vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There were six ( 6 ) companies that performed a HARD INQUIRIES on my Credit Report, on XXXX XXXX XXXX, and I did NOT authorize. They are : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I only authorized XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There were six ( 6 ) companies that performed a HARD INQUIRIES on my Credit Report, on XXXX XXXX XXXX, and I did NOT authorize. They are : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I only authorized XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I spoke with a XXXX XXXX rep by the name of XXXX on XXXX/XXXX/XXXX about a charged off Walmart card and was told that if I send them a copy that I paid the account off with XXXX XXXX XXXX they would send a request to the 3 credit bureaus to have the charged off account removed from my report. 

Its been a month since I sent them proof of payment and the account is still reporting negatively on my reports.

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 2017-12-12 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: Student Loan Care, LLC
State: NY

Complaint narrative:
In XXXX XXXX, I applied for the XXXX XXXX XXXX XXXX program offered to me through mail by Student Loan Care , LLC. They added a 3rd party company named XXXX XXXX to finance what I thought was my federal student loans being rolled over to their company to be repaid. I expected that my federal loans would be rolled over to XXXX XXXX, but unfortunately, I later found out that the {$1400.00} that I was to pay in payments of {$42.00} a month was actually a FEE for their so-called services. I called my federal loan servicer and they had never heard of these 2 companies and my accounts were not in any kind of process of being rolled over. They were deceitful in their information and I feel that I was n't fully informed when I signed the contract. I have a high amount of student loans, I work two jobs, and have a young family and I was desperate for help with my loans. I feel embarrassed and frustrated to have fallen for this scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
CFPB CASE # XXXX XXXX XXXX XXXX XXXX XXXX file suit on debt time barred. Judgement/Lien are preventing home mortgage refinance resulting in extreme financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was amazed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are a Freight forwarding company established in XXXX and based at XXXX CA. We have an account with Bank of America, XXXX CA. On XXXX XXXX, XXXX we transferred {$13000.00} to our own back office / customer service center based in XXXX. As of today XXXX XXXX, XXXX the corresponding bank in XXXX has not received the funds. We have made several contacts with Bank of America at XXXX CA in person and over the phone. Our last contact was with XXXX XXXX and all he kept telling us was to wait and see what happens. Bank of America has put a recall on the funds based on our request but is taking no responsibility for the funds. Funds were transferred using online service provided by Bank of America. 

We need your assistance.

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 2017-12-12 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: FL

Complaint narrative:
I have reached out by cerified mail and have even made phone calls to get these unauthorized inquries removed from my account. Yet they still have not removed the following inquries : XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, 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 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XXXX XXXX I purchased some cryptocurrencies on coinbase.com, then on XXXX XXXX I found out that my account has been disabled, I was not able to log into my account and withdraw those cryptocurrencies ( worth more than 2000 dollars now ), so I immediately sent Coinbase a ticket following their instructions @ XXXX XXXX XXXX Then I received an auto-reply from them telling me my case number : # XXXX From that day on, I 've been waited for 8 days and still nothing from them. Last week I figured out Coinbase 's support phone number and called, each time I stayed on the line for more than half hour, but the calls never went through. 

I 'm pretty desperate and angry right now. It seems like Coinbase does n't care about the customers like me. I know their support team is still functioning because several friends of mine tried to verify their Coinbase accounts last few days and their requests got proved immediately. So my conclusion is Coinbase choose to ignorant technical problems, they only respond to the problems that endanger their profits. 

I want my money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I had attempted to open an XXXX account at Wells Fargo in XXXX and they were suppose to move my current XXXX into their institution. They never moved the funds due to a technical error. I requested my money back to which they said they would. I forgot about the discussion, they sold my account to XXXX XXXX and now XXXX is threatening me for overdraft charges for an account that should not have been opened and have taken my {$100.00}. I would like my {$100.00} back as I requested within the first month of the account being opened. XXXX XXXX refuses to provide me the money even though they accepted the account and responsibility. They claimed Wells is responsible ; which is not an accurate statement as that does not absolve them from Wells actions.

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 2017-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Consumer Financial Services
State: IL

Complaint narrative:
Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX  illinois. 
I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. 
Now I just feel like I would never ever get a loan there anymore. 

Why would they add an insurance for a loan that 's so not good. 

