vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp.
State: OH

Complaint narrative:
S enex Services replied to your company with false information. Validation was not performed. They never produced anything with a signature by me nor a contract! In fact they violated my HIPpa rights and I demand that they remove this from ALL CREFIT REPORTING AGENCIES. I PROVIDED WHAT THEY SENT AND NOWHERE IS MY SIGNATURE OR ANYTHING THAT VALIDATES THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: EdFinancial Services
State: ID

Complaint narrative:
The " do not advance due date '' tab on there website doesn't work. All of my loans had been paid ahead to XX/XX/XXXX. I called in XX/XX/XXXX and asked that only my loan G have the due date be moved to XX/XX/XXXX. I was told by the agent it would be changed and he noted the account. I told him not to move any of the other loans due dates at all or dont move any loans due dates.They moved all of my loans due date to XX/XX/XXXX. I feel like they do not want me to pay off my loan with High interest rates and do everything they can to pay off the lower loan first. I have been fighting with them for the past few months trying to find a away to pay more on the loan G with a 6.5 % rate. With is the highest amount loan and the highest due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Credit Card companies have started charging XXXX XXXX fees for the purchase of XXXX. Which is treated as a material item by the U.S. Government. So how can they legally charge the consumer as a XXXX XXXX? When it is not? So i'm being forced to pay the 5 % + the immediate interest rates of a XXXX XXXX as well as the Reseller XXXX is also being charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Account Number XXXX, amount of student loans totaling XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Navient misallocated my payments, steered me ; a struggling borrower toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Also credit scored dropped 46 points with XXXX  due to reporting from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On several occasions, I executed regular market orders with associated " taker '' fees, as advertised on XXXX XXXX XXXX ( and on supporting screenshot ). The fee stated for the smallest volume tier ( which I fall into ) is 0.25 %, however the actual fees charged are consistently 0.3 % ( see supporting screenshot and XXXX for example transactions ). I have re-computed these fees myself over several different transactions ( from XXXX extracts provided by XXXX/Coinbase ) and the problem seems to exist on both buy and sell sides of the transactions, unfairly charging greater-than-expected fees. 

These aren't rounding errors, they're very clearly fee overcharges ( which is likely not malicious, but is depriving investors of expected monies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a refinance loan and my rate was locked in at XXXX. Quicken loans let my payoff for my California first loan expire and did not realize this until my loan was sent for closing. At this point it was XX/XX/XXXX and my California first payoff had expired on XX/XX/XXXX. This now meant that all my numbers had to be recalculated as well as I had to order a new payoff from California first. I then had to make a XX/XX/XXXX payment on my existing mortgage loan, which was now late because we did not close on the date that I was told. ( XX/XX/XXXX ) At this time I was advised that my interest rate was going to expire and I was given a 15 day extension. ( XX/XX/XXXX ) I was then called on XX/XX/XXXX and told that my interest rate was expired again and at this time the interest rate had gone up. I could no longer receive my promised interest rate of XXXX unless I brought more money to close. I was now forced into a rate of XXXX because of being unable to bring extra cash to closing. Quicken loans has dropped the ball on my loan numerous times over the past two months. I have provided them with every document that they have requested, promptly and have kept in contact with many different individuals though this horrible process. It seems as if every time a mistake has been made on my loan, I am than passed off to a new person for contact. I have tried reaching out to the company in regards to all of the unfortunate events but no good has come from any of my calls or emails. I started my loan process around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I've deposited {$2000.00} into an account on Coinbase. Two weeks ago I was logging into my account and I wasn't able to log in. I submitted a service ticket. Since then I've submitted close to 50 emails, blog posts and made multiple phone calls. The only thing I've received from them are automated email messages and their phone representatives tell me that the issue has been escalated. I have no visibility to my funds and can not remove them from the market. I've spent countless hours trying to find a way to get their attention only to find thousands of more people that are having similar issues. Coinbase took my money and has charged me plenty fees and now are keeping from my funds. People need to know about this before they invest their hard earned money. The emotional toll that this has taken on me has been severe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Good evening. 

I purchased a vehicle in XXXX of 2015. The finance company is Credit Acceptance Corporation. 

The original price of the vehicle was {$6400.00}. I put down {$3000.00} After providing my downpayment, as I went to sign my finance papers, I was informed that XXXX adds an extra {$2000.00} onto the price of the vehicle for their " lending service fee ''. Then, on top of that, since it made the loan more than what the vehicle is worth ... I was required to pay them a MANDATORY GAP insurance payment that was included in my monthly payment. 

Now, I understand that a higher finance rate is acceptable when starting over to rebuild your credit. But I have since found out that XXXX has been sued and found guilty in many states due to their " lending fee '' as it is considered predatory lending. Not to mention, GAP insurance is voluntary. I would not have even needed it if not for their {$2000.00} " lending fee ''.

