vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
Ive been dealing with this company called Keith D Weiner and Associates about a debt owed from the city of XXXX about taxes. It started in XX/XX/XXXX when I agreed to make monthly payments to this debt. I ran into some financial troubles and was unable to pay on some of the months. The company tried to garnish my wages quite a few times and we unsuccessful due to me making not enough money. So in XX/XX/XXXXI got a letter in the mail regarding another garnishment and I immediately called the company to ask why. The call was answered by one of their employees by the name of XXXX XXXX XXXX, I told her the reason I was calling was in regards to the letter of garnishment and she told me I didn't make a payment in a long time and I told her that I kept sending in money orders which were returned to me with no explanation why it was returned. She told me that this debt was over 4 years old and that I should be making every attempt to pay this off. Well I then stated that I don't make enough money and she said well you have 3 jobs and I should be able to. She then said that if I were you I would feel embarrassed that I cant pay my city taxes because she is a tax payer herself. I told her that the last communication I seen was they tried to garnish wages at a place I was no longer employed at and her response was that she cant help it I change jobs all the time. She hung up on me and I recalled and wanted to speak with a supervisor. He answered and never apologized for her rude behavior but told me to send in whatever I could do ... .. I feel that her behavior clearly violates the fair debt collection act. I would like her to either apologize to me or I will take further legal actions against her and the the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to GE Capital on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.

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 2018-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am trying to obtain my XXXX  int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX  int documents. The contact phone number states that they are unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I held $ XXXXusd with Coinbase.com I made a withdraw request to have the money deposited into my checking account via XXXX on XX/XX/XXXX the transaction showed " complete '' I never received my money from coinbase. I have made 7 attempts to contact coinbase and they have provided me with no answers. 

I have now read hundreds of complaints of customers dealing with this issue. 

I feel like there is some serious fraud according with coinbase.com I have Case ID : XXXX from coinbase

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

Complaint narrative:
Mr. Cooper is refusing to give me a copy of my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/2018 this account has been removed from my XXXX credit report as unverified but it still remains on my Experian report. After another dispute this account Still Remains I tried to explain to the representative at Experian that this account does not belong there and it has been removed from XXXX. The representative advise me to dispute it again which I already did twice to no avail.

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 2018-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
One XX/XX/XXXX I completed a refi process with DITECH. Ditech created the deed of trust document with a recording # of XXXX. Now come XX/XX/XXXX I qualified for a revitialization program with the City of XXXX and upon closing, they needed the deed of trust, come to find out the deed of trust was never filed correctly from Ditech. I have been working with Ditech since last XX/XX/XXXX to get this issue fixed. As of the date of the complaint it has NOT been fixed yet and I now stand to loose the XXXX loan I qualified for to fix my house since the deed of trust is not recorded, nor is there a proper lien for Ditech. The City of XXXX can not move forward with all the work until this is fixed and I had contractors ready to work now I can't because of Ditech not fixing this deed of trust issue ... .please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 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: VT

Complaint narrative:
Experian Dispute was opened on XX/XX/XXXX with claims of inaccurate information on account credit report under XXXX XXXX XXXX. The original account, which was sold to XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX contacted the account holder and the account was settled on XX/XX/XXXX. XXXX XXXX XXXX did not properly report to XXXX XXXX XXXX and/or the Credit Bureau Reporting Agencies that the account was taken over by XXXX XXXX XXXX and settled with the customer XX/XX/XXXX. 

The results from XXXX XXXX through the Experian dispute came back with results allowing XXXX XXXX to add a " FAILED TO PAY '' mark on the XX/XX/XXXX month of the XXXX XXXX Experian account that was closed on XX/XX/XXXX and settled by XXXX XXXX XX/XX/XXXX. 

FALSE REPORTING A dispute against the result from Experian, came back with no results. Report number XXXX. 
A complaint was submitted to CFPB against both XXXX XXXX and XXXX XXXX. Complaint ID XXXX. 

CFPB Complaint ID # XXXX resulted with no results from XXXX XXXX and a letter from XXXX XXXX stating that they reported to all three agengies to remove the collection tradeline for the consumers account number associated with XXXX XXXX. Please review all documents that have been uploaded with this dispute.

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 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I keep receiving calls from this number at my place of employment. They never answer and they just hang up. I don't even know who they are trying to reach. When I dial the number back a woman answers the phone with rapid fire speech so I can't understand what she says and when I start to tell her why I am calling she hangs up on me. 

I found them online by XXXX the phone number XXXX http : //www.receivablesperformance.comXXXXXXXX Mailing Address Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I made a settlement offer with Receivables Performance Management ( RPM ), a collection agency for XXXX XXXX. The settlement was made in XX/XX/XXXX and accepted by RPM, all payments were made in accordance with the settlement agreement. Today, XX/XX/XXXX RPM is stating I still owe the original balance. I have a hard copy of the settlement that was printed from their WEB site that clearly shows the settlement was agreed to and that all payments were made. 

I called RPM and explained this to them and they said they have no such agreement with me. Please help in resolving this matter with RPM. I can provide all the evidence you need to show that they agreed to this settlement and I made all payments according to the agreement.

