go much further. I did send out a certified verification letter to this collector stating that they need to verify that this account is mine, because i have never in my life heard of them or the original collector. I also know for a fact that I did not initiate any kind of loan or credit card at this time in my life. This creditor is names XXXX the collectors name is XXXX XXXX XXXX. Both of which I have never once heard of and know for a fact that I never applied for any sort of cc or loan with these companies at any point in my life.I do have copied of these certified receipts from USPS and screen shots of the investigation on XXXX that I have done concerning these two companies. I have asked the 3 credit bureaus to make sure and get validation for all unknown creditors on my credit reports. 
By validation, they need to send me proof of my actual signature of these so called debts that they are reporting. I do know my rights and I do know that I have been a victim of Identity theft and now, this has put such a burden on my life, with freezing all credit bureaus and now i have to pay {$29.00} a month to monitor my credit report, so nothing else is added that isn't mine. As of right now it seems as nothing has been done, but i know for a fact that the credit bureaus have received my certificated and notarized verification letters. The sad thing is, that They continue to keep this false information on my credit report and seem to take this lightly, as of right now all three main credit bureaus have just 2 more weeks to finish their verification. If you would like to see the information about this particular creditor that I am speaking of above, please feel free to contact me.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 non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
THIS COLLECTOR CALLS AT ALL HOURS AND HAS NOW SENT COLLECTION NOTICES TO MY HOME. THIS DEBT SHOULD NOT BE COLLECTED ON AS IT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTION

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 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have a title problem and I have request that Ocwen sent me original copy, this request was made on XX/XX/2018. I had hope to have received this document by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I attempted to create a dispute with XXXX about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.

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 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In XXXX I entered into a Two Step Mortgage Modification Agreement with loan serviced XXXX XXXX XXXX. The terms included principal reductions in 3 increments upon the XX/XX/XXXX anniversary of the modification in XXXX, XXXX and XXXX. The loan is now being serviced by Fay Servicing and they have not complied with the deduction of the final XXXX principal reduction. I have called, mailed and emailed documents. It is XX/XX/XXXX, an 8 week delay from the XX/XX/XXXX anniversary date. 
Also, the Loan is still being held in the incorrect Title of The Estate of XXXX XXXX, an entity which ceased to exist in XX/XX/XXXX upon the closing of my late husband 's Probate. I have made repeated requests to have this switched to the XXXX Family Trust. This inaccurate reporting creates a hardship for me to cash checks such as the Escrow overage as the check was written to a closed entity. 
I have attached the Loan Modification Agreement as well as evidence of the XX/XX/XXXX and XX/XX/XXXX principal reduction credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX, which dropped my credit score significantly. I have received no phone calls or contact via US mail to confirm this collection is mine. Due to this, I did not and have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have already submitted a complaint regarding Chase Bank # XXXX ( and as hard as I've tried, I can not reset my password ). I had applied for a loan modification, in which I had financially qualified for, but after 6 months of waiting and submitting ALL paperwork/documents requested, I was denied. The reason for my denial was 'not primary residence ' when I SPECIFICALLY asked that very question BEFORE I applied.

However, to top that discrimination, I have now received an huge INCREASE on my mortgage payments of {$50.00} ... .I already have a hard time paying my mtg, so why would Chase increase it? Can you help with this problem as well as my original one?

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I refinanced a property that is now used as rental investment. I communicated to the loan officer that I did NOT want any information sent to the rental address ( address of the loan property ) and to only send to my primary residence. Chase violated this request by sending documentation a couple times. The first instance was with the approval docs which I responded in writing to the loan officer reaffirming that I do not want any documentation sent to the rental address. Just before closing Chase sent the entire closing package that contained my PII as well as the amounts. Shortly after sending the closing package was sent to the address my tenant notified that they were stopping the lease then moved out at the end of the month. There is no way of knowing if closing information was a contributing factor in their decision to vacate. Also, I have no way of know what happened to the personal information that was sent ( Chase did not require any kind signature on the package that contained personal and sensitive information ). I notified Chase and requested they look into the matter. Their response was 'we apologize ' that this happened but we have determined there is 'no risk to you ' as a result of our disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.

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 2018-06-22 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that Navy reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by Navy Federal Credit Union. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by Navy Federal Credit Union. 
I need this information immediately, for my background check to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I attempted to create a dispute with Equifax about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.

