vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.

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 2018-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech put me late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have not been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX, I was laid off from my employer, and after that I developed XXXX XXXX in XXXX. Unfortunately, I was only collecting unemployment, only {$1800.00}, which was a third of my original salary. I was not able to qua! ify for any XXXX assistance. So I got behind in my mortgage payments. So I worked with Select Portfolio directly, to process a mortgage modification with an attorney named XXXX XXXX, because after I tried to do myself, they kept stating that my package was incomplete, missing documents I sent, resent, faxed and emailed directly. Each time, they state that the modification was denied due to incomplete submittal. I went through this process 12 times, re submitting and getting the same excuse for denial. Finally, my attorney says he can not help me. So that 's when I hired another legal advisor, XXXX XXXX. I worked several years on a work out option, I even tried to pay the past due amount to re instate my mortgage. They refused me to make any payments, and will not accept any at this time. Even when I went back to work, they still denied a loan modification. All in all, it was a terrible experience, I was offered to try to modify, and 12 times, they lied, and misplaced my documents, and very rude people to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a request of validation letter to collector company Grant & Weber. On XX/XX/XXXX I received a letter with a generic list of itemized charges listed but no actual contractual document with my signature of authorization to collect debt or any obligation to this debt. They have failed to validate this debt and therefore I am asking that this debt be removed from my XXXX and XXXX credit reports because it is causing major derogatory marks on my credit report and causing me major life financial challenges because of it.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried disputing these Items through XXXX and Trans Union and they still wo n't remove or update.

.Creditor Acct. # Standing Status XXXX XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX- Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full Trans Union removed all except 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 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
I called last year inXX/XX/XXXX to request an Income Based repayment plan. I was paying {$590.00} per month. I was approved and my new payment which was due in XXXX was {$700.00}. I asked XXXX XXXX why they changed my payment to a higher amount without notifying me. Obviously the main reason to request an IBR payment plan is to lower your payment. They did n't have an answer for me. 
I called and told XXXX XXXX that I could n't afford that payment. I was assured that I would not have to pay it because they would extend a forbearance for the month of XXXX and I could just pay the new lower payment in XXXX of {$490.00}. Well, now my loan is delinquent because the forbearance was never applied. Instead of them contacting me via email or phone to let me know that they could not apply the forbearance, they just left it delinquent. Now it is more than 20 days late. I have already submitted my payment for XXXX but, I do n't know what I will do about the past due amount. At no point has XXXX XXXX shown any concern for my situation. I only need one month to bring my account current. I have never been late or past due before. I am very concerned about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX  took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a bank wire executed by XXXX XXXX XXXX XXXX. The Beneficiary Bank  is the XXXX XXXX XXXX. The beneficiary is Coinbase , Inc . The amount of the wire is XXXX dollars. On XX/XX/XXXX I received an email from Coinbase that my bank wire to Coinbase was rejected due to a mismatch in names. The email also specified that I was to receive a reverse bank wire within 7 business days, yet I have n't received the wire back to my account and it has been over a month now. It 's very disappointing that XX/XX/XXXX /Coinbase would take such a long time processing the reverse bank wire especially when the money is tide up and unable to be utilize. My Coinbase/XX/XX/XXXX account is XXXX. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, XXXX and TransUnion ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and TransUnion on XX/XX/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 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I 've had an account on Coinbase / XXXX for about a year now. 83 days ago, they restricted access to my account. Locking in it XXXX Litecoin ( cryptocurrency ). 

I submitted a help ticket to Coinbase and XXXX immediately after receiving the notice. Its now been almost 3 months of back and forth emails ( mostly automated responses ), without any ability to tell me why my account is restricted. Responses can take typically more than a week to receive from them. It has been 2 weeks since the last response. I 'm not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal allowed XXXX to withdrew my funds which I did n't authorize. I never received item back and PayPal just took my money fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please call me about Wells Fargo calling student loans student loans and then accruing interest during the forbearance period, then popping an amount on the poor student as double what they borrowed when the forbearance is up and also reporting the amount on the co-signer when the loan is still in good standing. i.e. the loan was NOT a student loan, they accrued interest from the first day all through while the student was in school, Our XXXX loan became close to XXXX when forbearance was up. We did not know that, they did n't make it clear and they " called it '' a student loan back in XXXX right after the XXXX and congress foolishly handed the reins to banks on student loans and destroyed countless student loan companies. These were supposedly federally insured loans and were advertised as such, at least that is what we thought we were getting. Wells Fargo took advantage of them and XXXX of these loans are getting called now as students get out of school and are finding out they owe twice or 3 times what they borrowed. Disgusting, disgusting, nasty practice and XXXX XXXX should pay for their greed,

