vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMS Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: INVESTORS BANK
State: NY

Complaint narrative:
Re : _ Investors Bank Ac # XXXX Passbook Ac # XXXX Statement Sav. 

The purpose of this complaint is to obtain funds that were withdrawn from my account due to inactivity. 

As i explained to their customer service I never received any documentation that the accounts became inactive, nor did I receive any notification or actual statements that statements were available. This pertains to actual mailings nor electronically. 

Customer service was able to credit {$45.00} to the passbook account, which is a rental account, bringing it to full compliance with the credit. Bare in mind that these funds do not belong to me and that I can not make any transactions in it. 


The actions to be taken for refunding the fees in the Passbook account, I was told, falls to the branch manager. After numerous attempts I was able to contact the branch. Speaking to XXXX XXXX XXXX ( XXXX ), over the phone, i was informed that he was going to explain the situation to the branch manager XXXX XXXX XXXX and get back to me. Upon his return call the conclusion was a flat out no refund will be given. 

Pursuing this matter, I learned that I could not log on to my account. Which entailed additional contacts with customer service to unblock the account which was blocked due to inactivity. 

The statement account was charged a monthly fee of {$5.00} from XX/XX/XXXX to XX/XX/XXXX ( I learned of this upon my inquiry late XX/XX/XXXX due to no communications from the bank ). The fees totaled {$70.00} approx. 10 % of the current balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XXXX XXXX XXXX - XXXX CST I transferred XXXX Litecoins ( a cryptocurrency derived from Bitcoin, worth approximately {$2600.00} at the time of the transacation ) from the Binance crypto exchange to XXXX XXXX XXXX XXXX ( hereforth known as XXXX ), the crypto exchange owned and operated by the XXXX XXXX-based Coinbase, which is the largest Cryptocurrency operator in the United States. 

The method Coinbase uses to transfer funds to XXXX involve bringing them in-house to their own wallets first, followed by a transfer to the XXXX wallets. 

My money is stuck in this process. It is strictly internal, a failed system issue on their end, and they refuse to address it. I have spent over 6 hours on hold for them at this point, and they refuse to speak with me regarding it. When I actually managed to get ahold of someone, they hung up on me. They responded via email, refusing to call me back. 

I am not the only person experiencing this issue now, and we are all making a point to report this negligent behavior. There are people who 's funds have been captured in system failures of their for nearly a month now, with no response, support, or resolution in sight. I know if I let them, the same will happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OH

Complaint narrative:
The company was asked to verify the debt and refused on multiple occasions, when finally Pro Collect 'provided evidence the debt was valid ' via mail, they mailed me a bill for someone who was not me for an address that was not mine and claim it is valid. They exceeded their 30 day window to provide me evidence and when they finally provided the 'evidence ' they provided a billing ledger for a woman that was not me and is several years older than myself who began renting with them in XX/XX/XXXX when I was still a minor. They are claiming this is evidence the debt is valid, well outside their 30 day window to do so ( which closed on XX/XX/XXXX ). They have no right to collect from me and they are using this as a  stalling tactic. The evidence they claim belongs to a woman that is not me and are outside the window outlined by Ohio statute to provide such evidence. The original debt was claimed on a three bedroom  apartment, which I never rented, and disputed such. All on a recorded line. They have proven that they are collected from me incorrectly for someone else 's debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
My roomates and I were told we owed a non-legitimate charge but to have it not affect our credits we got together and paid it off. The debt collector wo n't acknowledge that and continues threatening our credit saying we still owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: AL

Complaint narrative:
I have been receiving telephone calls from Reps with this Collection Agency for several days. The Reps call my home # ( XXXX ) XXXX and my cell # ( XXXX ) XXXX all day. I have requested that the Reps stop these harassing calls ; but they ignore my requests. I have no idea which Debtor ( s ) they represent because all of my debts were included in a Bankruptcy Case during 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was stunned after I obtained my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they  verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: NJ

Complaint narrative:
Hello Sir/Madam, Company involved : XXXX XXXX XXXX XXXX, XXXX XXXX, myself Issue : XXXX XXXX XXXX XXXX provide cosmetic service to their clients related to growing hair by selling service and products. I end up walking into their XXXX location where sales person describe me their service and asked me to sign formal agreement if i choose to continue with the service. I did sign document but realized with current medical situation I ca n't take chances with any chemical products provided by them. so i changed my mind and did n't visit their center at all. 

As per agreement they charging upfront approximate {$2000.00} amount to bank and Bank called me with payment of XXXX, with my dispute to them they gave partial refund and as per current statement I still owe XXXX amount ( interest included subject to increase with delay ). When Bank called me for XXXX amount, i asked bank i never got physical card under this agreement and you taking this service as credit service, can I see itemized amount of XXXX where it been used? Bank gave me lame excuse - " We cant provide details of the transaction " even i can login to the credit card statement. 

XXXX XXXX not giving refund of the credit line they opened with bank under my social security, and being as consumer i do n't have rights to know what 's going on with the credit line between Bank and XXXX XXXX. 

Please help me to resolve the issue, i did n't use penny service from the service provider due to medical reason, they did n't give full refund and bank asking me for payment with my question to them about transaction detail they could n't answer me back. 

I feel harassed, continued call from " XXXX '' with the lame excuse from them " they ca n't provide details on credit line transaction due some reason they did n't give me reason either. " Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
They harass me continuously. Calling my cell phone, Calling my wife 's work phone, and also my work. I 've told them multiple times to quit contacting my wife and my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I ended cable services with XXXX and returned there equipment. When the collection agency called me I was informed that the charges were for non returned equipment. I returned the equipment to the XXXX store in XXXX Ca. I was told that they would investigate and return the call with an update. The next thing I received was a ding on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I co-signed on a student loan with XXXX with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted XXXX and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. XXXX 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to XXXX, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Never received a bill for my amount due. Contacted Kohls and paid the balance and requested paper statements. Kohls filed a bad report on my credit report and it brought my credit score down almost 80 points. I think this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had this item removed and it is showing on my report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX. 

I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month. 

I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally. 

For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX. 

For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late. 

Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved. 

Thank you for your consideration

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MI

Complaint narrative:
I received a loan from XXXX and believe that this loan violates state and federal usury laws. I financed XXXX and have to date repaid XXXX and still owe over 2,000 to pay it off. I am no longer able to repay this loan and have been forced to close my checking account to stop automatic debits from occurring in the amount of over {$450.00} biweekly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: LA

Complaint narrative:
i have addresses and names on my reports that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Under the Home Affordable Modification Program HAMP- letter from CHASE Dated : XXXX XXXX.2017-about eligible for " incentive credit to principal with timely payments -This was never applied nor known to me- under program for Treasury incentives " for every year credit to be applied - up to {$1000.00} per/yr and a one time $ XXXX-this has not happened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Loan matured XX/XX/XXXX. 
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I 've submitted financials and request for mortgage modification to Ocwen Servicing several time. Ocwen is in willing to work with me to keep the my home that my father left to me upon his XXXX. I 've provided the Authorization, Power Of Attorney, and XXXX Certificate necessary for me to move forward with modifying the property. 
Ocwen is giving me incorrect information and saying they did n't receive the modification request and financials. I 've also been told by several customer Service Representatives what to fax and where to fax the required information. Please Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017.  The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation