vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I received a letter from this collector - LINEBARGER GOGGAN BLAIR & SAMPSON LLP. Another similar collector I saw here in CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attorneys they say. So, I received a letter, telling me that I owed XXXX dollars. I may be sued. It does n't say why, where, when, or how. It says, pay or lawsuit, ridiculous. I try calling but automatically I am placed on hold for more than 30 minutes. Actually, I first waited 37 minutes. Then I waited 33 minutes. Also, the title on page says that I am receiving the letter from XXXX, CO. But it says to pay at LINEBARGER GOGGAN BLAIR & SAMPSON LLP in XXXX XXXX, TX. 
This is a collection I am sure. It is ridiculous and absurd. I HAVE MEDICAL INSURANCE, XXXX XXXX. I never received any bills for this. It was converted to collection apparently. Since I have insurance, XXXX XXXX, they 'll usually cover any fees. Apparently, a collection company is attempting to collect false billing charges, otherwise, I would have received a statement, and I would have reported that to my insurance, XXXX XXXX. More, in the letter I received, I noticed that it only has a title on top of page, Attorneys, address from where it came, and a phone to call where no one bothers to answers but it says, leave a message. Of course, the call did n't work remember. Besides that, nothing else other than, lawyers may sue unless you pay. It is a lousy tactic of course. I have insurance with XXXX XXXX, so this should never have occurred. Happy to meet you in court if you refuse to remove this bill or you refuse to contact whoever tried to make the false claim. My insurance will always pay for any medical bills, why else do I have XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX our family got stationed at XXXX, we moved into a apartment in search of a home prior to our household goods being delivered. We found a home and on XXXX XXXX asked our lender ( XXXX XXXX ) what documentation was needed for a pre-approval, We provided the documents and had completed everything with the realtor paperwork ( contract ended on XXXX XXXX XXXX ), inspections, {$2000.00} in XXXX and were ready to order the appraisal. On XXXX XXXX we gave the lender the green light to order the appraisal. On XXXX XXXX or XXXX the lender said the appraisal was ordered. We received several emails and phone calls from our realtor regarding the status of the appraisal and on XXXX XXXX reached out to our lender and asked about the appraisal because we havent heard anything yet. The sellers, the sellers realtor and our realtor requested some sort of documentation/proof that the appraisal had been ordered and XXXX XXXX refused to show anything reflecting the appraisal had been ordered stating it was " against their company 's policy ''. On XXXX XXXX our deadline/end of contract we still had no information on the appraisal. Our lender claimed it had been ordered and again refused to show anything proving the appraisal was ordered. We really wanted this home so our realtor reached out to the sellers requesting an extension on our lender XXXX XXXX word that he would close on the XXXX of XXXX. On XXXX XXXX My account was charged XXXX $ for an appraisal fee by movement mortgage. The home was placed back on the market and we received a cancellation from the seller on XXXX XXXX due to the inability of our lender XXXX XXXX to be honest and his failure to fulfill the duties the job required him to do. XXXX XXXX we asked lender why my card wasnt charged for when the first appraisal was supposedly ordered. XXXX XXXX response was When the seller is covering costs we initially charge all orders to our account & then it 's applied at closing on settlement statement as a " cost '' & then paid by seller. When this one was re-assigned to the new appraiser there was obviously a chance of it going south due to seller backing out so it was then charged to you at that time in case it did n't close so it would n't be our expense. On XXXX XXXX I called the VA and asked them if they have any information of the 1st appraisal being ordered, the only information the VA had was when the house was purchased previously in XXXX and then XXXX XXXX XXXX when my account was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
The Company Coinbase Has Been Holding My Money For About 3 Weeks. 
I Have Been Trying to get a hold of it and does not seem to work. I emailed them. no response. called them. no response. I am now reaching out to you guys because they refuse to give me access to my personal account. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The company picked up my car in XXXX XXXX and I got it back the following day. I paid what they said I had to and then i strated paying {$250.00} every 2 weeks to keep it up and not have such a big payment at once. Now they are saying Im past due again afte they have told me they dont allow a 10 day grace period. My question is how an Im behind if they dont allow the grace period? I am trying my best to pay for the car and I have kept up with the payments and they still want more money on top of the regular payment.

