vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I refinanced my home with another lender in XXXX XXXX. It is now XXXX XXXX and I have yet to receive my {$3000.00} escrow refund. 
Account XXXX was paid in full on XXXX/XXXX/XXXX. LoanCare , LLC released my property tax escrow in the amount of {$3000.00} to my tax office on XXXX/XXXX/XXXX. The tax bill was already paid by the new lender upon receipt of the LoanCare payment on XXXX/XXXX/XXXX. XXXX XXXX XXXX office returned the payment to XXXX XXXX on XXXX/XXXX/XXXX. I have made several phone calls, emails to the company to inquire about the delayed processing. I 've gotten the run around since XXXX, being promised escalations and rush on the return to no avail. I have spoken to supervisor XXXX XXXX on 2 occasions, only promised that the check should be mailed soon. My online account shows the contractor returned the check to LoanCare LLC on XXXX/XXXX/XXXX and there has been no further processing as I spoke to a customer service rep, XXXX # XXXX today. She assured me that no one was trying to " keep my money '' only to return to the line with her humblest apologies as the delay is duely noted in my file. I would assume the company is well beyond their legal limit to refund my escrow overpayment. 

I am a single mother and my children are still awaiting their delayed XXXX gifts that were promised to them as I was unable to afford anything due to being over {$3000.00} in arrears due to this fiasco. And now they have birthdays coming up, and I will have nothing for them, yet again. I am unable to make this month 's mortgage payment for my home as I have maxed out all of my lines of credit trying to compensate for the missing funds over the last 3 months. LoanCare does not seem to have a good system in place with their tax contractor XXXX, as they held my funds for over 6 weeks and not a single soul at LoanCare could provide me with an update despite their self admittance of several attempts to follow up with XXXX about the returned check. Furthermore, it is not the problem of the customer that your contractor is ill equipped to handle refunds in an appropriate time frame. I am so glad this company is no longer servicing my loan and I would not recommend anyone to finance with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Submitted a validity of debt to the company ( Capitol one ) no response in mid XXXX XXXX no reply. Submitted another letter no reply. No reply to even find out about the debt and possibility of settling it since it 's charged off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
I am in the rehab program with Coast professional. I just completed a rehab program with XXXX who took out payments via ACH. Coast however was drafting payments off my debit card. A couple months ago I replaced the lost debit card causing me to miss two payments within the rehab program barely catching it before 90 days. I had the money in there but received no call, email, or letter letting me know a payment was missed. Apparently they did not have my apartment number on file. 

I suppose I should be grateful that I was allowed to make a payment and continue the program. They told me that if I had not called within the next 3 days I would of had to restart the whole program from scratch and lose all my payments. I had made 4 payments before this happened, however they said because I missed two payments they were taking two payments away. So the payment that should have been my fifth was counted as my third. Essentially they pocketed a little under {$400.00} ( 2 payments ) of my money and extended out the length of the program a couple of months.

This just does n't make sense to me. Especially since I made two payments at once to get through the program faster and you are allowed to miss one payment during the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX I return the jewelry to XXXX XXXX within the time under the return policy. I call Citi Bank at the time they told me they was working on the issue. I was later put off time after time. No return call some one always going to get back to me. Wrote Citi Bank disputing the issue and had all rights to cancel the agreement. Citibank let the time run out and then call me after the fact. I had talk to them several times. 

Citi Bank does not do what they say its just the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, I sold executed a sell order for XXXX Litecoin ( LTC ) from my account with Coinbase. The sell order was for a USD equivalent of {$1500.00} which was to be deposited via wire into my verified, personal bank account connected. The sell order status ( and associated wire ) are both reflected as 'completed ' on Coinbase, however ; I have not received the USD funds in either of my Coinbase or personal bank account. After checking with my personal bank to determine whether they may have rejected a wire and confirming that no wires were received, I submitted a support case to Coinbase on XXXX XXXX XXXX. The support case went unanswered for 17 days until on XXXX XXXX XXXX I received a message saying that the issue had been investigated and was being addressed, but without any details on the timeline for resolution. As of today, XXXX XXXX XXXX I have yet to receive the funds or any follow-up message regarding the path or timeline to resolution. My understanding is that Coinbase is a U.S. based entity with approval to operate under the oversight of state and federal regulators. With this being the case, I expect that customer support be sufficient to handle errors and resolve inquiries much faster than the nearly 30 days that this issue has remained outstanding ( and open within the Coinbase case system ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On last month I filed a dispute with Experian about an account resulting from identity theft and they said that it came back verified. On XXXX XXXX2018 I sent another request along with my Federal Trade Commission Identity Theft Report, they already have copies of my police report. Along with the FCRA section 605B which as a credit reporting agency I am sure they should be familiar with. Section 605 B of the Fair Credit Reporting Act requires them to block any information resulting from identity theft in four business days. This is the fourth business day. This is not a dispute so it should not take 30 days. I still have not heard anything back from the company and it is still showing up on my Experian account. I need this inaccurate information blocked as it is required by law.

