vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.

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 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I received notice by mail from Chase Bank saying that if I open a new checking account with direct deposit I was going to get {$200.00}. And since the company that I work for issue payroll Chase Bank check I went and opened a new checking account, I deposited {$100.00} on it. 

On TuesdayXX/XX/XXXX I deposited a check from XXXX  of {$1600.00} a loan that I got because I had an emergency. I could only get {$200.00} out it. 
Because they said the found will be the next day. 
The next day I went into the bank to get some money out {$1500.00} on the balance that I had. And my surprise was that they told me, that my account was closed, they also told me that they were going to send by mail check of {$1400.00} that I have not received yet. 

I been going since them to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CA XXXX any luck to get my money reimburse. Until I finally were able to speak with XXXX XXXX XXXX ( Personal Banker Officer ) Who helped me to open the checking account and made a formal complaint on XX/XX/XXXX. 

Today XX/XX/XXXX I still waiting for my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I paid my mortgage for the month of XXXX. There were issues with paying over the phone. I mailed in my money order XX/XX/XXXX. I still haven't received the money order back. I have never ever been late on any of my mortgages or credit cards. I was excited about Ditech. However, I see I'm overpaying. I have XXXX children at home and a XXXX in the hospital XXXX XXXX XXXX XXXX. This company hasn't even tried to help us lower our mortgage payment. Now they reported we are 30 days late. I strongly believe they reported this late payment to prevent us from refinancing with a new company. My mother and I have never ever missed one payment with any company. My mother had a credit score of XXXX and now it's XXXX. This is such a horrible experience. Even though my money order hasn't been returned. We still paid XXXX mortgage for the second time XX/XX/XXXX. We scheduled another payment for XXXX in hope the money order would return in time. This negative credit report in inaccurate. Also, the company sent us foreclosure documents already instead of asking us what happened. This is very traumatic. Why would we receive foreclosure assistance? Lastly, my kids told me someone from Ditech left a note on the door to call them. This is very invasive. I am very nervous about the mortgage company coming to my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am having problems with mcm, XXXX XXXX XXXX XXXX XXXX. I became sick and unable to pay my credit card. The limit was less than {$1000.00}. Last year around XXXX I received a letter that they were going to take legal action if I did not pay.The late fees added up and became more than my limit. I called made arrangements to make payments in XXXX. The scheduled payments were not followed correctly causing me overdraft fees. I contacted the agent left voicemails but no call backs until I requested to speak with a Supervisor to cancel the payment plan that was costing me more money, due to drafting on different dates the supervisor canceled the arrangements and pinned it back on the Agent who would follow up and never did.The payments stopped but now they have sent me a notice dated XX/XX/XXXX that I received XX/XX/XXXX stating that if I don't contact them they are taking legal action. I have paid more that my limit in fees I should not owe any more money. I made effort to pay the debt. They have my recorded calls when I called in multiple times and spoke with different people.I had every intention to pay the debt not the overdrafts fees by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986 I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Hi, I am currently working on my credit report. At first I noticed system 's collecting for XXXX XXXX XXXX on my report. I was not aware of any such account. I asked for more information and disputed the account. It was not investigated. Decided to research the only account I've had with XXXX XXXX XXXX and soon realized it was an old XXXX from XX/XX/XXXX. That account was closed was to be cutoffXX/XX/XXXX when I purchased my new home. We bought a XXXX. They were suppose to send boxes for Equipment before we moved but NEVER did. I spoke to them several times. I recall this very well. We brought equipment to our new home, XXXX was sending boxes AGAIN. This time, they were sent to old Addr. I wasted more time tracking boxes only to find them wet outside old rental property. I asked them where to drop equipment? I was instructed to drop off in XXXX, Tx, That is what did. They apologized, said : " I would be issued credits. '' PAID {$95.00} and closed this account. I DO NOT OWE this debt and it is marked " D '' on my credit report. I am a single mom working very hard to be a good example. Please look into this. 

Thank you for all your time. 

SB

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been in debt with Wells Fargo for over a year and my debt only increases. I have asked them to arrange monthly payments since I can no longer afford the minimum payments. They started calling my parents personal cell phones as well as my parents house phone. I never authorized any of my information to be shared. My debt has increased over the past eight months even though I have not used it once in those eight months. I went from oweing {$16000.00} to about {$2700.00}.

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 2018-04-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX letter are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I disputed this, I have no knowledge of this account. I requested supporting documents, however I only received company charges. No contract or agreement, nothing signed, no handwritten information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I refinanced two of my five loans with XXXX XXXX through XXXX. Due to having made on time payments to these XXXX XXXX loans while throughout the refinancing process, the amount due was less than the amount borrowed through XXXX, resulting in overpayment of the two XXXX XXXX loans ( {$260.00} & {$380.00} ) at the time of refinancing. This resulted in a credit to the XXXX XXXX loans, leaving me in positive balance. On XX/XX/XXXX I called XXXX XXXX to request the positive balances of these two loans be applied to a loan still in negative balance. The customer service representative I spoke to replied that they could accomplish this, and I ended the call thinking that it would be handled. 

