vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2018, I received a call from Carrington Mortgage informing me that my payment for XX/XX/XXXX was not able to be processed. Upon further investigation, it was determined that the payment was not able to be processed because when I entered my baking account information, I accidentally transposed a number. I informed the representative that I was able to make the payment. She informed me that there would be a {$20.00} charge for taking the payment over the phone. I asked her if that fee could be waived and she said that she would have to speak with a supervisor and she put me on hold. When she came back to the line she stated that the supervisor was not willing to wave the fee. I then asked if I could speak to a supervisor. She put me on hold and when she came back to the line she said that she had XXXX ( # XXXX ) on the line. I explained to him that I realized that this was my mistake but asked if he could wave the fee anyway along with the late fee for XX/XX/XXXX. He stated to me that Carrington never reverse fees unless they made the mistake. At this time, I just decided to go ahead and make the payment. XXXX told me that I could not just make my regular payment, I now had to include the late fee. I told him that I only wanted to make my regular payment. He again told me that he would not take my payment unless I included the late fee. I then asked him to let me speak to another supervisor and he refused. I then asked him to transfer me back to customer service so that I could make my payment and he said that my payment would not be accepted. He then told me to have a good day and hung up. I then called back to customer service and I was able to make my regular payment and was given a confirmation number. Also, during the call with the first customer representative I was informed that I had additional fees assessed to my account that I had no knowledge of with the exception of the late fees. The fees are as follows : Property Inspection fees {$100.00}, Late Fees {$370.00}, Appraisal Fee {$440.00} and a Broker Opinion Fee {$400.00}. At one point I had decided to do a " short sale '' but changed my mind. I canceled the sale before the appraisal could be done so I just do n't understand how I could be charged an appraisal fee along with a broker opinion fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with Equifax this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I sold XXXX Litecoin valued at {$230.00}. The money supposed to be transferred into my XX/XX/XXXXk account and nothing has gone through yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Contacted the company on several occasions company did not respond back told me I had to send in a letter to the CEO twice regarding the initial letter and then letting them know that I did n't receive a response 2 weeks after the initial letter was sent out XXXX XXXX 2017 and I sent out another letter 2 weeks after then I received a letter stating that they would not do a courtesy removal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX i spoke with XXXX at the Office of the President for Santander Consumer with regards to my car loan. On this call, he stated that the payment ( s ) for both XX/XX/XXXX and XX/XX/XXXX were to be deferred, yet they reported them as late to the credit bureau. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a Secured XXXX card that I loaded {$500.00} on in XXXX 2015. I was trying to boost my credit score so I used it and always paid on time. My score went up a little but not much so I closed it last month and got my money back. But now, since I closed the account, my credit score dropped 29 points! This is just wrong! For closing an account I get penalized! The whole credit reporting system is designed to keep us down. This is an attack on hard working citizens and this is not fair no matter how you look at 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 2018-01-08 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: CT

Complaint narrative:
I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission

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 2018-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: CO

Complaint narrative:
I mistakenly provided the Routing Number used for Wire Transfers with my bank. I called XXXX XXXX to try and obtain simple answers. I spoke with a gentleman named XXXX that stated he was the most Senior Customer Service Rep within the Agency. He was extremely insulting and rude. He continually stated he was sorry for hurting my feelings. He then continued to repeatedly insult me over the phone when trying to answer simple questions. He stated that after my funds were returned to them i would no longer have a loan. This is troubling because i was approved for this loan. I was under the assumption that a decline was an adverse action i would need to be notified of. He continuously insulted and rudely answered the question with. I wo n't tell you anything else until Wednesday. I can tell you the loan is not yours anymore was stated after going back and forth with simple questions. I was unaware that XXXX had the ability to take away a loan I 've been approved for over my questions. This company also does not even require representatives state their name when answering calls. I had to prod and continuously ask XXXX for his name. XXXX XXXX was unable to provide a confirmation number for the now supposedly declined loan i was approved and signed loan documents for. 

He also continued to refuse to answer questions about company policy and refused to help highlight where within my loan documents it states that if the loan is returned i can no longer have the loan. He was also unable to tell me if i will need to re apply for the loan by resubmitting my application for decision? 
I was also told that applying for the loan would require an inquiry on my credit, but XXXX stated that my credit was never pulled in the process of applying for the loan. That 's very concerning as I would hope a Financial Institutions most senior employee could highlight and answer my simple questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: CT

Complaint narrative:
I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: CT

Complaint narrative:
I have a bunch of hard hits on my credit that I have no clue How they got there or gave permission

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 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I have received a letter claiming that I owe a debt to : CARTER-YOUNG, INC/XXXX Since this is in error and I have not knowledge of this debt, I requested the following proof as they are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 

A. The original application or contract. 
B. Any and all statements allegedly related to this debt. 
C. Any and all signed receipts. 
D. Any and all cancelled checks. 

