vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!

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 2017-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We paid off our mortgage on XXXX XXXX, 2017 and the loan servicing company, Ocwen, has not yet send the Satisfaction document to our XXXX XXXX County Register of Deeds to comply with state requirements for lien release/satisfaction. It has been over 3 months since we wired the payoff funds. North Carolina has statute 45-36.9 that states ( see attached ) : 45-36.9. Secured creditor to submit satisfaction or release for recording ; liability for failure. ( a ) A secured creditor shall submit for recording a satisfaction of a security instrument within 30 days after the creditor receives full payment or performance of the secured obligation. ( c ) A secured creditor that is required to submit a satisfaction of a security instrument or a release for recording pursuant to this section and does not do so by the end of the period specified in subsection ( a  ) or ( a1 ) of this section is also liable to the landowner for XXXX XXXX dollars ( {$1000.00} ) and any reasonable attorneys ' fees and court costs incurred. We discussed this situation with an Ocwen 'escalation relationship manager ' on XXXX XXXX, 2017. He  checked with the 'lien review department team ' and found a XXXX XXXX, 2017 e-mail stating 'data was missing ', thus preventing completion of the Satisfaction document. He said he would research and reply in 3 to 5 business days. However, we have little confidence that Ocwen will quickly or properly resolve this situation. We do have a XXXX XXXX, 2017 letter from Ocwen stating that they received the payoff funds XXXX XXXX, 2017 and that these funds satisfy the loan in full. The mortgage was originally with XXXX XXXX, who transferred that line of business to Ocwen Loan Servicing - a huge disservice to us - have had several problems dealing with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
My account is # XXXX Credit Counseling Inc in XXXX XXXX FL . The rep managing my account has been " harrasing me '' these past 10 days. I had called back to arrange payment plan but he wasnt available person who took my call was adding other fees that this guy waived because We discussed last week my due amount and payment plan. I had expressed many times to him that I have proof and I am going thru XXXX XXXX XXXX myself and in fact going to another XXXX next week I wont be able to walk for 2.5 months. I also have proof of financial distress as we had a water damage in our house where me and my family of XXXX live. However I had told him I wanted to start paying to not affect my credit I called him back to provide my payment info but the other rep was not aware of all our arrangement for payment. Today I responded to him friendly and nicely. He didnt let me finish talking started using obscene language telling me threathing with about his lawyer saying I am not playing games with him, you know who I am? Do you? Dont bypass my question? I was Like? Who is this guy?. I wanted to inform him my first payment was on the way from my bank account and he didnt care he didnt even let me talk? He kept yelling at me over the phone i said you know what goodbye and I hung up. He is horrible and I need your assistance people like this shouldnt be doing these jobs nasty low educated people. I am just sick in pain these days and I still can be a nicer person than him. I ask for your help but I am also looking into getting counseling from the general attorney. This guy wont stop calling me. I thought I would call rhe manager directly but this guys is always answering. I had been a collector myself while in college and still able to get my commision without acting or being an XXXX with people.

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 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In the fall of XXXX I purchased a laptop computer on XXXX. I wished to finance the purchase so I completed a credit card application offered from Synchrony Bank exclusive to the site. However, upon completion of the application, I was not issued a high enough credit line to purchase the computer and the purchase failed. I then paid with a separate card in full and the product was shipped to me. Regardless of using my other card to purchase the product, Synchrony Bank still issued the card and then charged a {$150.00} to that card for no reason that I could discern. I did not authorize the charge and the card was never used by me subsequently. Sychrony Bank then proceeded to issue statements with that amount charged to me and began charging interest on it when I did not pay. Not only was the purpose of opening the card frustrated by the low credit line issued to me, Sychrony Bank then fraudulently charged the card without my authorization. After non-payment on my end, Sychrony Bank has no sold my account to a debt collection agency for non-payment with a balance of {$380.00} ( up from the initial fraudulent charge of {$150.00} ). I  have filed a fraud claim with the collection agency, but I am worried that this debt will be re-sold to others and will negatively affect my credit score for years to come.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC
State: AL

