vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
First the previous section did not have a box that applied ... pls see explanation below! 

In XX/XX/XXXX I sent a letter to Central Financial Control offering to settle to medical collection accounts. CFC never responded. I tried several more times by phone and mail without any response. 
On XX/XX/XXXX I faxed an offer to settle my 2 accounts with CFC on behalf of XXXX XXXX XXXX XXXX XXXX. The 2 accounts totaled {$5300.00}. 

Today I received in mail a response from CFC dated XX/XX/XXXX saying I had asked to verify the debt. This is incorrect ... .I had asked them and have been asking them since XX/XX/XXXX to try and settle these debts. As I explained in the letters to them I have XXXX and want to settle all outstanding accounts so my spouse will not have to deal with them in the future. 

I understand CFPB can not make them settle, but I need someone I can communicate directly at CFC to settle both accounts. 
Any help with this would help alot! 

PS ... I did reach out to XXXX who owns the debt and they refused to discuss it and kept referring me back to CFC who is not responding to settlement offers. 

Thanks XXXX 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 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I was apart of the XXXX breach and signed up for the monitoring service XX/XX/XXXX. At this time I saw an account listed for American Credit Acceptance for a car loan. I knew this was n't an account that belonged to me because XX/XX/XXXX I  purchased a car an established a loan with XXXX. I work a part time job and would never purchased two cars. First I filed a FTC identity theft report. I also disputed the information with all 3 credit agencies. The results of the investigation came back as accurate information. I disputed the information again with my FTC paperwork, copy of my ID, information for my real auto loan and information that someone else got a ticket in my name using a lost ID in XX/XX/XXXX. I  also sent all this same information to American Credit Acceptance with a request to provide me documentation for the loan that supposedly issued in my name. They send me back there investigation finding that said signatures matches, address matches and picture ID matches. There findings is there is no evidence its not me. They also sent the credit application. The application is basically blank with limited information no filled out completely at all. They did n't provide me with the copy of the ID that was used which they claimed matched my ID. The signature on the paperwork does n't match my signature at all. I never applied for this loan. One of  the biggest things that also make this unbelievable is because of issues in the past with someone getting a ticket in my name and someone trying to get services in my name I have a statement of my credit report. No one should issue credit in my name without contacting the phone number listed on the credit report. American Credit Acceptance never contacted me to verified I was the person getting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Since consolidating student loans XX/XX/2001, I have consistently been mislead by Navient. I currently have 2 consolidation loans with them. These are my complaints.
1 ) Navient has failed to correctly apply my payments and extra payments to my account. While stating that I would be able to skip payments if I preferred, they falsely set my loan repayment counter to zero So I had to start over in repayment phase. 
2 ) poor customer service and misleading information which lead to a bad outcome. This has set me back and caused me distress.
3 ) Navient automatically put me on 30 year payment plan without consulting me to maximize interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a Commerce bank checking account that offered a {$200.00} bonus for accounts opened before XX/XX/XXXX. The offer terms stated, " Get {$200.00} for opening a new Commerce Relationship Checking account. '' The offer also stated that I needed to provide an offer code when opening the account, and I provided the XXXX offer code. The fine print also said that my account must be in good standing for a full 90 days after opening. A couple weeks ago, I received a letter in the mail, dated XX/XX/XXXX, stating that my account was being closed for inactivity. My account was only active for 31 days, which does not seem like an unreasonable amount of time for no transactions to occur. I called Commerce to ask about it, and they initially said that didnt sound right. Last week, I received a call back, and the rep told me that Commerce Bank routinely close accounts set up online that dont have activity. My account was closed by Commerce Bank on XX/XX/XXXX. Since my account was closed before 90 days, I did not receive the {$200.00} bonus. 

The representative I spoke with told me I can keep my account open if I visit a branch. There are no branches near me, which makes visiting a branch hard to do. Commerce Bank allows online applications and allows accounts to be set up by residents of Illinois, so I find it unreasonable that I had have to visit a branch. It is dishonest to hold my {$5000.00} account deposit and earn interest on it, but then close the account after six weeks in order to avoid paying me the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: TX

Complaint narrative:
I have three Credit Cards with Capital One and have been having issues since XX/XX/XXXX with my online services. Anytime you open an new account ( credit card, savings, auto, etc. ) online you are required to create a new user ID and password. I have never had a problem with this because you can combined the user accesses into one login, until now. I have contacted Capital One over five times and have gone into the branch to try and resolve this. They can not  combined user access only the customer can. I have made several complaints but absolutely no one is contacting me. I have to be the one to call capital one and check on my status. This is getting old. Today I called again to inquire about it and they informed me there was noting they could do after being on the phone for over an hour. I asked to speak with someone else and they put me on hold and then they hung up on me. The customer service is some of the worst I have ever dealt with. This case was first opened on XX/XX/XXXX escalated on XX/XX/XXXX.  My ticket number that they are working on is XXXX. Also, another reason I want to combined user accesses is because I am trying to combined my two business credit cards into one. They both have an annual fee on them and if I get charged the fee on both then I am going to be very upset especially since I have been trying to resolve this issue for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
I have an account with CoinBase ( www.coinbase.com ) and tried to withdraw funds to close the account on XX/XX/XXXX. I was informed by Coinbase that funds would be in my account by Tuesday XX/XX/XXXX. No funds arrived so I created a trouble ticket ( ticket ref : XXXX ) with them on XX/XX/XXXX. It is now XX/XX/XXXX and I have received zero response to that trouble ticket and to further attempts at contacting Coinbase. They have published a telephone number for support but after 45 minutes my call had not been answered so I gave up. 