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 2017-12-15 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: IN

Complaint narrative:
I started asking for a copy of my Promissory Note with my original signature on it since XXXX XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XXXX XXXX, XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XXXX XXXX & XXXX, XXXX XXXX & experian was sent via certified mail XXXX online dispute portal, XXXX XXXX, XXXX all was sent certified mail, and the 4th and final letter was sent XXXX XXXX, XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

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 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was trying to sell an antique set of china. I got a buyer who sent me a certified check. Before I continued or did anything with the buyer I went to Chase bank to make sure that the deposited check cleared and there was no way that the check could be reversed. I was assured while I was at the bank that the check cleared and everything was good with the transaction. So I moved forward with the buyer who then decided he did n't want the china. I had a XXXX created and gave him his money back. The very next day Chase informed me that my account was overdrawn ( never happened to me before ) and that the check was fraudulent. 

I then immediately called the bank to see what was going on and to figure out what to do. They explained to me that there was nothing that could be done and it was fraud. I asked them to explain to me the reason they could n't help me especially since there was a bank error involved in the transaction. They said there was simply nothing they could do for a good customer. If there really is nothing they can do then I will move all of my accounts to a different bank who values their customer as well as, and more importantly, tells their customers correct information. I am very disappointed in Chase Bank. Do not bank at Chase they do not value you or your business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: NV

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 2017-12-15 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: NC

Complaint narrative:
On Wednesday XXXX XXXX, XXXX at XXXX I called Experian and spoke to a U.S. representative regarding my credit file. I told the U.S. representative that my name was incorrectly spelled and it was showing that my name was spelled as XXXX XXXX and he completely ignore my request and rush me off of the phone when my name is clearly spelled XXXX XXXX. When I called back and spoke to a different representative I want a re-investigation of the items I had disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX. I clearly stated to the representative that they have failed to provide me with a copy of any viable evidence submitted by these two accounts and to be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within the 15 days of the completion of the re-investigation. I also stated that they please provide the name, address, and telephone number of each person that contacted these companies in regarding this alleged account. I requested a copy of any documentation provided these accounts with my signature, showing that I have a legally binding contractual obligation to pay them the amount claim. I also stated that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The U.S. representative however did not care to fix the problem and hung up on me when I was still talking to him which was very rude and disrespectful.

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 2017-12-15 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: NV

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: NV

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: MI

Complaint narrative:
My ex received a phone call in early XXXX but he did not take down any names or numbers. My mother was contacted late XXXX and took down a phone number and a case number. I contacted XXXX on XXXX XXXX, and I spoke with XXXX XXXX who said she was part of a law firm named " XXXX XXXX. '' She stated I had a debt with US Bank from XXXX and if I did n't make a settlement of a one time payment of {$950.00} or 11 month payments that would total {$1500.00} that they would take me to court, garnish my wages, freeze my bank accounts and add any additional fees of court costs/lawyer fees. She stated the would send me some invoice in the mail and that I 'd need to return it. I never received anything and called again on XXXX, I asked where it was and she said they normally e-mail these documents. She then sent me an e-mail via docusign with her administrators name on it, " XXXX XXXX. '' It was a time sensitive document. After looking into this online and feeling skeptical of this caller I called on XXXX and asked for a " validation letter, '' she stated that the e-mail was a legal form of validation and if I do not comply they will take me to court. Now I am just waiting for a subpoena if this is actually something legitimate.