Complaint narrative:
I was using XXXX XXXX to attain a loan. XXXX XXXX was very easy to use. I selected a low interest personal loan from XXXX XXXX and started the process via the internet. The very moment I selected the loan I wanted Lending Point LLC out of Georgia contacted me via email and phone within minutes of me selecting XXXX XXXX. I was convinced by Lending Point that they were my lender. So I began the process with Lending Point thinking they were my lender. I had simultaneously filling out all my information with XXXX XXXX to complete that loan process. Since Lending Point LLC was contacting me directly I thought they were my only lender at the time. Once the loan was finalized with Lending Point LLC I noticed they never revealed the interest rate that I was getting. On the final paperwork I see that the interest rate was 31 % and XXXX XXXX was saying I could attain a loan between 10-12 %. At the time I needed the money so I signed the paperwork with Lending Point LLC. When I signed that paperwork XXXX XXXX sent me a confirmation email saying they had confirmed the loan I selected and the money would be on its way 3-5 business days. It did not occur to me that I had completed two loans. XXXX XXXX was my original choice and their interest rate was around 11 %. XXXX XXXX is the lender I wanted to begin with. Lending Point deceived me and I want them to know their strategy is evil. I am sending this because people at times need money and they are vulnerable to these evil Lending Point tactics. After the 3-5 business days my bank account has two credits. One from XXXX XXXX and one from Lending Point. I only wanted XXXX XXXX low interest rate offer. Lending Point pushed me to get theirs.

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 2017-07-20 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: TX

Complaint narrative:
There are re-added hard credit inquiries on my TransUnion account that were previously deleted and added back again to my account again. I 'm requesting that these be permanently deleted per my legal rights have been adversely affected. I will be following up in 30 days.

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 2017-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have disputed my charges 3 times with Capital one on charges for XXXX XXXX XXXX that is a non existing event. I spent {$1600.00}. This event was promoted that it would be held at XXXX XXXX 's XXXX. XXXX XXXX granddaughter was one of the huge promoters for it. We were excited to plan our vacation and we were looking forward to it. Then the announcement was made that the event was NOT going to take place at XXXX XXXX XXXX XXXX. This was devastating news to us, as we were saving and planning our vacations days to attend the ranch. We found out it was canceled due to the XXXX XXXX XXXX owner not meeting his financial obligation. This is when we first disputed our charges due to the event cancelling and there was not a second location announced. Capital One refunded our money then took it back since there was a second venue announced. The 2nd venue was XXXX XXXX In XXXX that was not approved. They then had a 3rd venue was announced then cancelled due to not meeting state requirement. As of today there is not a venue for XXXX XXXX XXXX. Capital one said we disputed too soon and now it is too late. We should not pay for an event ( vacation ) that we planned that is non existing.Capital One has approved refunds to other customers. They asked me to get a claim number and name and that would help my case. I provide that in all the documentation they requested to help my case but still no refund. This event was a scam that has been on the news and well as BBB has confirmed it. I am asking for Capital One to do the right thing and refund our money. I trusted in my credit card company to protect me from fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: TX

Complaint narrative:
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XXXX XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XX/XX/XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents  with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a XXXX XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just XXXX XXXX XXXX. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XXXX XXXX, XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
Transferred funds from my vault ( XXXXXXXXXXXX ) to my XXXX wallet but cancelled the transaction within 4 minutes. It has been 6 days and still no approval on the transaction. Asked coinbase.com customer support to fix the problem they responded with a stock response : Coinbase Support XXXX XXXX 2017 XXXX Im very sorry for any trouble with this. Im afraid transactions can not be cancelled once the bank transfer process has started as this is an external process. For future reference, for some payment methods there is a 5 minute window that exists after you place your order during which you can cancel a transfer. You can do so by clicking on the transaction from your history page here : https : //www.coinbase.com/transfers Once your transfer completes, you could immediately place a sell order to have your funds returned to your bank account. Your funds would arrive back in your account within 1-2 business days. The sell menu can be found at : https : //www.coinbase.com/trade Please note that the expected arrival date of your funds is given on the Confirmation dialog prior to placing the order. You would also have received an email confirming this information when you confirmed the order. Again, we apologize for the trouble. If you have any further questions or concerns please let us know and we would be happy to assist you. XXXX XXXX Withdrew funds to XXXX Wallet Waiting for approval XXXX XXXX {$1200.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Investigation took more than 30 days
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I received a letter from Georgia Student Finance Authority. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding Georgia Student Finance Authority. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way

Company response to consumer: Untimely response
Consumer complaint received 2017-07-20 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: TX

Complaint narrative:
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

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 2017-07-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also wells Fargo and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

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 2017-07-20 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: FL

Complaint narrative:
I had initiated a wire transfer on XXXX XXXX, 2017, and when the funds were promised on the same of payment, they were not credited to my account on XXXX, a Coinbase trading platform for ecurrency. The wire transfer had completed, as I received confirmation from my bank account, however, the funds are not there for trading, or even viewing. This is fraud.

Company response to consumer: Closed with explanation