vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On X/XX/17 I called Navient customer support to request cancellation of my automatic payments for the coming payments for my XXXX private student loans due in XXXX. It was acknowledged and understood by both parties that my request would be processed and take effect before the next loan payment due date of X/XX/17. On XXXX I discovered that my request had not been processed when I logged into my bank profile to see payments in the amount of {$180.00} & {$140.00} had been drafted from my account. I called Navient that day, X/XX/17, and I was advised that my request for cancellation had been received but not processed, I was not given a reason for their failure to do so. I was advised that I could receive a refund for the funds, but only if I submitted a letter of request for refunds, including a copy of my bank records. I was also told that when a refund was issued, my account would instantly fall into past-due status and a late fee would be assessed at that time. The only way to avoid that fee was to enroll in forbearance and pay a {$100.00} fee that day to apply for forbearance. I agreed to do so, in order to avoid an unfair late fee. On XXXX I faxed that letter and a copy of the bank records to the fax number provided by the Navient representative to XXXX. On XXXX I called customer support to check the status of the documents and was advised that no documents had been received. On that same day, I submitted the exact same document as the one faxed previously ( letter of request for refund and copy of bank records ) via the online upload tool Navient offers. On XXXX I called customer support to check the status of the documents and was advised that the document uploaded did not contain my banking records and therefore, my request for refund was not processed. After that conversation on X/XX/17, I uploaded another set of documents via the online tool Navient. This time with separate attachments, one showing the letter of request and the other showing bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
( On the Coinbase exchange ) I withdraw {$7100.00} on  XXXX / XXXX /   17  and got email saying I would receive funds to my bank account on  XXXX / XXXX / 17  I never received anything I have email coinbase support dozen times with no response ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells fargo is not reporting deposits in a timely manor.

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 2017-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I 've had issues with cavalry portfolio services. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My FICO score dropped drastically for no apparent reason. My FICO scores changed as follows : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 102 points ), XX/XX/XXXX = XXXX. <P/>These FICO scores were obtained free-of-charge through my XXXX account. After some investigation, I found that the FICO score is based on the TransUnion credit score. I checked the TransUnion score on XXXX XXXX and, sure enough, it dropped during the same time period. XXXX XXXX reported the following for my TransUnion scores : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 61 points ), XX/XX/XXXX = XXXX. <P/>I ordered a copy of my TransUnion credit report and can find no reason for the sudden drop in XX/XX/XXXX. I called TranUnion for an explanation but the person that I spoke to ( XXXX ) simply repeated that I would have to go back to the company that reported the negative information. I stated that there IS NO negative information based on your own report. She repeated the same answer several times as we went back and forth with this. I finally asked to speak to a supervisor. After being on hold for approximately five minutes, she came back on the line only to say that all the supervisors are in a meeting and she ould have one call me back. She confirmed my contact information and we ended the call. I have not yet received a call back from a TransUnion supervisor. <P/>I want to know why TransUnion dropped my score so drastically ( subsequently affecting my FICO score ) when there is no derogatory information on my credit report. I worked very hard to get my score where it was and I 'm looking for an explanation. If it is based on some credit behavior of mine, it is most definitely not apparent what that behavior was since there has been NO derogatory behavior on my report in the last five years! <P/>I will provide my full TransUnion credit report ( dated XX/XX/XXXX ) upon request ; I 'm not comfortable submitting it through the web portal.

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 2017-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
On XXXX XXXX, XXXX, I applied for a payday loan for {$2600.00}. I have been repaying that loan back since XXXX XXXX, XXXX. I have {$200.00} withdrawn from my checking account every 14 days. I can no longer afford to pay this loan. To date, I have paid {$4800.00}. I have paid back my loan and then some. I made 2 attempts to resolve this issue. I made the first attempt on XXXX XXXX, XXXX and the second attempt was made on XXXX XXXX, XXXX. I asked after the withdrawal made from my checking account was made on XXXX XXXX, XXXX, if I could settle this account with a balance of {$4800.00} because I can no longer afford the payments. They apologize and said they need all of their monies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Without any notification, requested documentation, explanation or warning my account access was restricted, then this account was closed. Only after it was closed did I receive a letter from USAA stating it would be closed in violation of the consumer protection laws and Regulation Z. After inquiring the reason for this action, I was told they did n't know. The letter stated improper use, to which I requested clarification on as I have not done a single thing with this account from the date of opening. I 've received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, I received an email from Simple Bank and was told my account is being closed. They will not allow me to pull the funds from my account and are saying they will send me a check at some time. They will not give me a time when the check will be sent. The account has always been in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
IN RESPONCE TO THE LETTER RECEIVED FROM YOU DATED  XXXX   XXXX , 2017- YOU STATE THAT YOU HAVE PREVIOUSLY ADDRESSED THIS MATTER WHICH IS A LIE. I 'M INCLOSING THE EVIDENCE! WELLS FARGO IS REPORTING THIS ACCOUNT #  XXXX  TO  XXXX  WELLS FARGO IS REPORTING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT TO   XXXX    WELLS FARGO IS REPORING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT PAYMENT SCHEDULED SHOWS ALL PAYMENTS RECEIVED FOR EACH MONTH REPORTED LATE ... ... ..   I HEREBY DEMAND YOU TO DELETE THESE ERRONEAOUS LATES FROM THIS ACCOUNT FROM MY CREDIT REPROT FROM ALL CRAS, AS THIS ACCOUNT IS IN VOILATION OF FEDERAL STATUTES AND SHOULD NOT BE DAMAGING MY CREDIT IN THIS WAY!

