vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is regarding my mortgage with Capital One Loan Number XXXX. Until XX/XX/XXXX my monthly mortgage payment was {$2200.00} but in month of XX/XX/XXXX you increased the monthly payment to {$5000.00}, without any prior notice and tried to withdrew that money from my account since I was under impression that only {$2200.00} is due so I never bother to arrange any money and the ACH requested got returned and the same this repeated next month as well. I never logged into my account in these two months but when in XX/XX/XXXX I logged back in I saw what happened and requested to take a payment on my account but because of these two unauthorized attempts of {$5000.00}, I immediately called Capital One there was a hold put on my account for Capital One 360 by XXXX XXXX XXXX but anyways I still sent a payment by Bill pay service. Had I knew this payment was coming in XX/XX/XXXX or sooner I would have made arrangements. In last 8 years I was never late leave the missing payment aside ; Even in XX/XX/XXXX bank told me my monthly payment will be {$3200.00} and some change but when I called Capital One 360 On XX/XX/XXXX, I was informed my payment was not {$3200.00} it {$3400.00} and the customer service representative I was talking to XXXX agreed on recorded line with her consent, that it was wrong information provide to me by bank. With this lack of communication from Capital One 360 this all had happened and negative items were reported to my credit bureaus. I request you to please remove this negative reporting for my account from all credit bureau. I do have all proof to prove it. I 'll appreciate this if you just take one thing in consideration that I have be a good customer for last eight years and take care of this and avoid me any further frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I need assistance with XXXX XXXX. I lost my phone and need it on my new phone to access my account or to send more than XXXX bitcoin. I can not even change security settings to help myself because of this. Their admin could help me in 60 seconds. I have been waiting a week. Their online XXXX @ coinbasesupport serves as a support contact and they literally skip over me and help new requests. I have a significant portion of my life savings on this platform. I 'm floored as to the lack of support. My initial support ticket was submitted 1 week ago and I have not heard a peep from support. I have access to see from one device but I can not change settings due to losing my phone. This access expires every 30 days which I anticipate will be shortly. I need access to my funds! I 'm verified! <P/>Also note the platform coinbase had a crash with the very coin I have a lot of investment in and it lost 99 % of the value periodically. I could not do a thing due to the lack of access from every device around me that night. I need a human to answer my ticket and fix my XXXX authentication so I can access my money immediately. I can provide any documentation necessary. Case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, Transunion and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XXXX all the way up til XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
Homeowner/Borrower requested loss mitigation assistance in XX/XX/XXXX and received a TPP. While homeowner was making the TPP payments, servicer moved forward with non-judicial foreclosure anyways. Homeowner was not aware that the property had been sold in foreclosure until someone knocked on his door and advised him that he and his family needed to move out since they no longer owned the property. At that point homeowner complained to servicer. In XX/XX/XXXX, servicer acknowledged the unlawful foreclosure by instituting a court action to rescind the Trustee 's Deed Upon Sale. Homeowner was not served with the court documents. In about XX/XX/XXXX the court action concluded, resulting in a court order rescinding the foreclosure sale. In the interim, however, the property was no longer insured and sustained water damage for which homeowner has not received any compensation/repair to date. Moreover, servicer continues to pursue homeowner for all charges accrued during the period of time that it illegally sold the property out from under homeowner. A new Notice of Default and Election to Sell was just filed in about XX/XX/XXXX. As of today, there is no sale date. Homeowner has submitted an RMA package but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I was approached by a sales representative that attempted to sale me a service packet for XXXX while I was shopping at XXXX 's XXXX in XXXX Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't. It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a year ( XXXX and XXXX ). Thank you for your assistant.

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 2017-06-27 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: GA

Complaint narrative:
My name is  XXXX   XXXX   XXXX . I was approached by a sales representative that attempted to sale me a service packet for   XXXX   while I was shopping at   XXXX   XXXX     XXXX  in  XXXX  Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't.   It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a ye ar (   XXXX  and  XXXX   ).    Thank you for your assistant.

