vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 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: DISCOVER BANK
State: FL

Complaint narrative:
Refer to case # XXXX. Update : at my request due to distrust with Discover ( 30 year customer ) it has been found the issue was with them never changing the address and have notations as I do with all accounts showing address change request etc. After many months and hours and a file over an inch thick, XXXX XXXX XXXX has ask me to send him the information showing the address change exercise ... ..with so many hours in and conversations I first was not going to waste my time but have decided to do that and will before year end. Account has been closed at my request and notified all the credit reporting agencies, but ... ... my FICA score was never changed back and apparently from what I have been told, can never be changed even if it was not my fault! Now I am wondering with what has been discussed with the CFPB they protect the company, not really the consumer based on information recently discussed on TV from the 2008 leadership? I will also tell you this whole issue ( so XXXX looking back ) was presented and will continue to be presented to consumers and have been told a few have already contacted Discover telling them they will no longer use their accounts. This whole issue has been so disturbing and has awakened so many people ... ... ... a 30 day late payment in 30 years was given to credit reporting agencies when in fact that issue was Discover 's problem being they never changed the address! Consumer suffers. That is wrong, someone is protecting someone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In response to my compliant number XXXX dated XX/XX/XXXX re : not being able to access my accounts online with CapitalOne without first submitting my income, the matter was resolved ( thank you ) by CapitalOne advising that typing XXXX would circumvent the need to include my income. 

On XX/XX/XXXX, I received a letter from CapitalOne advising that because I was not " ..using a significant portion of the Credit line on your account,,, '', they were reducing my credit line in 1/2 to @ {$10000.00}. 

I 've had this credit card since XX/XX/XXXX and I have a checking, and savings account. They never tried to lower my credit limit prior to their XX/XX/XXXX letter. It just seems like more than just a coincidence that after my compliant, my credit availability was reduced but never before. 

I believe, as a result, my credit score ( as reported on CapitalOne 's credit monitoring service ) has decreased from XXXX to XXXX. The reasons given was a decrease in my credit use availability. The 50 % decrease in credit availability would cause the % 's to increase. Less credit available with same credit usage would result in a higher credit usage percentage. 

BTW, I pay my balance each month in full. 

All i am asking is to increase my credit limit to what it was before my complaint to the CFPB. I believe what Capital One is trying to backdoor the resolution by CPFB - when I ask my credit to be increased, they 'll require my salary be disclosed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Sent first dispute letter out on XX/XX/XXXX its was received and signed for on XX/XX/XXXX took them past 31days until i recevied a response, I sent them a second dispute letter that they received on XX/XX/XXXX telling them to remove the account from my report they failed again to respond and did not update " to in dispute '' on any of my credit reports or remove the account off any of my credit report i direct violation Fair credit reporting act, i want this account removed from all reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have money invested with Coinbase. I now wish to withdraw my funds from my EUR Wallet and GBP Wallet. I have set up my XXXX bank account with Coinbase as requested. I have deposited XXXX Euros as requested ( on two occasions now ) which is part of Coinbase 's verification process. The money is showing as received in my Coinbase EUR Wallet and my EUR Wallet account has been credited. No when I click on the withdraw button the software directs me to the account verification page and requested that I deposit yet more money into the Coinbase EUR account so my XXXX bank account can be verified. I have emailed Coinbase, tried calling them and followed all on-line help available from Coinbase but can not get my money back. I am now starting to think Coinbase are either scammers or are having financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I used their autopay system to set a payment for my credit card and apparently it failed, and they have the audacity to charge me for its failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Problems started when XXXX XXXX sold my reverse mortgage to XXXX XXXX XXXX doing business as XXXX XXXX. They tried to foreclose in XX/XX/XXXX. After negotiation they voluntarily dismissed the case in XX/XX/XXXX. In XX/XX/XXXX, they filed lis pendens again against me for the same things that were resolved in XX/XX/XXXX by court order. They are claiming that I did not have homeowners insurance which I did and submitted the declaration page to them over 6 ( six ) times and they still went ahead and put on their own homeowners insurance and have listed said amount on their tentative payoff sheet. Further, they went ahead and paid on the taxes for the home without notifying me or giving me the chance to pay them. They paid these taxes in XX/XX/XXXX and they are not due until XXXX XXXX of each year. They have attached this amount to the payoff as well along with attorney fees from the XX/XX/XXXX court order in which it clearly states that each side was responsible for their own attorney fees in the matter. They hired a law firm out of XXXX XXXX, XXXX XXXX Firm, which from what I understand, is a foreclosure mill group. They are uncooperative to say the least. I am trying to get an accurate accounting because I have sold the home and so far I have gotten four ( 4 ) DIFFERENT AMOUNTS. XXXX XXXX. is a sham group of underhanded and illegal operations. They have been brought up on charges again in XX/XX/XXXX via a class action suit, the same month they started with me. I have filed a law suit against them and now have submitted my case to the XXXX District Court of the State of Florida, XXXX Court. I need help with this organization who is trying to take my home of 24 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. 