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 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I sent an email to the head of Capital One requesting a Goodwill Adjustment tothe negative marks on my credit report in reference to my auto loan. In spite of being charged nearly double for my car after financing by Capital One, I was a favorable customer for the first two years of my loan, paying my bill on time or early, up until the time I fell on financial hardships in XX/XX/XXXX due to being laid off. As a matter of fact, although laid off in XX/XX/XXXX, I continued to keep my Auto loan a  priority and it remained current until XX/XX/XXXX when my savings ran out. 

After my lay off, I ended up incurring roughly 14 months of negative payment history. However, once I regained employment and was able to again reorganize and build up my finances, I also caught up my Capital One Auto Loan and have kept it in good standing. 

I included all of this information in my request to Capital One, and was notified via phone, last week, and via mail, today XX/XX/XXXX that my request to remove the negative marks as a show of goodwill was denied. I was also given no reason. 
I explained to Capital One that I am attempting to purchase my first home, and that these derogatory marks from the period when I was experiencing financial hardship are the strongest factor in preventing me from getting a good interest rate on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Selene Finance LP
State: NC

Complaint narrative:
On XX/XX/XXXX I filed a complaint with CFPB against my mortgage company Selene Finance for incorrectly reporting to the credit bureaus that I was 30 days delinquent on my XX/XX/XXXX payment, 60 days delinquent on my XX/XX/XXXX payment and 30 days delinquent on my XX/XX/XXXX payment. After filing this complaint with CFPB they contacted my mortgage linder for them to investigate my complaint ( which they would not have done had it not been for CFPB ). I have never been late on my mortgage payment and was not late when I entered into an informal Repayment Plan for three months to avoid being delinquent due to XXXX and being out of work. Selene Finance discovered they made an error and they confirmed that they incorrectly reported this information to the credit bureau. I received a letter of apology from Selene Finance with a promise to correct their mistake and have the credit bureaus to remove these delinquent payments from my credit report but after todays date they have not. Today I called them and was told I was three months behind and I broke the Repayment Agreement. This is not true at all. I made the last payment under this agreement XX/XX/XXXX and and was never late. CFPB Case number XXXX, Account number XXXX. Please assist me in getting this resolved. I will include a copy of the letter they sent me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Fraudulent loans!

Santander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.

Santander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I can not recall years and dates so on because it have been so long ago. 

By the time I had graduated, I could not find any job so I could not repay loans. I asked Navient for advice on this, and they said forbearance was best option. So I used that option for few years. I can not recall how many years exactly. 

That increased the debt and interest quite a lot but it was better than leaving it to enter default. Since I thought it was best way, I also applied same to previous college loans from XXXX. For XXXX, I had used forbearance for maybe 2 years before XXXX advised me on using income based repayment. I was still not employed so bill would be XXXX. But there was no interest and base increase. I eventually ran out of forbearances on Navient and changed it to income based repayment. 

I finally had job so I started paying loans up. I have fully repaid 2 of 4 loans at Navient and zero out 3 in XXXX. It was going okay, till I found out about Navient class suit due to them giving bad advice on forbearance costing people like me bunch of money. 

So at the end I had increased repayment and interest on both sets of loans, due to Navient advice. Note this is not complaint against XXXX, but only Navient due to Navient bad advice affecting both sets of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Product : American express Premier Rewards Gold card Date Opened : XX/XX/XXXX Promotional offer : XXXX Membership Rewards points after {$2000.00} in spending within the first 3 months. 
Date Spending completed : XX/XX/XXXX. 
Online chat with American Express Chat Rep " XXXX '' and " XXXX '' XX/XX/XXXX after points not credited. Confirmed offer was applied to this application and account. Was told investigation would be opened with maximum of 8 weeks for resolution. {$10.00} credit for inconvenience was offered and accepted, however was not credited. 
After 8 weeks, points still not credited. 
Online chat with " XXXX '' and " XXXX '' XX/XX/XXXX. Per this conversation investigation is still ongoing with no date of resolution. {$10.00} credit still not applied. Uses phrases such as " no comment '' and " can not provide further information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am not a capital one bank account holder. I use XXXX XXXX XXXX. I stopped at a capital one bank ATM in XXXX LA to check my balance. I accidentally left my XXXX XXXX ATM card in the capital one ATM. Approx. 20 minutes later I realized I had left it and returned to the capital one bank to retrieve my ATM card. I was told by the branch manager that my card can not be returned to me because they are have no way of knowing why the ATM took the card. I explained that the ATM took the card because I left it in the ATM. I was told I could not have my card back and that it would be destroyed at the close of business. I went to my bank to get a new card and was told it will take 2 weeks to get my new card. I was suppose to leave to go out of the state for work in 2 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Student loan from XXXX was paid off over ten years ago and this account still show on my credit report this account is to old to be on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03 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: LA

Complaint narrative:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

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 2018-02-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

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 2018-02-03 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: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: CITIBANK, N.A.
State: KS

Complaint narrative:
cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

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 2018-02-03 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: KS

Complaint narrative:
cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

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