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 2017-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America claims that there is a Massachusetts state law that prohibits it from extending home equity credit lines to owners of homes held in trust. I tried in the early spring XX/XX/XXXX and again in XX/XX/XXXX to open a home equity line of credit to replace the one I have had for decades with Bank of America and that will expire in XX/XX/XXXX. Both times I was told that there is a Massachusetts law prohibiting BoA from extending a home equity line of credit for a house held in trust. I am trying to get a line of credit for the same house that I have a line of credit for for many years. <P/>Yet I have spoken with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX as well as my estate attorney and have been told that home equity lines of credit are extended to owners of homes held in trust, subject of course, to scrutiny of the relevant trust documents but that most often there are no impediments to gaining a line of credit. <P/>My concern is that BoA is not truthful and that homeowners are not getting accurate information. <P/>I will apply for a home equity credit line early in XX/XX/XXXX, probably at XXXX XXXX XXXX, XXXX XXXX XXXX, or another local bank. I do not anticipate any problems.

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 2017-06-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with equifax, XXXX and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, XXXX and experian, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a payment for {$4500.00} via personal check to the State of NY for estimated tax payment. I did not transfer sufficient funds from my savings to my checking account and check # XXXX was returned and the money was credited to my account in the amount of {$4500.00}. I called TD Bank on friday XX/XX/XXXX, to resolve the issue, and the representative waived my returned check fee of {$35.00}, and also informed me that the check is void at this time, and I would need to write another check to the state of NY. I immediately made an online payment to the State of NY, and it posted on Monday XX/XX/XXXX. In addition to posting the payment, TD Bank processed the supposed returned check # XXXX payment and {$4500.00} was withdrawn from my account. I was under the impression, based on TD Bank 's representative that check # XXXX was null and void. I called TD Bank, and they placed a stop payment on the {$4500.00} to State of NY on XX/XX/XXXX, and I was told on a recorded line that the {$4500.00} would be processed and returned in 24 hours. Today I called, and they are saying 3 business days to process a stop payment and obtain my funds back to the account. {$4500.00} was withdrawn two times and they are now pulling up recorded conversations I had with TD Bank to verify that their representative in fact instructed me to write another check to the state of NY since the returned check was voided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I originally had my student loans with XXXX XXXX which now Navient. I have a debt amount of {$11000.00} approx. in student loans. I am currently unemployed due to any injury to my back while working and have been out of work since XX/XX/XXXX. On numerous occasions I requested some kind of help from Navient before and after my injury due to financial circumstances, such as losing my home, losing my cars, taking a $ XXXX/hr pay cut at a new job. All the while the only thing Navient could offer me was forbearance for no more than a few months or a year. I have tried to send what I can to them, at times only {$20.00} because we are currently living on one income and still have children to feed and clothes. I do not receive any income for anything. Navient never once offered me any other type of repayment plan for my loans such as the Income Driven Repayment Plan, The Go As You Earn Plan, etc. Only offering forbearance plans. They are relentless in sending threatening letters in the mail about what will happen if you do n't pay your loan, etc. This has been going on for approximately 5 years. I recently have discovered that there is help no thanks to Navient from a XXXX XXXX and have consolidated my loans and now have been placed on the IDR plan. Nothing Navient EVER offered to me until just recently, XX/XX/XXXX, in another threatening letter stating that they would be forced to start accessing an interest rate of 24.34 %. I have asked them numerous times to not call me over the phone that I would do everything over email or mail. They did on numerous occasions after my requests call me and again harass me over the phone. They have also sent me letters under different company names such as XXXX XXXX XXXX, XXXX XXXX  ( This is the latest ), and Navient Solutions. This company has NEVER been cooperative or even tried to help me in any way, either lowering my payments, offering any other options, NOTHING! It is unfair how they have treated so many people in my same situation and it needs to stop! I will never have them as a loan service again EVER.I also have been made aware by many other students and friends of lawsuits against Navient that have recently come about for the same things they have done me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX. ( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX  to less than XXXX. It is now affecting my ability to buy a home.

Company response to consumer: Closed with explanation