vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I just wont to fallow up on my complaint 's I no that it wont go any where we just do n't have any Justus for the people in the USA it is funny I worked since I was XXXX and I do main work and when I was ask to serve my country I went I did not burn my card I did not run to XXXX and after it was all over com back and be treated like a hero you tell me way do n't or country help when we need it I do n't care what chase sais the lied when they said no one would tell some one to stop paying them well I got news for them they did the women that I talked with did and it was recorded all they have to do is get the tape I no that they do n't destroy them unless the do n't wont to get cot with it but it was recorded for training purposes when we ask for a mod that is when chase would not work with us after that they sold us to XXXX XXXX XXXX bank but that was after they cheated us and a hol lot moor the same way XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out a home loan to purchase my house at XXXX XXXX XXXX, in XXXX XXXX, CA XXXX and requested a loan modification according to HAMP to lower my payment and have still no received a reply. According to my attorney many documents have been falsified and I would like a copy of all documentation per the FDCPA and this Qualified Written Request ( QWR ) from my Account regarding all documents I am entitled to per RESPA and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Mortgage was paid off in XXXX 2014. Can not get title to property because they wo n't release lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
this was a payday online loan debt trap with extra amounts added to my pay back amount, which i was unable to meet their pay back guidelines, due to paying my rent and lights, gas, causing financial stress on my household. Receiving harassment emails. Affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX i received a XXXX transfer into my chase bank account for {$200.00}. Checked online banking and it showed it was available for use immediately. So I submitted a transfer request from my checking account ending XXXX to my other checking account ending XXXX in the amount of {$180.00}. 

XX/XX/XXXX chase alerts me that I received an overdraft fee for moving money from my accounts. I called chase and was transferred to XXXX levels of associates. They explained that zelle or quick pay has a cutoff hour XXXX hr earlier than every other transaction. Creating an hour where a client can technically overdraw their self. Chase is using this technicality to charge overdraft fees from clients that are n't aware of this XXXX hour of time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I had two tax liens that were satisfied and released on my credit report with Equifax. I faxed them the release from the IRS on both liens. The lien and the release has different numbers. Instead of updating the report and removing, they took the release document as a third lien and put it on my credit file as a 3rd lien. They made a mistake, I called 5 times today to fix it, was hung up on all 5 times. They refused to remove their mistake even though they admitted no one reported a third lien. Its their mistake, its a fraudulent lien they created and put on my file and refuse to remove. They all need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XXXX XXXX is reporting a debt of {$620.00}. I have no business with XXXX XXXX. They are a third party collection agency that does n't appear to be licensed in the State of Nevada. I am requesting that this negative account be removed from my credit report with all three Collection Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On two separate occasions Bank of America has tried calling to collect a Credit Card Payment for an individual that is known to my mother and I but we are not listed on this individuals Credit Card for any reason and on numbers they should not have access to. The first attempt to collect was made by cell phone to my number on Tuesday, XXXX XXXX, XXXX about XXXX XXXX and I told Bank of America that I had nothing to do what this individuals credit card account and to not contact me any further. Then on Tuesday, XXXX XXXX, XXXX Bank of America called my mother asking about this individual again and my mother who is a Senior told them nothing and hung up. Bank of America then called back later that day and left a message that they were calling from XXXX XXXX XXXX for the individual and left a name and phone number for them to be reached at. I called Bank of America Thursday, XXXX XXXX, XXXX at the number they left on my mothers answering machine and told them that my mother does not have any financial responsibility or ties to this individual and should not be harassed about this individuals credit card and why are they calling her number and how did they get her number as again she has no financial ties to this individual. I gave the Bank of America phone representative my mothers number after she asked me to look up the call in question and when she did she stated that she would remove the number from this individuals account as I told her what was being done was illegal and harassment and that they would be reported for doing so.

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 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Company is illegal hold my flood loss draft insurance checks for my properties. I won the case in XXXX county Supreme Court and Ocwen is harassing me without Federal Truth In debt collection act. Ocwen illegally patern my life for money along with New York State Department of Finance. Hold  funds in escrow without legal reason. Alleged collusion with XXXX insurance for my property damaged claims check.

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 2017-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have been a user of Coinbase.com for many years, mainly buying / investing in cryptocurrency Bitcoin, Ether, and Litecoin. Since week of XXXX/XXXX/XXXX I started selling Bitcoin, of which I had no problems with an initial sale of my weekly limit of {$50000.00}. I processed an additional transaction week of XXXX/XXXX/XXXX of another {$11000.00} sale. 

Starting on Monday XXXX/XXXX/XXXX when trying to process a final sale of about {$10000.00} or XXXX Bitcoin the website ( www.coinbase.com ) began asking me for an ID verification. They required front and back photographs of my US Government issued Driver 's license. I had plenty of my weekly limit of sales available and this was a new requirement from the website ( www.coinbase.com ). 

I attempted several times on XXXX/XXXX/XXXX to upload my ID and each time it failed due to photos not being clear enough. On Tuesday XXXX/XXXX/XXXX I took high resolution digital photos of my ID and attempted to upload to www.coinbase.com. This time the server would " timeout '' after 30 mins of waiting. 

Still unable to sell my final XXXX Bitcoin, I attempted to upload the photos of my ID on XXXX/XXXX/XXXX XXXX times. Then I filed a support ticket with www.coinbase.com. I received nothing but a automated response to this support ticket. 

Still unable to sell my final XXXX Bitcoin, on XXXX/XXXX/XXXX after another 6-8 attempts to upload an ID. I submitted an additional support ticket to www.coinbase.com. I received an automated response as follows : " Thanks for writing in. We understand a large percentage of ID verification requests were not completing successfully. Our team has made improvements to this service today to increase performance. If youre still having trouble completing ID verification, we recommend trying again in 24 hours.