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 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It was recent brought to my attention that there were hard credit inquires from XXXX XXXX XXXX ( Transunion ) on my credit reports dated XXXX/XXXX/XXXX. These were done without my authorization or consent. I have no knowledge of this and would like for them to immediately remove 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 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: MO

Complaint narrative:
I received a letter dated for XXXX XXXX XXXX from XXXX XXXX XXXX, for a medical account from the, " Current Creditor '' XXXX XXXX, XXXX. Prior to making the call today to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, I reached out directly to Dynamic Recovery Solutions to find out about paying the debt in exchange for it being removed from my credit in writing. This negotiation was not solidified and so I advised I would not speak to them about the debt and hung the phone up. On today, XXXX/XXXX/XXXX, I reached out to XXXX XXXX XXXX XXXX, who is also indicated on the letter to find out if I had an account with them and they stated the last time I was with them was in XXXX & did not have any balance owed, nor anything sent to collections. After this conclusion and trying to call XXXX XXXX XXXX @ XXXX & receiving no response, I decided to reach out to XXXX XXXX or some other group to assist with the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 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: MT

Complaint narrative:
My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
To Whom It May Concern, Recently I tried making my monthly online mortgage payment online w/ LoanCare a XXXX XXXX . I paid my current mortgage within the grace period on XXXX/XXXX/XXXX. As a result of me paying online, I incurred a {$10.00} servicing fee. I read about this fee from my previous statement in XXXX. Therefore, in order to not incur this fee, I set-up automatic payments effective immediately. For whatever reason, my auto payment was not set-up until XXXX/XXXX/XXXX. I tried calling customer service, stating that I set-up auto-pay more than 30 days in advance of my next statement. The rep XXXX saw that I set up the auto pay on XXXX/XXXX/XXXX, but said that there was nothing she could do. I in fact spoke to her Supervisor XXXX who told me the same thing. Hence no refund for the service fee, even though I had setup the free autopay feature, yet was unable to utilize this option incurring the {$10.00} fee. The following 2 items are my specific grievances : 1. Why are they even charging a fee to pay online? I have had several mortgages, and have never heard of such a fee. Also, my closing documents say that I have a 15 day grace period. 

2. Once I saw that they were going to charge a fee, i immediately set-up for auto payments ( no fee ). So why is it my fault that I should have to pay a fee, if they take longer than 30 days to setup the payment. 

Thank you for your help, 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 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase failed to protect me as a consumer and gave incorrect information in how it relates to filing a claim for a purchase on my account. I made a purchase which I was told by the company had not gone thru due to a verification issue on the bank 's end. They indicated that the initial charge was just temporary and would be released in a few days and that my order was cancelled. After a few days I called back and was told that it needed a few more days for fall off the system and that it was based on the issuing bank for specific time frame. When i contacted my bank I was told by chase that I was required to wait until the merchant issued a credit for a cancelled order which was according to XXXX guidelines. I explained that information is only correct when the cancellation is requested by the customer, when the merchant cancels the order the consumer is NOT required to wait any period of time to file a claim and all that of information can be found in XXXX guidelines. Regardless of this Chase was adamant that I had to wait, per XXXX guidelines, I asked them to send me this documentation that said this which they refused to do. I was forced to wait weeks beyond what I already waited to have the claim filed. When the claim was filed I asked if I needed to provide any documentation or any affidavit/statement of facts to which they said they would contact me if any additional info was required. Many weeks later i checked my account to find that it was over drawn the amount that was credited back for the order I never got and when I called chase they said that they sent me two letters once stipulating that the merchant disputed the claim saying that they showed it was delivered and also that they sent a letter saying the credit would be reversed. I have the letter that they sent about the reversal but nothing about the merchant response. The letter about the reversal came AFTER they had already overdrawn my account despite notice is required to be given at least 10 business days prior to debit account, thus another violation. I asked the rep to check my signature that is on file and easily compared to the one that i supposedly signed and she indicated that they did n't match. This is utter nonsense. Chase failed to comply with the guidelines set in place for handling claims and I am not out almost {$3500.00} because of it. I want this rectified immediately and my funds returned otherwise a legal suit will follow.

Company response to consumer: Closed with explanation