vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called Chase bank on the phone to close out my account after paying off the balance that was displayed online. I told their customer service rep to close my account and at which time was told my balance was XXXX. The account was closed, but later there were " pending '' charges of which they did not tell me would stay on my account. These " pending '' charges that I was not told about stayed on my closed account, racked up fees and eventually went past due and I was reported to the credit bureaus as past due. I never received any statements in the mail from chase about these past due charges. I only found out after a credit monitoring service alerted me to the fact. Despite calling chase, and getting the fee 's reversed and the balance paid out, they told me I was not able to reverse the ding on my credit report. 

I really feel that this issue is with Chase 's website. I don't feel that the probably display if you have any pending transactions on a closed account, and at the time of me closing my account it said on their website " Balance XXXX '' This is very misleading. I never received any emails/letters in the mail about this matter either. Thankfully the bank reversed all of the fee 's and interest, but said there was no way for me to reverse the hit on my credit report. I was planning on buying a house in the next few months and now this might cost me money or ultimately hinder my ability to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC
State: GA

Complaint narrative:
My ex husband and myself had a mobile home ( Home Mortgage ) with XXXX XXXX back in XX/XX/XXXX. I went through a horrible divorce as my husband was using drugs and failing to pay the bills which led to my having to divorce him. The Mortgage was in both of our names. We only had the Mortgage for one year and they got the trailer bc of being unable to pay debt. I was not working at the time as I had just given birth to my first child in XX/XX/XXXX ( she is now XXXX of age ) as this happened years ago. 

Now after 21 years, XXXX XXXX XXXX XXXX  filled a XXXX XXXX to the IRS and the IRS alerted me which caused me an adverse affect on my IRS taxes. 
I received a l letter from the IRS XX/XX/XXXX which stated that due to DITECH Mortgage sending a XXXX with taxable income of {$17000.00}, this could cause me to have to owe the IRS {$2900.00}. IRS Told me to contact DITECH Financial to dispute this and request that DITECH Mortgage rescind the XXXX in order ( so it is not XXXX, XXXX taxable income ). 

I contacted DITECH at XXXX spoke with a " XXXX '' and I TOLD HER THAT I did not want to be recorded but she did it anyways. 
I told her that I never settled on an amount of XXXX  XXXX of a debt from a mortgage that I had back in XX/XX/XXXX with DITECH nor did I ever receive a XXXX from them. I asked them to rescind the XXXX ( taxable income of {$17000.00} ) as this is a debt from " 20 Years ago '' in which I should not be taxed for taxable income of XXXX, XXXX on a debt from 20 years ago. However, XXXX refused to rescind ( reverse ) the XXXX. 
NOTE, I have suffered with my credit from this debt for over ten years and it was removed from my debt bc it has been over the 7 to 10 year period that the debt is lawfully removed from my credit. They can't go back 20 years later AND IN XX/XX/XXXX send the IRS and myself a XXXX form to tax me {$17000.00} for a debt from over 20 years ago that WAS charged off my credit report back in the year XX/XX/XXXX!!! this is very unfair and not allowed. 
ALSO< I disputing the fact that they kept putting this on and off my credit for over 20 years now and it has negatively affected my credit for way over the 7 year period. 
POINT BEING< IF THEY HAD PLANS OF TAXING ME AT {$17000.00} then they should have taxed me 20 yrs ago ( BEFORE THE 7 TO 10 YEAR PERIOD PASSED WHICH IS NOW WAY OVER ). If they were going to send a XXXX taxable income, they should have done this YEARS AGO NOT IN XX/XX/XXXX. I AM REQUESTING A COMPLAINT SUBMITTED AS THEY HAVE UNFAIRLY AFFECTED MY CREDIT PAST THE 20 YEAR PERIOD AND IT IS VIOLATING MY RIGHTS TO BE TAXED FOR SOMETHING IN XX/XX/XXXX ON A DEBT FROM THE YEAR XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Insikt, Inc.
State: CA

Complaint narrative:
I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Got a text from a person at XXXX XXXX XXXX asking to finish my loan forgiveness application. I never started one so I called and they had all information I had submitted to Navient the previous night. As I had the person on the phone my son called my daughter who was a previous employee of Navient. My daughter stated to hang up it was fraud so I hung up and the caller called me on my home phone from XXXX XXXX XXXX and at the same time emailing me to pick the phone up we got disconnected.from email XXXX previously to that he I got an email that I changed my password from XXXX it wasnt me that changed it. I then contacted Navient and they gave me the number to this organization and I was sent this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I sent a debt validation letter to Caine & Weiner for a collection account found on my XXXX credit file. I sent a request for debt validation on XX/XX/XXXX via certified mail. it was received and signed on XX/XX/XXXX. It has been 30 days without communication. I have not received any documentation validating the debt belongs to me as allowed under the Fair Debt Collection Practice Act ( FDCPA ). I attached a copy of the validation letter sent and proof of certified mail received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
The bank foreclosed on the home in 2007 and sold the home to a different person. Now, all of a sudden, I received a bill. ( Please see attached. ) When I attempted to resolve it, the operator said I was obligated to pay it in full. I explained that I lost the house over a decade ago to foreclosure. 

This is predatory debt collection practice.