I am seeing many posts online where people trying to withdraw funds from Coinbase are seeing many MONTHS delay in getting payment and I am trying to avoid it happening here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. 

I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lending Club Corp
State: UT

Complaint narrative:
This is as far as what happened XXXX XXXX XXXX XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
on XX/XX/XXXX I purchase a home, It had taken me about 3 years to save for the down payment and I was able to put down {$530000.00} on this property. In XX/XX/XXXX when the housing market started to crumble and many home value decline I fell behind on my mortgage. After a long court battle I was offer a modification. I did not realize at the time because it had been six years in court I was financially exhausted and mentally drain that JP Morgan Chase was putting a new mortgage that was more than three times the value of the property. At the time they were doing this, they had receive a $ XXXX TARP Bailout from the US Government, Additionally it was illegal to palace such a modification that was three times the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am complaining about transunion credit reporting. They are still showing an account as open and in collections on my credit report when it was included in my bankruptcy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this twice and no other credit reporting company us showing it. I have provided my bankruptcy dischard papers and they still will not 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 2017-11-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?

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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: MI

Complaint narrative:
I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.

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 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been making unauthorized debts from my checking account every month totaling what I believe to be a total of {$930.00}. I contacted both companies XXXXXXXX XXXX and XXXX XXXX about the charges and they confirmed my verbal cancellation and my absence from the institution, they stated that a written confirmation was needed, which was not stated to me as I left the gym XX/XX/XXXX with the previous managers made aware of my cancellation. I contacted my banking institution Navy Federal Credit Union and they found the transactions and updated my bank account and billing information with the company without authorization. This was due to a previous incident with my identity being stolen and being issued several bank cards along with a new bank account number. Currently they are stating Regulation E which provides regulation of bank transfers. This however is not enough due to this account being updated by my bank Navy Federal Credit Union. My next step is to make a lawsuit involving all three parties Navy Federal Credit Union, XXXX XXXX, 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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is the original mortgage provider for the property, purchased in XX/XX/XXXX. We refinanced with Wells Fargo in XX/XX/XXXX. In XX/XX/XXXX, we contacted Wells Fargo to refinance again, to use the accumulated equity as well as make changes to the title. We were provided erroneous information by Wells Fargo lending officer in XXXX XXXX, FL area ; per this person, quit claim deed was required prior to submitting mortgage refinance application. I contacted Wells Fargo national office, was told that previous information was wrong, and began the application process. 

I submitted all requested documents very quickly and there were no delays until the appraisal was ordered. It has taken several weeks for Wells Fargo to even schedule an appraisal. Then they sent an appraiser who was completely incompetent and so appraisal could not be used. Wells Fargo scheduled another appraisal, which again took weeks to be scheduled. Two delays, both caused by Wells Fargo, caused me to miss the deadline for submitting final documents required for closing. I was told that the deadline was on Monday, XX/XX/XXXX, but XXXX XXXX, FL area was affected by Hurricane XXXX and declared federal disaster area a few days prior to the deadline. There was widespread damage and no power at the house. I had to charge the phone in my car to even make a phone call to Wells Fargo, asking for an extension. They refused to grant an extension. 

In addition to misinformation, appraisal process delay, and failure to grant an extension due to the area being declared federal emergency zone, Wells Fargo also increased the interest rate, which was locked and guaranteed. Wells Fargo decided to classify the property as investment and raise the interest rate, even though the property is owner-occupied and, therefore, classified as second-home property. 

Even after the appraisal was completed, Wells Fargo failed to comply with federal requirement that appraisal report is released to the applicant within three days. It has taken almost two months and numerous requests to finally obtain an original copy of appraisal. 

Given the violations described above, the owner decided to apply for mortgage refinance with another lender. Wells Fargo is retaliating by refusing to completely release the appraisal. After numerous phone calls and email requests, Wells Fargo finally provided a letter stating that the other lender can use the appraisal. However, Wells Fargo is refusing to provide a statement that appraisal process was in compliance with AIR standards or send the appraisal report in XML format.

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 2017-11-14 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: MO

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eltman Law, P.C.
State: TX

Complaint narrative:
Who is XXXX? This company attempted to sue, garnish bank account and is now taking my money. They claim they purchased this debt from XXXX but will not provide proof. I need copy of proof that I owe these people. I need a copy of the transfer of debt from XXXX to XXXX. I am uploading copies of documentation where are companies sent me letters regarding this debt. Why are there so many different companies attempting to collect on the so claim debt purchased from XXXX but refuse to provide proof. They all are in violation of FDRCA and FCRA. Please help to rectify this problem. They also tried to garnish my bank accounts ( see attachment and contact my bank for proof ).

Company response to consumer: Closed with explanation