7 days later, the request still had not been completed. The positive balance had disappeared from the two loans and had not been credited to the existing loan. The transaction record for my loans showed a Credit Balance Refund for the {$260.00} & {$380.00}, but the money has not been refunded to my bank account, nor credited to any of my existing loans. Once more I called to request the credit be applied. The customer service representative stated flippantly that this was " their busy period '' and " the back office '' would need to handle this request. She stated that she would put in another request. Neither of these things were mentioned in my first call. It has now been one month since my loans were in positive balance and 16 days since I called to get the balance redistributed with no result other than the disappearance of my credits. 

As a customer of XXXX XXXX, I would prefer my requests be handled in a timely and polite manner. Neither of these elements has ever been a part of my dealings with this company. I am extremely dissatisfied with their service and actions as a company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: VA

Complaint narrative:
i made a purchased of XXXX $ bitcoin from coinbase since XXXX of this month and after 6th days they canceled my order and they told me i will receive my money back within 3-4days but it's more than 8 days now i haven't receive the money back ... 



Coinbase Your purchase for {$900.00} USD of BTC has started We expect your purchase to be completed by XX/XX/2018. We will send you another confirmation when your purchase is completed. 

We're unable to cancel started orders. 
Read more about why here. 

Reference code XXXX Payment method XXXX XXXX XXXX - XXXX ... XXXX Start date XX/XX/2018 Estimated payout XX/XX/2018 Amount XXXX BTC Exchange rate @ {$6600.00} / BTC Subtotal {$890.00} Coinbase Fee {$8.00} Payment Method Fee {$0.00} Total {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a purchase in XXXX store on XX/XX/2018 for XXXX XXXX Then 2 months after i have noticed that my account was charged twice for that : once for XXXX on XX/XX/2018 on my XXXX statement and second time on XX/XX/2018 on my XXXX statement. I have filed a dispute to the company but they sent me some XXXX letter ( please find attached as well as screenshot of my credit card activity where it is shown that i have 2 charges for the same date for exact same amount and screenshots of my XXXX and XXXX statements where those amounts are shown ). This story is continuing for more then a month. I'm sick and tired to continue calling them and endlessly talking to either robot or people who are not listening carefully to what I'm saying to them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
SLS - XXXX XXXX XXXX denied recent loan modification on XX/XX/XXXX after referral from Attorney Generals office affiliated community agency. The home modification affiliated agency attempted to assist me. SLS had promised me last year and in XXXX that they would give me a modification with a lower interest rate of 2 % and balloon payment at the end, when I was struggling with work related injuries, discrimination since XXXX at work resulting in a civil case filed last month. SLS stated I owed {$190000.00} dollars and total principle is {$570000.00}. I had chapter XXXX filed. In XXXX. 
I contacted Hope program on XX/XX/XXXX after getting the loan modification denial from SLS. Hope program told me that my loan was neither generated from XXXX XXXX or XXXX XXXX and referred me to a Hud affiliated agency on XX/XX/XXXX. The Hud Agent took my income information and found a surplus of over $ XXXX monthly and was surprised I had been denied a modification by SLS. 
The Hud affiliated Agent got my permission and made a 3 way phone cal, to the SLS Representative in attempt to assist. The SLS was arrogant and would not budge and kept saying that I had an interest rate of 2 %, to which I replied no, my interest rate is currently listed as 4.75 % on all bank mortgage statements from SLS. The SLS agent then resorted to mentioning a supposedly prior modification done in XXXX which had fluctuating integrate from2 % during first year to 3 % ; to 4 % and then kept climbing. 
I told the Gentthat SLS had not been honest and led me to believe that I qualified for a loan modification after completing my Chapter XXXX plan / discharged in XXXX in a very satisfactory manner. They ( SLS ) waited and dropped the terrible news of a loan modification denial and they are sneaky about what they are actually planning to do so that time lapses. I have lived in the home for XXXX years and worked hard prior to my work related injuries and now I have a good income to cover all expenses with more than a {$1800.00} monthly surplus. I have 2 cases related to my work injuries in state court and 1 in federal court. Please help me and my family. Thank you. 
Conclusion : SLS can show their commitment to serving communities and struggling home owners by following through with their promise to modify my home. Just because I received XXXX loan modification by a different servicer, XXXX then XXXX XXXX XXXX, should not be a factor according to law. It has been more than 8 year to date. Their terms can be looked into so that they lower my interest rate to 2 %. Deceptive practices hurt communities and the very foundation of building our lives from the bottom up through hard work.k

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 2018-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I pulled my credit reports back in XXXX and Noticed that a car that i purchased showed for the full amount of $ XXXX when it was a total loss and insurance paid it off. 

XXXX never sent me any information on that account after the accident. 

That car was purchased in XXXX and they reaged it on my credit report. 

They sold the debt to NCB they are a collection agency and they never contacted by mail. I disputed the debt it was removed then it was added back to my reports a year later without them notifying me within 5 business days that it would be put back on my credit file. Now both XXXX and NCB are trying to collect a debt that is not owed at all.

Company response to consumer: Closed with explanation