This company have fail to provided me with these proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX : Placed a call to my husband and shared personal information about debt acquired before my marriage XX/XX/XXXX : called me threatening to sue for debt established in XXXX, in Nevada with Statue of Limitations of 4 years. I kindly explained that they can not sue me for debt that old and that the debt has been resolved 5 years ago. asked not to contact me again. 
XX/XX/XXXX : Called again claiming that lawyers filed a motion to revive a debt and threatened that I will be served at my place of employment if not resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America started charging me monthly fees for a money market savings which used to be called keep the chang savings. Bank would transfer the change from checking as a savings method. They change the account set up to this type of account and then requiring their customers to keep a minimal balance. I called to get the fees waived for the last two months when they started charging but bank wouldnt waive it. I closed the account since I have other bank accounts with the bank and dont want to incur fees. I had this account for a very long time and Ive been with bank for many years. They could of waive the fees as a courtesy since Im closing the account and they wont have to maintain this account anymore. Total fees {$24.00} for 2 months since they started. They couldve just transfer the balance to my remaining accounts and notify me they will be closing account instead of charging me maintenance fees.

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 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I received a certified letter dated XXXX/XXXX/XXXX asking us to {$3200.00} by XXXX/XXXX/XXXX. I phoned Ditech because the amount showing du online was a different amount. When I phoned in spoke with a representative named XXXX that informed me to disregard the letter and pay the amount showing due on line for I believe {$2200.00}. I paid the amount due on line. and discarded the letter as advised. He states that by paying this amount would catch my loan up and everything would be fine. I then received a letter dated XXXX/XXXX/XXXX stating that I did not pay the full {$32000.00} by the due date and necessary action would be taken. I received this letter on Saturday Saturday XXXX XXXX. First thing Monday morning I phone ditech to inform them that I received this letter and am not sure because I paid the amount advised by ditech. The representative that I spoke with fist was XXXX XXXX Collector Id XXXX. I read the letter to her that I received on XXXX XXXX, XXXX and she states to disregard that letter. My account is fine and is not going to be forclosed upon. I wanted to make sure so I phone back a second time an read the letter to another Ditech representative and she stated the same. to please disregard that letter. It was automatically geterated from their system and that I should discard it. My loan is fine and is not going into forclosure. I am writing the complaint mainly to document the events that happended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: GA

Complaint narrative:
I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I opened a Coinbase account in XX/XX/XXXX I purchase Ethereum {$1500.00} worth. Then I purchased Bitcoin {$2500.00}. I also purchased {$1000.00} in Lightcoin. I called in after the purchases at the time the company usually answer the phone right away. I communicated with employee at their XXXX at this time i called to see about fees on Ethereum purchase. The Coinbase Rep explained it to me and then asked if a two tier Representative in Finance could called me within 30 mins. I said yes. At this time he called me convinced me to buy to Bitcoin for {$25000.00} dollars and that Bitcoin would be {$40000.00} buy XX/XX/XXXX The reps or thieves put one of the Bitcoins in my account at Coinbase I saw in my account acceptable to my XXXX XXXX XXXX Account or XXXX XXXX Account. I only recieved to my accounts. Next thing you know my computer was on I look up to see! Bitcoin was transferred from my account without my knowledge. A {$18000.00} dollar transfer with no calls ne emails nothing. I called Coinbase for weeks. They were not answering phones this whole time which enabled this Fraud. I could not get through for weeks. Now that they answer they tell me a 2 level person handling my account will be in touch. They tell me dont file complaints or I will be Blacklisted, Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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 — Problem with personal statement of dispute
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. 

I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
on XX/17 I transferred {$7000.00} to my usaa card under a promtional 0 % APR good through XXXX XXXX XXXX. I made cash advances after that and then paid the amount or more of those cash advances XXXX weeks after they were taken. Those payments should have went towards the cash advances per the credit card act over my minimum payments since they are 14 % apr vs the 0 % apr on the other balance. Usaa is saying that because they have written in their credit card agreement that promotional rates are payed off before all other charges that they can ignore the credit card act. breaking federal law and are still charging me interest on my cash advances while my payments have been going to the original XXXX interest free amount instead of the cash advances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XXXX of XXXX, I called to get my monthly payments lowered. No help waited on hold for 45 minutes to be told to go online and try to select an option. She stated on her end that she could n't lower it if I did n't apply for IBR. So I did what I was told. Never heard anything back so now its XXXX XXXX and I get an automated call telling me I was denied. I need to start paying XXXX by XXXX XXXX, XXXX I ca n't afford that. So I called again this time waited on hold for 1 hour. Explain my situation and everything. She basically told me there was noting she can do I need to pay by the due date and hung up in my face. So unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.

Company response to consumer: Closed with explanation