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 2017-06-23 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: IN

Complaint narrative:
I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: IN

Complaint narrative:
I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....

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 2017-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: SD

Complaint narrative:
I made the  XXXX     2017  payment. US Bank stated I did not make the payment.   XXXX  I provided a canceled check showing them cashing the check and receiving the funds but they refuse to credit the payment to the account.   XXXX  They are now reporting me late to the credit bureau and charging late fees.   XXXX  I filed a dispute on  XXXX . They said it would be fixed and resolved by  XXXX  but as of  XXXX  after spending  40  minutes on the phone it 's still not solved.

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 2017-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Since Monday  XXXX   XXXX ,  2017 ,  Barclays is not provided internet ( PC ) access to our online savings accounts. We have had 3 phone calls with Barclays customer service. Each time, the Barclays representative says that a trouble ticket has been entered and that someone would address the issue, and contact us. During the last call, we told Barclays that we would file a complaint with CFPB if they did  not address the issue. As of  XXXX   XXXX ,  2017 , we have received no contact ( phone or email ) from Barclays and we remain locked out of our accounts.

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 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I applied for t he Chase  XXXX  cre dit card several months ago and met all the requirements for the bonus. I also added an authorized user, and according to the terms that same authorized user made at leas t 1 p urchase and I was supposed to get  XXXX   XXXX   XXXX  for this. I never receive these authorized user points. At first they told me I did not qualify for it and told me to add another authorized user. After they did actual research on this, they realized i did indeed have an authorized user and that he made  1 pur chase on the card and that I should be receiving the  XXXX   XXXX   XXXX  on my account by  XXXX / XXXX / 2017 . Its  XXXX / XXXX / 2017 , my statement posted and no  XXXX  points. This is super frustrating because I followed the terms completely and I am trying to book a trip this   XXXX   and I ca n't because they wont give me the  XXXX  points that I deserved according to the terms and conditions. They need to give me the  XXXX  points and figure out a way to make this up asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Automatic Data Processing, Inc.
State: OH

Complaint narrative:
On XXXX XXXX,2017 the employing company agents ( Plant Manager and Controller ) asked me into an office where they proceeded to tell me that I was being put on administrative leave of absence due to my criminal records check being too extensive. After being told to produce a written statement in dispute of the item ( s ) and being escorted from the premises, I read the report which gave information pertaining to a record nine ( 9 ) years old. The State of Ohio laws allow records searches to go back for seven ( 7 ) years ONLY. Thereby the reporting company ADP put my career at risk by reporting information that is too old and redundant. The employing company, XXXX XXXX, has negated from correspondence and rehire.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have signed up for a service through  XXXX  that basically is pay day in advance service. My bank does not update my current bank account t balance in a timely manner. As of right now, even though the  XXXX  dollars owed to  XXXX  have already been debited, Activehours do n't get timely updates about me getting paid and my current balance ... which is hendering me and my services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On X/XX/17 is when I began short sale application process. On X/XX/17 is I contracted with a listing agent to coordinate short sale. From XXXX am accessive amount of multiple tedious tasks were requested by Wellsfargo where the realtor and myself were responsive and thorough. On X/XX/17, the requirement to have the pre foreclosure sale addendum signed by 6 different parties without acceptance was completed which is the final and most challenging task was submitted in time. Signatures included the realtor, the realtor 's broker, the buyer, title agency, the short sale assistant, and finally myself. I 'm the midst of all of that Wellsfargo mandates the listing price of less than 30 % market value which stimulated a frenzy. The last and final date on X/X/17, Wellsfargo mandate a listing price of {$130000.00} which is {$81000.00} more than the initial listing which cause stress, frenzy, and unnecessary buyer chaos. Ultimately Wellsfargo sold the property at auction.

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 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Good Evening- Per active hours my bank account does n't update fast enough. Also says my bank is n't fast enough updating my information. For example, today it says my bank account to too low, as in there is no money in my account, to cash out but I received my paycheck today and my bank account is. It in the negative.

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 2017-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I 've had issues with XXXX XXXX XXXX. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The bank charged towards my checking account two inquire fees, that was not correct. These fees are for {$2.00} each, and are stated as balance inquire fees from a XXXX XXXX XXXX  in XXXX, Wisconsin XXXX XXXX XXXX XXXX These inquire fees are listed on me account statement : XX/XX/2017. There are 9 total statements going up, they 've posted a - XXXX balance at the top of my account statement, as I attempted too resolve this matter w/ the rep 's at the bank, they agreed to reverse the fees that I originally wanted to dispute w/ the correct department, but I was not successful. This then posted a balance of XXXX in my checking account. I figure that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin should have had a fee that would have been posted and was not present on this particular statement. From my experience these representatives at the Wells Fargo bank reversed the fee that they originally assessed towards my account and from the - {$3.00} to a XXXX. is what you 'll see.

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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Company is reporting late payments on 10 student loans and they are in deferment

Company response to consumer: Closed with explanation