vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I contacted BBVA Compass Bank regarding my HELOC. I advised that due to several factors ; loss of a job, extended unemployment and closing of a business, I could no longer afford to pay my normal payment. I was able to put 2 payments to the end of my loan and apply for a modification to address ongoing payments. On XX/XX/XXXX I submitted a Borrower Assistance Package and asked for a temporary modification. Over the course of approximately 2 months I provided all additional requested documentation and waited for what I hoped would be a positive outcome. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX that my request for a modification was declined because the underwriter felt I could afford my regular payment. I also confirmed this via telephone conversation. The information provided showed that my average gross monthly income was approximately {$5000.00} and that my estimated expenses were {$5500.00} not including food, utilities and medical expenses. I have seen a lot of loans in my career and this does not equate to anything a lender would approve. My debt-to-income is over 100 % based on these # 's. I do n't believe the underwriter gave my request fair and accurate assessment. Interesting that as part of the declination letter they gave me options to add to my loan balance to increase my payoff later or to increase my monthly payment higher than what I was looking to obtain relief from. In the mortgage business I have seen dozens of borrowers who were in much better financial ( income ) than I am and have obtained for lenders who were interested in helping customers who had a long record of on-time payments. This is the only time in my entire life that I have been faced with this financial crisis. This was not due to financial mismanagement but due to unforeseen life occurrences ( laid off from job, unemployment and failure of a business ). I believe their approach is to deny modifications to build up amounts due on homes that have some equity, knowing they will get more funds later or to keep loans that pay a higher rate to accumulate interest. My rate was already high at 6.25 % and they have now raised the rate on my mortgage to 18 %. My balance has gone from approximately {$97000.00} to almost {$100000.00} in just 3 short months. How can this be legal and how can this be the alternative to a justified modification? I am asking for assistance to mediate this request for a modification and to determine whether their process, increased interest rate and declination was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I did an ACH transfer of {$1000.00} USD to my CoinBase.com account for deposit into my USD wallet there. I followed Coinbase 's instructions and included their reference numbers in the transaction. Additionally, the name and address on the transferring account match the name and address of my coinbase account. On XX/XX/XXXX the monies had still not been deposited to my coinbase wallet although the transfer showed as completed as of XX/XX/XXXX from my XXXX XXXX XXXX statement. On XX/XX/XXXX I made my initial complaint via their online customer service portal. I had tried live phone or chat support however their website indicated that was not available and they steered me to public forums or online web based tickets. I completed a ticket providing my transfer details etc. I received an automated email that same day from coinbase that it would take up to 72 hours to respond. On XX/XX/XXXX I received an automated email from coinbase indicating a high volume of support requests and they wanted me to make a positive response to indicate my complain was still an issue. I did so on XX/XX/XXXX indicate my monies were still no transferred. On XX/XX/XXXX I sent another response to coinbase indicating I would be taking actions to recall the transfer if they did not at least reply to my issue. On morning of XX/XX/XXXX I visited my XXXX XXXX XXXX branch to recall the transfer. The bank indicated it had already been transferred to Coinbase and they could no longer recall the transfer. This afternoon XX/XX/XXXX I initiated this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Today i Went to XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX store # XXXX '' ) on XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX Spoke to customer sales counselor XXXX XXXX, from whom I was asked if I wanted to apply for a store card. I expressed interested and after I completed the purchase, I found out that the " store card '' was in fact a store branded credit card that was issued by SYNCHRONY bank. Synchrony bank, as an issuing bank, shouls be accountable for the actions that these sales people take part in. This is completely unacceptable, trying to mis lead customers into thinking they are getting a perk but in fact they are signing up for 26.99 % APR credit terms.

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 2017-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing concerning my experience with Capital One Bank. Theres concerning marks reporting derogatory in my credit files that I would like to have removed. This account was fraudulently opened in my name. I have contacted this company on several occasions with no return notice of acknowledgement. I received my credit report profile from the 3 major reporting credit agencies today on XX/XX/XXXX. Unfortunately, Im showing a credit card account that was opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I am asking that this be deleted from my credit profile as this account does not belong to me. I have a Police Report, a Federal Trade Commission Identify Theft Report and a screenshot of the listing on my report. Ive made several attempts to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A computer glitch that was TransUnion 's problem - not my problem - it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and that myrights were violated by TransUnion. Can someone help you make TransUnion stop victimizing me and others. I know that this is illegal

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 2017-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.