I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. 

It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Interest charges are being charged in advance. Specifically, interest charges are compounded daily ; however, every Friday the interest charges that would accrue the following Saturday and Sunday are being added to the principal balance each Friday. Additionally, I have seen several instances where the interest for the preceding days was added on a previous weekday that was not a Friday, so that interest was calculated and added in advance, rather than on the actual day in which it would have accrued. As a side note, the interest is adjusted on the following Monday ; however, this unscrupulous practice has likely caused numerous borrowers to incur additional interest and possibly affected the payoff amounts of their loans. 

I have a spreadsheet with which I use to keep track of my daily interest, payments, etc. for all of my loans and the spreadsheet consistently and accurately tracks all of my loans, interest, compound interest etc., except for this specific loan with Nelnet, due to Nelnet " padding its tab '' without explanation or cause. 

I have attached both spreadsheets. The first shows the additional {$19.00} added to the balance on the previous Friday and the second spreadsheet shows the adjustment made the following week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: NY

Complaint narrative:
I sent my complaint to you and you forwarded that to Premier Student Loan Center who responded incorrectly but you accepted that and closed the case. Is this how you do business and if so, I guess I should not be surprised since you are a government agency. My complaint was NOT the fee but the way in which the fees were to be set up. My complaint was NOT the fee but the misleading information regarding how I would now be set up to repay the loan. It clearly states that from the beginning, I would pay {$240.00}. for the first 4 months ( their fee ) and {$100.00} thereafter for the next 120 months. THE XXXX CHANGED TO {$230.00}. I was also quoted {$70.00} and another {$30.00} which totals the $ XXXX monthly payment. When I asked for an explanation about this and where does the {$100.00} appear, I received a general response that did n't feel right. That 's the issue that should be questioned and this information was stated in my first correspondence. If you are there to protect consumers, how the XXXX is this protecting consumers?????? Companies should not be permitted to pray on consumers such is what happened in 2008 and why to were created. People were mislead and provided with XXXX  information yet it appears that it is allowed to continue WITHOUT PROPER OVERSIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
i purchased a piece of software called XXXX that claimed to allow me to reset my forgotten password to my home computer. it was scam software. I tried to dispute the charge to my chase cc rep. they asked for my phone number so they could send a security code they claimed they were having difficulties sending the text and would call me back. did not happen.i called back they hung up. I called back they did the same security code thing again. asked how is sending a security code text to a number I provide prove who I am. I asked to accept my dispute claim. they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, my Wells Fargo 2nd Mortgage account ( HELOC ) switched from a 12 month fixed introductory rate to a standard flexible rate. Per Wells Fargo, this rate change prompted a temporary erroneous reported balance increasing the amount by {$120000.00}. I contacted Wells Fargo to ensure the reported balance would be corrected and asked for confirmation that they would not report the erroneous balance to the credit agencies ; Wells Fargo verbally confirmed that I would not be impacted from a credit reporting perspective. 