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 2018-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX sold a XXXX XXXX XXXX to myself with a co-signer XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, they claim that I would have to sign a NEW CONTRACT and a NEW PROMISSORY NOTE ( # 2 ). We both resign the contract and I noticed that the original creditor never signed to contract anywhere. I tried to endorse the NOTE " Pay to the Order of the United States of America without Recourse '' originally but the resign was all electronic so i was not able to make the endorsement of the NOTE as I am the MAKER and Owner of the NOTE. The account was sold to CREDIT ACCEPTANCE CORP. I sent DEBT VALIDATION DOCUMENTS demanding that they validate the DEBT and they have failed to do so to this date. The COLLECTION AGENCY admitted that they didn't HAVE THE ORIGINAL PROMISSORY NOTE and I concluded that they do not have the RIGHTS or STANDING to collect the debt. On XX/XX/XXXX, CREDIT ACCEPTANCE CORP tried to ILLEGALLY REPOSSESS THE VEHICLE, resulting in myself hiding the vehicle until they can legally VALIDATE THE DEBT. I have recorded conversations with COLLECTOR where they claim they have a signed contract between myself, co-signer and CREDIT ACCEPTANCE CORP and have failed to produce any proof of a VALID AGREEMENT AND/OR CONTRACT. They are in DISHONOR!

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 2018-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX  on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX   and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours.

Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again.

Contacted Experian to dispute the account.and was told that XXXX  would respond within 30-days.

Received notice from Experian that XXXX had validated the account and the dispute was canceled?

Contact XXXX XX/XX/XXXX: Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back.

Contacted XX/XX/XXXX - XXXX ( XXXX  SoCal Rep ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX.

ContactedXX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX  ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents.

ContactedXX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX XXXX by email of the latest info I had on the case.

Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail.

EmailXX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.

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 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX, Due date : XX/XX/XXXX, Balance due : {$1100.00} Paid by due date : {$880.00}, Amount I accidentally forgot to pay by the due date : {$240.00} payments regarding this {$240.00} : XX/XX/XXXX Payment 1 {$20.00} XX/XX/XXXX Payment 2 {$200.00} XX/XX/XXXXPayment 3 {$21.00} Interest Charged : {$42.00}!!!!!!!

XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX Due date : XX/XX/XXXX, Balance due : {$3100.00} Paid by due date : {$3100.00} ( Full balance ) Interest Charged : {$52.00}!!!!!!!

Since I'm an accountant, I have an extended XXXX spreadsheet to prove them wrong. They don't charge their interest on the amount due, but on the whole amount that you used on your credit card! even if its ' paid before the due date ( They calculate the average daily balance which is a wrong method because it includes the transactions you already paid off! ) I talked to two supervisors from Capital One and I have their ID numbers as well.

For the second one I said : So if I have {$10000.00} credit line and I use {$9000.00} of it on one month and pay {$8800.00} of it before the due date, you will charge me on the whole {$9000.00}? and she said : " YES ''.

Then I said, so you charge people for interest on the amount that they already paid, correct?

She said : " YES ''!

This complaint is not only for me, I want to help other people from getting ripped off by this bad business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12 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: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Hi, im in workers compensation and insurance adjustor stopped my checks illegally with out notice to me or my lawyer, the financial hardship its not on my control at that point, i contacted caliber home loans which is the mortgage company and explain to them what has happened, it so happens that my lawyer had my checks reinstated, and i paid all my bills XX/XX/XXXX and XX/XX/XXXX, my credit score dropped from XXXX  to XXXX, i disputed with all 3 bureaus experian send me a letter of not clearing the late payment of XX/XX/XXXX, i know is my financial responsibility but it wasnt on my control, i need help fixing this issue cause since i never had problems before with any, once anyone sees my credit history it speaks for it self and my credit is a very caluable asset more than anything, i would like to make a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I don't know what this debt is for .I tried contacting the particular party but couldn't get an answer, they would never answer the phone. I just want to know what company, what was the charge/debt for. They offered me a settlement but I could never reach any one to find out what was what.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX is trying to collect 4 accounts in total that are the results of apparent fraud. The accounts are XXXX, XXXX, XXXX XXXX and XXXX. When I logged to the system with my information, it appeared under the name of " XXXX XXXX '' and the account balances amounted to {$6100.00}. I verify my XXXX XXXX and confirmed that those accounts were impacting my credit score. The whole profile was under the name of another person that is clearly not me. The company is manipulating the clients information and awarding those accounts to me. I did not recognize such accounts and the person which they have in profile its not me.

Attached is the online profile from XXXX XXXX, which is clearly not under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
There is a NEW policy with the RATE REDUCTION PROGRAM. Borrowers now have to renew paperwork every 6 months instead of every year. THIS AMOUNTS TO HARASSMENT. I am a XXXX  year old that took out these loans by mistake. I've been paying them back since XX/XX/2009. It is bad enough that I have to go through the XXXX  and XXXX every year with this. I AM NOT GOING TO GET A HIGHER PAYING JOB AT MY AGE. This is low level harassment. I lose time job time to take time to " renew '' once a year NOW THEY HAVE MADE IT EVERY 6 MONTHS!!!!

XXXX  DO YOUR JOB!! This organization was a BOON to student borrowers now you are just trashing it. DO SOMETHING!

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Motolease, LLC
State: FL

Complaint narrative:
I was current on the payments of the leased motorcycle but I lost my job so I got scared and did a voluntary surrender, brought the bike back to the dealer. Next day changed my mind, called the lease company told them I changed my mind could I keep the bike, they said yes. Then the told me where the bike is and said I have to pay XXXX to get it back I said why my payments are current. they didn't give a reason then sold the bike and are charging me XXXX on my credit report.total rip off scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2018-04-12 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: GA

Complaint narrative:
These fraudulent accounts need to be deleted immediately : 1.XXXX XXXX XXXX Acct # : XXXX 2.  XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, both my checking and savings accounts got unauthorized transactions over 9000 USD in total to an unknown person through coinbase.com platform, which is a website managed by coinbase, inc.. I never had any accounts with coinbase.com, never provided my account numbers and never approved such transactions.

Company response to consumer: Closed with explanation