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 2017-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I deal with Jpmorgan chase with my mortgage company. I am currently and have been in a chapter XXXX bankruptcy for 3 yrs and have some mortgage payments in the bankruptcy. My credit score is finally where I can refinance my house and pay my bancruptcy off. I have been trying to refinance my house for 2 years with a different conpany and no matter how much i do right with chase they have my account say something different. I just recently had a confrence call with a woman to verify my account was on current and when the next payment was due the last step I needed to refinance my house. And chase told her I am 3 months behind and my monthly payment is {$200.00} more a month then what I pay. And that i have sum random money just sitting in my unapplied funds account??? I havent known whats gone on with my account for yrs and i can see in my records that i am paying for things in my bankruptcy twice. Chase refuses to give me any statements, or payment history as they claim that my attorney is the only one who can have access unless he says other wise. However, per my bancruptcy court documents it states my monthly payment amount and that I am to be receiving my statements my history of payments anything I request as if I am a regular customer. But everyone I ask I am refused. So now in order to refinance my house I need to get my payment history to present to the loan company who has pre approved me for a loan that my payments are current and everything is good, and hope that that will work. I am now almost out of my window of being able to refinance because my only income is XXXX and child support and my children are getting older and I am going to start getting turned down because there child support will stop soon. Chase has managed to cause so much stress in my life over this, I 'm trying to help fix my situation but chase ... they are making it worse. I would also like to know why I paid my escrow shortage thru my monthly mortgage payments and have came current on that but the escrow money is also being collected thru my bankruptcy.?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I received a letter from Citi bank ( reference # XXXX ) stating a refund of {$150.00} was credited to my Citi credit card. The date range for the charges on the account regarding Citi Idenity Monitor from XX/XX/XXXX to XX/XX/XXXX. I had an active credit card during that time frame. However I had to file bancruptcy in Federal bancruptcy court in XX/XX/XXXX and debt was disolved in XX/XX/XXXX. I have called the contact phone # listed on the letter plus other numbers given to me by Citi bank associates only to have the letter read to me over the phone. I was also given a website : XXXX XXXX but when I put the letter reference # and my last name the data base did not recognize the information I submitted. I am getting no where with this refund that is due to me. I no longer have an account to credit a refund to and the debt has been disolved. Your agency is listed in this letter stating that Citi made an agreement with your agency to refund certain customers who were charged for a service they were not enrolled in. I fit into that criteria. I hope you can assist me with this problem because I have been getting no where with Citi bank even after I spoke with a supervisor requesting a refund check. I look forward to hearing from you and getting your assistance in this matter Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Experian as of this date, XXXX-17.

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 2017-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.

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 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion had 2 separate glitches that occurred that deleted two inquiries on my credit report and then was re-added to my report once the glitch was discovered. Transunion failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I called Transunion on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX regarding Transunion unlawfully re-adding inquiries to my credit report without prior notification. XXXX, before gathering my information, immediately said that I was not affected. I then asked to speak to a supervisor who could be of better assistance. Ultimately, he refused to delete the inquiries that were unlawfully added to my credit report. The computer glitch was TransUnion 's problem - not mines- which caused my inquiries to be deleted. TransUnion later added the two inquiries back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These two inquiries are from XXXX XXXX dated on XX/XX/XXXX and from XXXX XXXX dated on XX/XX/XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I ask you CFPB to help make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE ASKED 3 TIMES FOR AN INCREASE ON MY CAPITAL ONE CREDIT CARD # XXXX. ALL 3 TIMES WAS TOLD NO > DUE TO LOW BALANCE KEPT ON THE CURRENT LIMIT. I BEEN A LOAN OFFICER FOR OVER 22 YEARS. NEVER IN MY LIFE HEARD > SORRY WE CAN NOT INCREASE YOUR LIMIT DUE TO THE BALANCE YOU USE IS TOO LOW. UNDERWRITER APPS > TRUST ME CREDIT CARD USAGE UNDER 20 % IS A GREAT CREDIT FACTOR WE LOOK AT. LOW RISK AND RATIO LOW % ARE A POSITIVE FACTOR. SO WHAT!!!! IF I WANT A CREDIT CARD FOR $ XXXX OR HAVE A CREDIT CARD FOR $ XXXX AND KEEP OR DO NOT KEEP A BALANCE. PAYMENT HISTORY IN MY SINCE HAVING CREDIT 1995 I HAVE MAINTAIN AND PAID AS AGREED ACROSS THE LINE. SO WHAT IF IN WOULD LIKE TO INCREASE MY LIMITS ON ALL MY LINES AND CREDIT CARDS > IT MINE PERSONAL CREDIT HISTORY THAT I WOULD LIKE TO MAINTAIN AND KEEP UP. I USE THE CAPITAL ONE CARD IN XX/XX/XXXX FOR {$2000.00} AND PAID IT OFF IN 60 DAYS, BUT CAPITAL ONE CREDIT CARD NEVER COMPLAINT ABOUT THE {$40.00} FEE PLUS {$50.00} IN INTEREST THEY MADE IN 60 DAYS RIGHT???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: Credit Collections U.S.A., L.L.C.
State: TX

Complaint narrative:
I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.

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 2017-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: OH

Complaint narrative:
Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.

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