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 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I ATTENDED XXXX XXXX IN XX/XX/2006. MY PRIVATE LOANS ARE NOW WITH A COLLECTION COMPANY. MY LOANS WENT FROM {$5000.00} TO OVER {$18000.00}. I BELIEVE I HAVE BEEN OVER CHARGED. I UNDERSTAND THAT ALL OF THE XXXX XXXX   COLLEGES HAVE CLOSED AND ARE BEING SUED. I'M CONCERNED BEING THAT I ONLY ATTENDED ONE SEMESTER THAT MY LOANS HAVE NOW WENT TO COLLECTIONS WITH AN OUTRAGEOUS BALANCE. MY LOAN WAS SENT TO XXXX, XXXX, AND XXXX. I DON'T EVEN HAVE A TRANSCRIPT TO TRANSFER ANY CLASSES IF I WERE TO ATTEND ANOTHER SCHOOL TO PERSUE THE SAME DEGREE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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:
Equifax /I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately : Creditor Name : ( XXXX XXXX XXXX ) I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
when I was out of state my father received a home equity loan on his home in XXXX he had had a XXXX before this and his doctor had told me he was in need of 24 hr a day care. I talked with the doctor and social services about needing me to help him with his affairs. Their is not a easy or clear way for anyone being someones power of attorney to watch over another affairs when they do not want help. after the loan was taken out I had gone out of state to look for work that I was able to do because of my health and local economic down turn. My wife stayed with my father to see after him and help with what ever she could be allowed to by my father.He still was in command of his finances and other parts of his life but my wife cooked meals and cleaned house and drove him to any destonation he wished. when I had returned home the mortgage on his home of 49 years was behind and its county property taxes and a few other obligations. his bank and mortgage holder was XXXX XXXX in XXXX Washington but had been takin over by Umpqua bank. This XXXX branch and also the lead branch in XXXX, Washington would not let me look into his accounts or even ask questions. one one visit to the local branch my father had ask a question about his balance in his checking account and the teller replyed ... bring your check book in on Friday afternoon and I will take it home over the weekend and look into it. I ask my father if he had done this before and he told me yes a few times. I called the XXXX branch and reported the problem I felt had happen and was told they could not deal with me on my fathers accounts. my father did not want me to look into it any further and I did not until his passing in XXXX of this year when I found out his home was in foreclosure. I had told Umpqua bank I would take over the loan or get my own mortgage and they served me a law suite to remove my self and my wife from his home. I have done no other actions since that 3 days ago until now reaching out to the cfpb. If their is any way you can look into this I would be in your debt for life since I do not want my fathers home and my childhood home in the hands of the most unbelievable bank I have ever heard of! Thank you, XXXX 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 explanation
Consumer complaint received 2018-06-22 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:
Equifax/ I am request proof that I gave " XXXX '' permission to look at my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that XXXX reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 
I need this information immediately, for my background check to move forward.

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 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN

Complaint narrative:
I noticed on XX/XX/XXXX that my credit score dropped ten points due to the professional bureau of collections posting a deragatory collections account on my XXXX credit report in the amount of {$440.00} dollars. The account was opened XX/XX/XXXX per the collections information on the XXXX report. 

I instantly knew this information was inaccurate because I paid my XXXX collections bill in XX/XX/XXXX. I contacted the credit bureau to file a dispute. And after 24hrs I decided to call the Professional Bureau of Collections myself and tell them to remove the already paid account. I spoke with a guy who immediately said he would take the derogatory collections account off of my credit report but it would take 60-90 days. At that moment I asked if he could provide me a letter confirming in which he stated he couldnt. I also asked if h could expedite the process he repeated and said it will take 60-90 days.

The problem is The Professional Bureau of Collections bought this already paid collections account and did not contact me via mail or phone to tell me about this collection nor tell me that I was able to dispute it. Instead the account was sold to them and they proceeded to put it on my report and not take it off for 90 days. 

Because of their wrongful actions I was unable to get a company credit card because of this recent collections on my report. This has caused me emotional distress and embarrassment at my job, also financial loss taking the time to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX 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 explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This complaint is in regards to Coinbase. someone hacked my account and stole some cryptocurrency from my account. I notified them and they put a stop on the account. they did not nothing to retrieve my money. For the past 8 months I have been trying to log in to my account again and I have not been able to get access. I have sent numerous emails and calls and they keep telling me they are escalating this but nothing is being done. I just want access tom y account to close it. This is a fraudulent company and the government needs to examine their practices. 
XXXX XXXX

Company response to consumer: Closed with explanation