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 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX called me on XX/XX/18 and XX/XX/18 *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/18 ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXXs continues to call and I have two voicemail messages from them on XX/XX/18 lasting 20 seconds and on XX/XX/18 lasting 31 seconds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
A fraudulent collections report is on my credit report from Diversified Consultants for XXXX. I called XXXX and they confirmed I have never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted Wells Fargo Home Mortgage 's Servicing Division today to learn how I can remove the PMI from my loan, which costs me appx. {$1100.00} per year or $ XXXX/month. 

What I learnt from them is that, in order for me to remove PMI from my loan, there would have to be 65 % Loan to Value ratio on my property. They said that this was part of the deal when the loan was financed by XXXX XXXX back in XX/XX/XXXX. 

This is not correct! My loan is a 30 yr fixed rate CONVENTIONAL LOAN.

The Federal Trade Commission and the Federal Housing Protection Act ( HPA ) states that PMI must be automatically cancelled once the loan balance reaches 22 percent equity ( meaning 78 % LTV ). This rule applies to all mortgage loans signed on or after XX/XX/XXXX. 

Wells Fargo has escalated the matter to their dispute resolution department however I am not sure what they will come back with.

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 2018-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX says that we owe Steinmart which they gave us a GE Retail Bank card number that GE Bank is now XXXX XXXX. XXXX refuses to give proof of debt we had to track that ourselves. All they gave us was steinmart and card number and supposed last date paid which is XX/XX/XXXX conveniently within the 6 yrs for MI it now being XX/XX/XXXX. First they called several times threatening to take us to court. Then they called asking if they could send an email. The first email said we owed around 4000 and with taxes and interest we owed a total of 14000 but that we agreed to settle for 7000. Then they sent emails after they called and threatened us that said we agreed to settle for 4000. (  Approximate numbers ) All of those supposed settlements were lies. We never even shopped at steinmart our credit bureaus have no records and we tried GE Reail Bank/ Synchrony 4 different times even asking them if they would have GE records from 6 yrs ago. Of course they had no record of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX phone # XXXX. Online the people say this is a scam company. We believe so too. Help

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 2018-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a business credit line with XXXX. I had this credit line since the early XXXX 's and terminated the credit line approximately 2005. The card has an annual interest rate of 10.750 ; daily finance rate of .02945 % ; average daily balance of {$12000.00} ; periodic finance charges of {$100.00} ; cash advance 10.750 % ; Daily Finance .02945 % Average Daily balance {$81000.00} ; periodic finance charge XXXX ; total finance charges XXXX ; total periodic finance charge {$800.00}. I pay a total per month of {$1300.00}. With a balance of {$94000.00} at the age of XXXX years, it is impossible to pay off this credit line. I have approached XXXX  for a reduction in charges and finance to pay off this note but the request was denied. I have paid off this note at least three to four time and feel that I am only a cash cow for 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 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX falsely verified information that is reporting on their systems with my information. I have exercised my rights under the FCRA for 100 % variable and 100 % accurate, which they still have failed to provide. They state they made a phone call to verify my information with the XXXX County District Court which is prohibited under the FCRA as 100 % variable and 100 % accurate. I demanded for them to remove the information as I have filed a second dispute under my Federal rights in accordance of the FCRA to them which they should have received by now. XXXX County District court stated to me they do not send verification or gave any information to XXXXXXXX XXXX XXXX. I will exercise my rights for the damages including and up to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: AL

Complaint narrative:
Either XXXX or Sallie Mae calls me 10 to 15 times per day. There's a man named " XXXX '' that keeps calling -- he knows my circumstances but apparently doesn't listen and doesn't want me to eat. The only money I have coming in right now is money from the government. XXXX is trying to take that money and is threatening a freeze on my only account. He's also threatening a freeze on my mother 's accounts. This guys is AWFUL and does not work with you on anything. // || \ ***My son has been fighting XXXX since XX/XX/2016. He's undergone XXXX, has an XXXX XXXX  above his XXXX, requires frequent trips to the hospital for XXXX XXXX, and ***these XXXX XXXX XXXX have not given me a single ounce of sympathy!!! *** If they need pictures, I have pictures! I have video, too! Do they want his XXXX XXXX, too? I'd LOVE to send those to XXXX! To add insult to injury, ***I LOST MY JOB, TOO*** How did XXXX respond ? " That's not my problem ''. You can't make this stuff up, folks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I closed one of 3 Citibank CCs. Subsequently, Citi sent me an offer to open a new card promising XXXX XXXX miles if I used the card to pay {$3000.00} in bills in 3 months. 

I opened the account, used the card to pay {$3000.00} in bills -- far more than that -- and never received the miles. 

After raising the issue Citi claimed that I should have noticed the small print stating that I would not receive the points if I had closed a card or opened a card within 2 years. Of course, they knew that I had done that before they made the offer. They have my contact information but made the offer anyway. 

Legally, this is fraud in the inducement. The elements are 1 ) a promise is made, 2 ) the plaintiff acts to his detriment on reliance on the promise and 3 ) the plaintiff is damaged. 

If they had been truthful I would have use the Citibank XXXX card and received benefits. 

I lost the promised benefit of XXXX miles and also lost the benefit of using the XXXX card instead. 

They owe me XXXX miles.

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