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 2018-01-12 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I filed a dispute with XXXX XXXX XXXX XXXX. file complaint after complaint with no reply. They turn the account over to Portfolio recovery Associates and they never responded to my letter to them as to the account was in dispute and I wrote them 4 times to put this account in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I initiated a bank wire transfer for {$10000.00} USD from my Coinbase USD account balance to my personal bank account at XXXX XXXX which is linked to my Coinbase account. Coinbase referenced this transaction as # XXXX further known as Transfer ID : XXXX. 

The wire was supposed to complete within 48 hours and as of today, XXXX XXXX, XXXX The funds have not reached my bank account and Coinbase did not re-deposit the un-wired funds back into my Coinbase account either. 

I placed an internet support request on XXXX/XXXX/XXXX because Coinbase does not have live customer service agents to help with fund transfer issues and was given Case # XXXX. 

After more than a week with no response I placed another support request with Coinbase on XXXX/XXXX/XXXX and was given case # XXXX and as of today ( XXXX/XXXX/XXXX ) there has been no response from Coinbase. At this point they have apparently stolen my {$10000.00} US and I want it returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc.
State: CA

Complaint narrative:
I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: RI

Complaint narrative:
The initial mortgage started effective XX/XX/XXXX, after 2 months with XXXX XXXX the note was sold to XXXX XXXX. XXXX XXXX determined a monthly mortgage payment of {$910.00} including es-crowed taxes and insurance for a 30 year loan on principal of {$120000.00} with fixed interest of XXXX. XXXX XXXX sold the note to Specialized Loan Servicing ( SLS ) during XX/XX/XXXX. SLS notified me on XX/XX/XXXX that the loan had accrued a shortage of {$10000.00} that resulted in a new monthly payment of {$2100.00} until the shortage adjustment was recouped. On XX/XX/XXXX SLS notified me that per recalculation the new monthly payment would be {$1700.00} as the  shortage was determined to be {$5300.00}. I was told by phone that I would be requires to pay this new monthly amount for the next 12 months. As I have indicated the payment went from {$910.00} to {$1700.00} without any means of recourse or option to repay over a longer term. The annual escrow increase from XX/XX/XXXX to XX/XX/XXXX for taxes and insurance amounted to {$72.00}. The action I find necessary is for SLS to clearly explain the shortage calculation as well as their denial of my request to lengthen the term allowed to repay the correct shortage amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: PNC Bank N.A.
State: OH

Complaint narrative:
ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: CA

Complaint narrative:
On XX/XX/XXXX I booked a flight to XXXX, XXXX, ( Ref # XXXXXX/XX/XXXX XX/XX/XXXX credit card statement ) with a travel agency I found online, XXXX AirTKT. I called the agent and I thought I booked a ticket and I gave them my credit card information and was charged {$1300.00}. He gave me a travel agency confirmation number but not a final confirmation for the airline. He promised to email this information to me immediately but I never received it. I called the travel agency several times on a toll free number they were able to see my number and was placed on hold for up to 15 minutes at a time, but each time the call was disconnected. On XX/XX/XXXX the third time of sitting on hold I decided to call Bank of American Credit Card division to cancel this charge. I then booked a flight with XXXX XXXX, Ref # XXXX. 
Several days after the charges were reversed, I begin to receive a flurry of unfamiliar phone calls from an XXXX area code. I dialed the number back and it was the travel agency and I explained to the travel agent that I had not received the information as promised and I had cancelled the flight reservation. I saved the voice mail from the travel agent saying that it was not a problem and that he would cancel the reservation if you care to hear it. 
I would not have booked a more expensive flight days later with XXXX XXXX had I received the flight information as promised or if someone had taken my phone calls, nor was I able to leave a voice mail.. I saved the voice mail from the XXXX XXXX agreeing that a refund was not a problem and that he would cancel the flight. I have recently researched this XXXX XXXX and have found out that this Company is not registered to do business in the XXXX of California. I have called XXXX XXXX six ( 6 ) times and now told me that too much time has passed after the refund was approved and refunded back to my Account. XXXX XXXX mailed a letter asking for my explanation of what happened but the letter was ( 2 ) two weeks old when I received it. Once I received the letter I responded in ( 2 ) two days and followed up with a phone call to get an Email Address or Fax number to send my response and I was told that the only way to return it was by mail. 
In conclusion, I would like to know how a major Corporation, Master Card and a XXXX XXXX is able to conduct business in California without being Registered to do business in the State of California or the united States, nor has a Registered Agent in California or the United States. I have no remedy to resolve this matter as I have called XXXX XXXX at least six ( 6 ) times. I would also like to know what my options are to remedy this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, Transunion and XXXX ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XX/XX/XXXX. i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, XXXX and Transunion along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, XXXX and Transunion. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}

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