vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Please be advised of the following. The response from XXXX XXXX to the Consumer Financial Board states the following : " Sent to company STATUS Sent to company on XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also called you at XXXX, on XXXX XXXX, XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. '' I checked my telephone and there was no record of a message or telephone call. The fact that JP Morgan will again use the same old tired tactic of " researching complaint '' is a tired trick by a dishonest and greedy institution. 
Just wanted to have this on the record. They have excelled in the art of deceptive mortgage practice and by stalling they hope to frustrate the consumer. Not me. Will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX  sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection.
I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX.
This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.

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 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I live in Alaska and I have an XXXX Bank of America credit card I received a notice from Bank of America telling me I must come to one of their locations and provide them physically with a copy of one of my Photo IDs. when I contacted Bank of America they told me they have no branches in Alaska and I would have to buy my own airplane ticket and fly to XXXX to go to a bank branch and show them an ID they said they have no recourse for this and I must do it or they will close my account and make me pay my balance in full. any help that could be given as to some type of resolution would be appreciated

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 2017-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was sold to apply for a Home Equity line by Chase, Applicatication number '' XXXX XXXX XXXX XXXX : XXXX XXXX ( NMLS XXXX ) on XXXX/XXXX/XXXX when inquiring about the HELOC product. Phone call was represented to be recorded. Upon completion initially my wife had some errors on her credit report and I was told that I would be approved with the application in just my name. I fully explained my divorce in XXXX and the short sale ( s ) /charge off that took place as result. I also explained that my circumstance met the XXXX XXXX guidelines for an extenuating circumstance in that my credit before and after the divorce liquidation required was perfect, and that I had obtained conventional XXXX XXXX financing in XXXX. I was told by the NMLS licensed Chase employee ( XXXX XXXX ) that I just needed to submit the same documentation ( letter of explanation and copy of my divorce decree ) I did for my first mortgage. On XXXX XXXX, XXXX I received a message from the XXXX XXXX XXXX XXXX ( NMLS XXXX ) stating my application had been denied due to the short sales. Upon calling I asked when the file was underwritten and I was told that it was underwritten the prior day on XXXX/XXXX/XXXX. I immediately asked how they were to come to a credit decision prior to reviewing the documents surrounding the divorce that were sent on XXXX/XXXX/XXXX. XXXX apologized and said she would have the documents resubmitted for another decision. This was done and they again denied the file, completely contrary to what was represented by the licensed NMLS representative XXXX XXXX. I was given a false approval on a recorded line after giving all of the exact details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX, 2017, BankMobile desposited my XXXX XXXX XXXX refund of {$720.00} into a JP Morgan Chase bank account that is not mine. I 've made several claims, spoke to dozens of representatives and " customer service specialists '' from each of the companies and they all ran me around in circles. I just want my refund so I can get the things I need for school. It 's been two months and still no results or explanation on how this even happened or how they can fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXXI opened an account with Coinbase to purchase digital currency. {$4000.00} was moved to coinbase which I then purchased XXXX. A few minutes later my account was closed by coinbase for no reason. Now I cant access my account and the money was taken from my bank account.
I 've called them over 20 times, but no answer and they just hang up. I 've also send over 10 emails. 

I need to have acces to my account to transfer the coins. Right now they are holding my money and not giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have tried and tried to fix this problem, I have XXXX XXXXXXXX, am XXXX and sls will not help me, I just want a repayment plan that I can afford, sls keeps denying me, I was set on a repayment plan and called to tell sls that my payday was different then what I had originally told sls and asked if I could change the date, well I found out I was in foreclosure, I have begged this company, pleaded with them, and i get no for the answer, in may I was given a modification and in XX/XX/XXXX before I could make the first payment I was admitted to the hospital, where I had an extended stay, I was diagnosed with XXXX XXXX XXXXXXXX, the people I trusted to pay my mortgage, took my money and left the state, so I have been asking for a repayment plan and this company will not help me, I keep trying, I ama us XXXX veteran and I am XXXX, I want to stay in my house to XXXX, but sls is foreclosing on me and putting a XXXX veteran in the streets I have no where to go, I have asked this before and they tell me no, this company is a very very horrible company, they have no compassion, I have tried to make my last 2 payments and was told no because I am in forclosure, I have no where to go, I can make my payments but they want me to sell my house or deed it back, I want to keep my house, I have tried, I guess my next step is to go to media and have them reveal this company for who they are, when I had my modification done, my balance went from XXXXto XXXX, but had to sign papers to keep my house, and they are taking my house away, I will contact media.

