vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.

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 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I had a car financed with JP Morgan Chase Bank NA for {$54000.00} since XX/XX/XXXX. Early XX/XX/XXXX I requested a payoff from Chase for the remaining balance of my car ( {$20000.00} ). The car was paid off XX/XX/XXXX. The following week I received a lien satisfaction letter from Chase ( attached ). On XX/XX/XXXX Chase calls me on my phone and request for me to send the lien satisfaction letter back and notified me the account has been reopened due to Bank error. Chase states that the payoff was not enough to cover the remaining balance ( {$4600.00} ). They scheduled a regular payment for XX/XX/XXXX of {$1000.00}. For a loan that has been paid off. The mistake of the bank is put on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had multiple disputes from a merchant that was using various names for all around the same amount of money. I included all of the transactions that I identified as from them in my dispute. This company never provided me the services they were supposed to provide in accessing an online portal for daily competitions against other players. The service was supposed to provide me this access and they never provided me the login information and they continued to charge my card. I asked Bank of America, on XX/XX/, 2017, via mail to dispute the charges. Online, they showed they received my letter as they disputed 3 of the 13 charges i disputed. However, they refuse to send me any correspondance and they keep telling me they sent out " letters '' asking for " more information to process the request. '' So, I resent my original dispute letter which details exactly what needs to be disputed, why, and what steps i took originally to talk with the merchant about the charges. 

They refuse to assist 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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
WESTERN UNION SENT A LETTER DATED XXXX2017. THE ADDRESS AND NAME TO ME XXXX XXXX XXXX   AND TO XXXX XXXX XXXX STATING CONFUSION.

WESTERN UNION IS IN VIOLATION OF THE DODD-FRAN A CT.

SEE ATTACHED LETTER. REFXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Currently I have a tax lien being reported on my Transunion and XXXX credit reports. The lien is inaccurate and should have never been filed. The lien has been ordered removed from my record. The first time I disputed the lien with Transunion they sent back a response stating it would be removed but after several months it was not removed. I disputed it a second time but now they are stating that is is accurate and are refusing to remove it from my credit report. I would like assistance in compelling the credit bureaus to remove this inaccurate item 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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I transferred my money via a bank wire from my personal bank : XXXX XXXX XXXX  on XX/XX/2018 in the amount of {$92000.00} to Coinbase. It has been an alarming 28 days since the wire date and I have not received my money into my Coinbase account! 

I have made more than 10 attempts to contact Coinbase over the past 3 weeks but I recieve the same scripted 5 word response : " We will or have escalated your request to our escalation team ''. But  NOTHING has been done. They initially said it would take 10 business days ... i feel this is just a made up number to buy themselves time. Coinbase has failed miserably in customer service and i am frightened that they have stolen my personal savings of {$92000.00}! 

I requested XXXX XXXX to recall my wire last week and they have since made 2 requests to Coinbase that have gone unanswered. 

I need CFPB 's help to recall my wire and receive my {$92000.00} back into my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both Transunion and XXXX reports on my XXXX  report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.

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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and Experian reports on my XXXX report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.

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 2018-02-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
ON XX/XX/2018, I RECEIVED THE XXXX XXXX REVERSE MORTGAGE LOAN STATEMENT WHERE I SEE THAT XXXX XXXX   GOT XXXX FROM Y LOAN PRINCIPAL LINE OF CREDIT TO BUY FOR ITSELF A HAZARD INSURANCE WITHOUT MY CONSENT. I DON'T NEED AND I DON'T WANT SUCH ADITIONAL INSURANCE BECAUSE I HAVE THE PROPER HOME INSURANCE REQUIRED BY LAW .I SENT A COPY OF MY HOME INSURANCE TO XXXX XXXX, ALSO I CONTACTED BY PHONE A REPRESENTATIVE OF XXXX XXXX TO LET KNOW I CAN'T AFFORD THE ADITIONAL HAZARD INSURANCE. THEY IGNORED ME. 
BEFORE ALL THIS, XXXX XXXX SENT ME SEVERAL LETTERS WHERE THEY WROTE THAT I WAS XXXX, THEREFORE THEY WILL DO A FORECLOSURE OF MY PROPERTY. IN MY OPINION THAT WAS A THREAT TO GRAB MY PROPERTY. ( SEE THE LINK : TOP 33 REVIEWS AND COMPLAINTS ABOUT XXXX XXXX ON THE CONSUMER AFFAIRS SITE, WHERE PEOPLES SAY " XXXX XXXX IS A LAND GRABBER ''. ALSO AT THAT TIME, XXXX XXXX GRABBED FROM MY PRINCIPAL LINE OF CREDIT XXXX FOR A FAKE PROPERTY APPRAISALTHAT NEVER HAPPENED. 
EACH LETTER OR PAPER THAT I RECEIVED FROM XXXX XXXX   CONTAIN THREATS. 
XXXX XXXX GOT MY LOAN ACCOUNT FROM XXXX WHERE I STARTED MY REVERSE MORTGAGE LOAN. I'M FEELING ABUSED FOR XXXX XXXX. 
WOULD YOU PLEASE HELP ME ABOUT THIS ISSUE? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XXXX XXXX  2018, I called Navient Student Loan Company about receiving the XXXX  form for interest paid on a student loan. I am the cosigner paying on the loan because this was messing up my credit score. Navient will not send the XXXX form to me to report on my income taxes. Instead they are sending it to the main signer. This is a violation of consumer and tax law. Many cosigners who are paying on student loans will be dealing with the same problem. Please do something about this.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Since graduating in 2010 I have been paying a monthly bill thinking that I have been pay off some of the principal balance but it looking further into it, my principal balance as been increasing. The way they setup payment plans is set only to have you paying off interest to the loan so they can extend the interest for as long as possible. It extremely deceiving and unethical.