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 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Hello, There is a problem with my loans. They are inaccurate, and there are promissary notes that have note been signed by me personally. There needs to be a full investigation regarding this matter. This also includes, XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
In 2017 we fell behind on our mortgage due to unexpected expenses and a slight reduction in income. We tried to get caught up and began making regular monthly payments of {$1400.00} ( almost {$150.00} extra each month ) in XX/XX/XXXX through our online bill payment through XXXX. We were 3 payments behind, but almost had enough in the unapplied ( XXXX ) to make up 1 full mortgage payment, then we would be under 90 days. I even spoke to customer service in XX/XX/XXXX and they explained as long as we did not go more than 90 days that was fine. We made our XX/XX/XXXX payment which would have brought us current for XX/XX/XXXX, but LoanCare returned this payment and told me they would only accept a full 3 months to get caught up! I was almost there now they do this!

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX reported to all three credit bureaus ( Equifax, XXXX and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XXXX, Equifax on XXXX and XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, Experian and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to Experian on XXXX, XXXX on XXXX and XXXX on 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 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
called to pay my heat bill and was demanded balance in full, after i asked for a payment arrangement i was told that each payment fee was {$11.00} so i asked to mail in payments even offered to send 3 postdated checks for duration of payment arrangement and i was told that if i sent in payments via check that they would report negatively on my credit, like whats the difference? i called back 3 times and one rep was more rude than the last. i asked for a supervisor three time and was transferred to the same voicemail. i am so upset that i want to pay my bill and cant

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been forced to call Capital One Bank concerning my Capital One Quicksilver card on eight ( 8 ) different occasions due to the fact that their computer system will not allow me access to my account. I am unable to retrieve my balance, pay my bill or otherwise access my account. I have been subjected to a multitude of representatives, all of whom gave me a different story as to why I could not access my account. Over a period of eighteen days, these eight calls have averaged two ( 2 ) hours per call, and on every call I had to start at ground zero, as my previous calls were not properly documented. 
On my last call, I spent 2 hours and 45 minutes being given conflicting stories as to why Capital One could n't straighten out the problem. In order of the calls, on X/XX/18 I spoke to : 1. XXXX ID # XXXX, 2,  XXXX ID # XXXX, XXXX ID # XXXX. Finally, I became so frustrated with the completely different stories I was being told that I threatened to bring the matter to the attention of this agency, the FDIC, my lawyers and the press, at which point they refused to help me further, and shuttled me to yet another department which refused to speak to me if the call was recorded for accuracy. As of the date of this complaint, NOTHING has been resolved. I have no recourse but to elevate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We have previously contacted Experian concerning inaccurate information that we see is still on my report, I have requested several times that all inaccurate information be removed, XXXX seems to think that they are above the law and can continue in their false reporting activities. 
I have noticed that they are reporting false addresses that are not correct and need to be removed, my REAL address which is XXXX XXXX XXXX XXXX XXXX, TX XXXX everything else along these lines needs to be removed because they are not accurate. 
CFPB please fine XXXX for non compliance should they continue in their non sense reporting.

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 2018-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: VA

Complaint narrative:
I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: North State Acceptance, LLC
State: NC

Complaint narrative:
Contacted North State Acceptance XXXX on XX/XX/XXXX @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX was charged to the XXXX XXXX XXXX store credited card on XX/XX/XXXX for an online order at XXXX XXXX XXXX. The order was never delivered and I called back to XXXX XXXX XXXX. And XXXX XXXX XXXX said the refund will be issued within 2-3 business days. That was XX/XX/XXXX. I also called on XX/XX/XXXX to the customer service at XXXX XXXX XXXX credit card for a dispute. I have not seen a refund or hear anything from XXXX XXXX XXXX credit card back about the disputes. I feel XXXX XXXX XXXX scammed me with the credit card company, and I would never get back the {$1700.00} back!

Company response to consumer: Closed with monetary relief