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 2017-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a part time job. My private loan with Citizens Bank/XXXX XXXX is 3 weeks of my paychecks for a part time job at {$9.00} an hour. That would mean I would n't be able to pay my car payment or car insurance ( along with other day to day necessities ) which in turn leaves me jobless. I am now behind and will never be able to catch up. Thus, both mine and my co-signers credit will be tarnished. 

I have called multiple times trying to work something out, even mentioning income based payment options and they have offered me nothing. They say I 've used up my deferment when I was trying to get my feet under me when I first moved to CA for work. 

I 've made a small payment, but the harassing calls will not stop they have said. 

At the end of the day I am aware that I am not the only citizen that is in this situation with college loan debt. These companies need to be more helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX in XXXX, TN to s attempting to collect and is reporting a collections account on my credit reporting agencies for {$280.00} to the original bill owner - XXXX. 

I paid XXXX on X/XX/15 and provided the date and check number to XXXX. They claimed thats not enough. 

I need this removed from my credit as its damaging my credit not allowing me to reach XXXX for the ability to rent an apt . 

So, I contacted them again and requested that if I pay them the money again will they please delete the reporting. 

I received in writing that they will not remove the reporting from my credit - they will just change the status. 

This is absolutely ridiculous as they are attempting to collect a debt that doesnt exist AND further are not willing to work with me to correct my credit. 

Please help. 

XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I am a user on XXXX and am trying to transfer my XXXX from my XXXX Etherum Vault to my XXXX Etherum Wallet, however, it appears that some how my secondary email ( which is needed to confirm a transfer out of a coinbase vault ) is incorrect. On XXXX/XXXX/XXXX I initially created a withdrawal, however, after 3 weeks my XXXX was still not available. I called XXXX Support on Monday XX/XX/XXXX and was told they are unable to change my secondary email address. The only way I can access this currency is to have my primary and secondary email approve the withdrawals, so unless XXXX can help me, my Etherum is inaccessible. 

A secondary issue that I have been dealing with sinceXX/XX/XXXX is my account is locked, so I am unable to make any additional transactions. I have called and emailed support upwards of 20+ times and have never been given a way to unlock my account. The phone support says to email my issue, but when I email, I never receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Absolute Collections Corp.
State: NJ

Complaint narrative:
I received a letter from XXXX collection agency stating that I owe them money. I sent them a letter to only contact me via mail and not to call me or my employer. Since I confirmed delivery of the letter I received 1 call a day and my employer is also receiving 1 call per day. I would like this to stop and for them to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uptain Group, Inc.
State: TX

Complaint narrative:
Uptain Group told me through the CFPB that they requested the erroneous collection be removed from my credit file on XX/XX/XXXX. XXXX said the Uptain Group did submit a deletion request, in fact Uptain Group verified the erroneous collection information on XX/XX/XXXX according to 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 2017-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion is reporting a Tax lien that I have no knowledge, I have tried many times disputing this with TransUnion with the item not being deleted. The tax lien amount is for {$10000.00}. Also I like to include that XXXX and XXXX deleted this already.

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!

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 2017-12-12 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: AES/PHEAA
State: KY

Complaint narrative:
Was giving retroactive forbearance and still had XXXX days XXXX day XXXX days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The backstory : In XX/XX/XXXX, my friend a realtor calls me to ask is everything okay with house. My response everything is great. He explains that the house was reported to the county for foreclosure. This was a shock to my wife and me. My wife calls the mortgage company Loan Care to find out the issue XX/XX/XXXX. Loan Care company said to contact the XXXX XXXX they will not talk to us. My wife contact the XXXX XXXX, the trustee states that we are behind in our mortgage payment of 6 months- {$14000.00}, my wife said how can this be we have proof of electronic payments to the Loan Care as well as the insurance being paid to XXXX out of the escrow company. The XXXX XXXX states we will not speak to you until payments are caught up, plus fines and legal fee ( {$24000.00} estimated ). My wife and me, tried to gather any money we could to pay this back by emptying are 401K ( {$20000.00} ), which we did not have enough. During this ordeal, we found out Loan Care in XXXX of XXXX to XXXX XXXX put the house in to foreclosure than removed without us every knowing, damage our credit even more. 

In XXXX, my wife and I contacted XXXX XXXX XXXX, with the understanding the law firm could stop the sale date, this did not happen. My wife and I were forced to sale the house XX/XX/XXXX the house for what was owned not what it was worth, to prevent foreclosure or bankruptcy. In XXXX, the law firm that was supposed to represent us, states that can not represent us, only after receiving payment of {$4000.00}. 

In the end, we lost our house, lost our mortgage payments, our credit-making it difficult to find a place to rent, lost our dignity, stressed out-family of 5 trying to hold it together. We did everything right, yet we are being punished with losing our home and our character.

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 2017-12-12 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. 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 explanation