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 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXXMy card was stolen and used at a number of ATMs and possibly one check cashing location for a card advance. I reported the fraud when I became aware of it the next morning. I don't know how someone got my pin number other than that I did use the card at an ATM in a bar prior to leaving to go home for the night.

My claim of Fraud was denied on the XX/XX/XXXX and I was instructed that If I wanted to have the claim reconsidered I would have to open a police report for the theft. I did report the card theft and the theft of {$1400.00}. The case was reopened with Bank of America. The bank last week finally got back to me and said again that there was no fraud. They cited their reasons for their decision as : Pin number was used and no attempts were declined indicating that whoever was using the card had knowledge of my bank account.

The person using my card at ATMs was covering their head and camera footage was not available to determine who it was.

There were in fact, a number of attempts that didn't go through because they tried to take out more money than I had and, once my account was cleaned out, I was at a negative balance of over {$700.00}.

The bank is now saying that I need to submit new evidence in order to reopen the case. I do have a receipt for a Pizza I bought at the time of the fraud that was delivered to my home which is no where near where the card transactions took place. I am unable to get a cell phone usage statement from XXXX  without a subpoena and I was asleep for most of the fraudulent activity so I have no other evidence of my whereabouts at the time.

What more is there to be done? I'm still out {$1400.00} and the bank has been charging me overdraft fees that I am unable to pay because all of my money was stolen. I additionally had to take out a loan from my parents to cover the loss as this occurred just after my pay day. MY bank account is still over {$700.00} negative. I have since opened an account with a new bank since I can't trust keeping money with Bank of America?

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 2018-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: NC

Complaint narrative:
FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, I have read that Republicans wish to reward EQUIFAX with a significant contract award, and now are actively seeking to sweep their egregiously callous miss handling of our personal information under the rug. 
Seriously? They should go to jail. I did not ask them to capture and store my personal information. I did try to get through to the jerks immediately following the incident, but they shut down all avenues of communication with us little people ( e.g. the ones they XXXX  over, not the ones who buy the information ). Sweeping this behavior under the rug is not an option from my perspective. Do the right thing will you please?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I contacted LoanCare approxXX/XX/XXXXfor the exact amount I would need to pay and the process for paying down my loan to remove PMI. 
I sent in {$19000.00} ( slightly more than needed ) and it was appliedXX/XX/XXXX ( confirmed online ). I mailed in a written request to remove the PMI the same day and emailed a written request and called in several times since. I have request call back and email for call backs and no help! Now I have paid PMI for the month of XX/XX/XXXX& XXXX and see no sign of the PMI being canceled or anyone helping!!!

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 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
I think, not sure, I have a medical bill that went into collections on XX/XX/2014 with XXXX XXXX XXXX XXXX in the amount of {$25.00} and {$84.00} for XXXX XXXX. I have never received a bill from XXXX XXXX  and do not dispute it. I'm simply trying to pay off this debt. if and when I finally get through to this office. They are rude and abusive to the tune of " why did it take so long '' and " whats my problem ''. I looked up this Michael Harrison on the internet and XXXX and found I am not alone with these complaints and I am not truly secure with paying them through the mail or if I do that this will be expunged from my report. I simply want to pay the bill if it is in fact mine. How do I go about this? Their staff is extremely rude and I do not feel that as a senior I need to be abused in such a manor for simply inquiring about this {$110.00} so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HW Holding, Inc
State: OH

Complaint narrative:
hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got an alert there was a change to my credit report on XX/XX/2018 a CITICARDS CBNA  flagged on XXXX   Account type  Affected by natural or declared disaster balance USD XXXX 
I did not apply for this account I suspect Fraud.

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 2018-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: BRite Financial Services, Inc.
State: TX

Complaint narrative:
I am leasing from brite financial serv. On my credit report the amount on the auto loan is reflecting as if I am late on my payments because the loan amount goes up and down. This problem is cause my scoring to goes down. 
I asked a lady why is this doing this she stated that it should not reflex a balance at all since I am leasing but when I told her a balance was reflecting she did not know why. my lease end in 2020 I am trying to buy a house and this issue is not helping. Please help resolved this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank charged {$39.00} over-the-limit fee on my Citi Professional Card. The Credit Card Accountability Responsibility and Disclosure Act of 2009, card issuers can not charge this fee unless cardholders opt in to allow the issuer to approve transactions that push them over their credit limit. I had never opted in to allow Citi to approve transactions over my credit limit. I called Citi and they said it was part of the conditions in the terms and they have the permission. I then asked to opt out and asked them to decline any future transactions if there is no sufficient credit available. They said they do not have that option.

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 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: TX

Complaint narrative:
The account THE BEST SERVICE CO/XXXX  with account number # XXXX is still reporting this collection account to XXXX  Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.

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