On XX/XX/XXXX, Wells Fargo corrected the account balance amount crediting my account {$120000.00}. My Wells Fargo account has shown the correct balance ever since. The ISSUE is that contrary to what XXXX XXXX confirmed to me, they have in fact been reporting the erroneous account balance to all of the credit agencies. Since XX/XX/XXXX, I have been in contact with Wells Fargo several times in an attempt to fix this. A case was opened through the Wells Fargo Executive Office to address this and I received a phone call on XX/XX/XXXX, to notify my that the case was being closed and all actions have been taken to correct the issue. 

My grievance and concern is that the issue has not been resolved and I continue to be negatively impacted as a result of Wells Fargo 's inability to correct an issue they created. My credit score has decreased and I do n't know how else to fix this. As of XX/XX/XXXX, my HELOC account balance is {$11000.00} ; all credit agencies are reporting an outstanding balance of {$230000.00}. 

Ever since first entering into a relationship with Wells Fargo in XX/XX/XXXX, I 've felt that I 've been mistreated and taken advantage of as a customer. I was asked to open a checking account and verbally obligated to opt for automatic account payments in order to qualify for my mortgage. Earlier this month, I was finally able to cease automatic payments after Wells Fargo made another mistake debiting my account twice. 

This is all unacceptable and I am tired of being mistreated and negatively impacted by Wells Fargo. I have never experienced such a level of ineptitude and bureaucracy with a financial institution.

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 2017-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian shows collections from XXXX XXXX XXXX for XXXX XXXX XXXX. I have called XXXX twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you 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 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX someone used our Bank of America Visa card number to charge {$1000.00} for a body building XXXX drink supplement ( Grocery category ). Bank of America recognized this as fraud and quickly contacted us and issued us new cards and reversed that one charge. Shortly after that transaction there were two smaller charges that were also fraudulent/not done by us. Both were on XX/XX/XXXX with merchants that appear to have no online shopping presence. One of them was In Connecticut by the shore ( {$50.00} - XXXX - XXXX - but the " online '' store feature is not setup yet ) and one was in Florida ( {$30.00} - XXXX XXXX, XXXX, FL - no website ) so it looks like these were point of sale transactions. We contacted Bank of America to dispute these two charges as well, but the rude representative and her supervisor claimed at least one was done " with a chip '' so it had to be us. A reasonable person would conclude that since there was a fraud/stolen credit card number within that same week timeframe that it is indeed possible there might be more than one fraudulent charge, especially since two were done 1,200 miles apart on the same transaction day. 

We were in XXXX Connecticut on XX/XX/XXXX and in New Hampshire on XX/XX/XXXX with both of our cards so the Florida charge is obviously a fraud. The " facts '' were relayed to Bank of America and they were provided with a transaction receipt from another credit card company showing we purchased gasoline in New Hampshire on XX/XX/XXXX - faxed them documentation. This is the first time we have ever had a credit card company basically insinuate we were lying and made the charges. We both work for a state Judicial Department and are age XXXX with credit ratings of over 860 and will file a small claims case in court if necessary against Bank of America and will also contact the consumer advocate at a local TV station. I realize it 's only two small charges totaling {$80.00}, however Bank of America seems to have a lot of complaints from people in our situation so it 's a matter of principle. 

I placed another ( third ) call on XX/XX/XXXX and this representative was professional but still no resolution yet, hence this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
on XX/XX/2017 at XXXX XXXX, i initiated a transfer from coinbase to XXXX. This was my first time trying to fund my XXXX account and had never been on the site for this purpose. XXXX makes it extremely confusing and offer no customer service. I clicked the little plus sign next to XXXX instead of XXXX. 
Coinbase should never have initiated the transacation as it was not possible to deliver.
Coinbase is telling me there is nothing they can do to get my money back. 
it is in excess of over 30k usd. 

XXXX AMOUNT TRANSACTED XXXX XXXX FEES XXXX XXXX RECEIVED 15 days ago CONFIRMATIONS 6+ Advanced Details Block Hash XXXX Block Height XXXX Transaction Index XXXX ( permalink ) Size 225 bytes Lock Time Version 1 Relayed By : XXXX

Company response to consumer: Closed with explanation