We apologize for any convenience this may be causing. Please check our status page for the latest updates : https : //status.coinbase.com/ Thank you for choosing Coinbase. '' Access to a digital currency that fluctuates 10-20+ % / day can be the difference of thousand of dollars. Or the digital currency could go to {$0.00} and I can not have access to the money in a reasonable period of time.

As I am writing this complaint, www.coinbase.com is down for maintenance claiming " ID Verification not working '' " High Traffic '' " BTC Delays ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc.
State: NC

Complaint narrative:
The posted derogatory credit remark for collection by Stellar Recovery Inc. is the same derogatory remark previously removed. The amount billed {$1400.00} originates from identity theft by XXXX XXXX in California used to open a XXXX XXXX account. I previously resolved and removed this derogatory remark using the CFPB complaint site. It appears that the previously resolved debt was trnsffered to another debt collection company despite the previously substantiated identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I used Moneygram.com online service XXXX to transfer {$2000.00} US dollars to a relative living in XXXX. Moneygram declined my request, which is fine. I was told on XXXX that if money was taken out of my checking account I would receive a a refund within 10 to 15 business days. 

As of XXXX I had not received a refund so I called Moneygram. The Moneygam customer service representative at that time stated that there was nothing Moneygram could do. The representative instructed me to file a complaint with my bank. 

I filed a fraud investigation with my bank on XXXX. 

On XXXX I called Moneygram again and was told that even though the transaction was declined, it was not cancelled, thus the refund was not processed. I was told that I would receive the refund in 10 to 15 days.

My complaint is : 1 ) Moneygram has concerning, sloppy operations. If the transaction was declined, why was not the transaction cancelled immediately to stop the withdrawal from my checking account. Further, despite that gap, the internal process/procedures to review declined accounts and cancel the transaction has no controls causing customers emotional and financial harm.

2 ) if my transaction was declined, why did Moneygram take money out of my checking account in teh first place? When a decline is made, Moneygram should have an automated process to automatically cancel any sort of withdrawal request.

3 ) The time frame for a refund is archaic. I understand it may take a day or two for funds to be electronically transferred from one bank to another. Most transfers I initiate from one bank to anyther takes two, maybe three days. Being that Moneygram already has my funds, the transfer process should not take more than two to three business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a new American Express card. I needed to contact customer service. The customer service phone number is printed in 2.22pt. type. I measured it. Additionally, the first 3 digits are obscured by elements of graphic design. Also, the contrast is very low. I had to dial the number by trial and error. When I explained to the representative I could not read the phone number because of these conditions she suggested I get someone to help me. This would place me in a dependent position, creating a XXXX where there is none. My vision is within normal limits. 
I asked to speak with a supervisor. I asked what accomodations they have in place for people who could not read the number. She said there are none. 

I believe this places American Express out of compliance with the ADA. In addition, the consumer is placed in a position of vulnerability financially by requiring the assistance of a helper with financial management where no bonafide need exists for such help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I recently checked my credit report and noticed Debt Recovery Solutions , LLC reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX I applied for a home-equity line of credit with Huntington bank. They did one hard inquiry on my XXXX score which was expected but the next day XXXX XXXX they did another one I asked the guy why and he said he had no idea why it pulled twice and was not helpful at all with trying to figure out why. then again XXXX XXXX they pulled it again without my permission and they did not tell me that they were going to do that. if I knew that they were going to pull my credit three times I wouldve never gotten the credit line in the first place. The loan officer from Huntington did not seem to care. I called XXXX and they said Huntington needed to send over some form stating that they didnt mean to pull it that many times I told Huntington about it and the loan officer said that he doesnt know what Im talking about and never had to do that before and that hard inquiries arent a big deal. This isnt right and I just want the 2 removed. Like I said one was expected but two additional ones without my permission is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I HAVE BEEN PAYING GMAC WHO CHANGED TO OCWEN MORTGAGE. I ORIGINALLY SIGNED UP FOR A XXXX YEAR XXXX MORTGAGE AT XXXX A MONTH AND NOW MY XXXX  YEARS ARE UP. THEY ARE TELLING ME I HAVE TO PAY XXXX BY XXXX XXXX. I HAVE OAID OVER XXXX IN XXXX YEARS AND MY ORIGINAL LOAN AMOUNT WAS AROUND XXXX. I DO BELIEVE I AM A VICTIM OF PREDATORY LENDING AND IN JEOPARDY OF LOOSING MY HOME. PLEASE HELP ME KEEP FROM LOOSING MY HOME AS IT SEEMS I AM ANOTHER VICTIM OF BAD LENDING PRACTICES. PLEASE CALL ME XXXX XXXX XXXX OR CALL MY DAUGHTER XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
After checking my credit report I noticed National Credit Adjusters , LLC is reporting a negative account. This is not my account and is fraudulently being reported to my credit report. I immediately called them and talked to a XXXX who claimed that they account was sold to XXXX XXXX XXXX XXXX XXXX but the problem is National Credit Adjusters , LLC are the ones reporting this negative mark to the Credit Bureaus. XXXX then told me that her XXXX XXXX will look at this account and delete it as it should n't of been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

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 2017-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

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 2017-12-07 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: CITIBANK, N.A.
State: DE

Complaint narrative:
For the past 8 months since XXXX 2017 I have been writing and sending certified letters to Citi Bank credit card services in regards to an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company. The Citi Bank account in question XXXX, the whole account number is n't reported as well. 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