I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I made a loan with XXXX XXXX XXXX in the amount of {$1200.00}. The company was operating out of a Advance America store in XXXX, Ohio. Believing it was a typical small loan with going interest rate of of 24 to 28 % I signed the contract. The payments are {$330.00} per month. After making five payments I decided to payoff the loan believing The payments made had brought the loan to a small amount. I was shocked to find I still owed seven more payments of {$330.00} which totaled XXXX. The finance charge is {$2700.00} @ a rate of 307.76 %. I contacted and complained to the service center @ XXXX XXXX XXXX XXXX XXXX. I then went to my XXXX XXXX and had a stop payment made on my auto withdrawal account. I also called XXXX hot line and was assured they would stop the payment and adjust the account. This occurred around XXXX/XXXX/XXXX. 
I received a letter from XXXX dated XXXX/XXXX/XXXX saying I was obligated to still obligated to pay the seven payments On XXXX/XXXX/XXXX I receive a letter from Advance America stating their company had assisted me in acquiring the loan and they were assigned my loan which had a balance of {$2100.00} owned to Advance America.. 

On XXXX/XXXX/XXXX {$500.00} was taken out of my bank account without my authorization .There was only {$5.00} in the account.causing it to be overdrawn for a minus - {$530.00} including fees. I went to the band was told they could not do anything because the Company had changed the withdrawal amount. 
the letter from XXXX states they are going to withdraw another ( 4 ) payments of {$500.00} from my account.. The bank is trying to stop this from occurring. 

I am XXXX XXXX XXXX and can not afford to lose the amount of money. This type of operation must not continue. Finance Companies should not be allowed to take advantage of those in need of of loans especially elderly and uninformed seniors. PLEASE HELP TO STOP THIS PROCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XXXX of 2017 I started refinancing my current residence with XXXX XXXX XXXX, the same people I have my current FHA loan with. We wanted a conventional loan with no PMI, and finally were in the equity position to do it. Fast forward to XXXX XXXX and the refinance is completed. Or so I thought. I started getting collection calls from Loancare, the loan servicer, XXXX XXXX that my loan was past due for XXXX. XXXX assured me all was well and to ignore for now. XXXX XXXX I was still getting collection calls. I spoke with the representative at the servicer, Loancare, who told me with XXXX the payoff could have been delayed. Then on XXXX XXXX I am told by my loan officer that the wrong payoff amount was wired by the settlement agent, XXXX XXXX XXXX, but it was corrected and will be done in 24-48 hours. A contact at XXXX XXXX XXXX tells me he has nothing to do with it although his name is on the closing docs. 
It is XXXX XXXX now and I still show a balance on my loan of over {$280000.00} and I am late for XXXX and XXXX. I brought a Cashiers Check to the closing table for any additional funds. I am being told the wrong amount is being wired by XXXX XXXX to XXXX to pay off the original mortgage. They are sending the amount on the Closing Disclosure and being told it is not enough. Then it takes 3 days for Loancare to tell XXXX XXXX the amount is incorrect and does not tell them the correct amount, even though it matches the Closing Disclosure. The XXXX at Loancare tells me to call the settlement agent and is unreachable by phone. Nobody at Loancare will clear this up. Please help me!

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 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I overnighted my flood insurance check to XXXX XXXX " XXXX '' along with a binder of receipts from contractors for labor and materials from hardware stores. Two weeks later, I called the XXXX XXXX to be told by the person assigned to my account, XXXX, that I needed canceled check proof of payment to the contractors in addition to their signed " paid '' invoices. Had I not called, when were they going to tell me this? 
I asked about the cash payments we had made to which she replied that the signed invoices had to say " Paid by cash '' and dated. Notwithstanding the failed logic of why a signed invoice is acceptable in one circumstance but not another, I emailed them the cancel check images to " XXXX '' on XXXX XXXX. Today, XXXX, I got an email telling me that they were sending out a check for {$19000.00} ( only for the materials ) out of over {$100000.00} of receipts and that my return XXXX label was unusable. I had spoken to XXXX ' XXXX XXXX last week about the XXXX  label which she claims was not usable because it had Cardinal on the 'From ' address. I generated the label from my corporate account and XXXX confirmed that I had generated it correctly yet XXXX told XXXX this morning not to use it in spite of my proof to the contrary ( sent web captures by email ). I mention this incident as an example of their capricious manner of their handling my reimbursement. The cancelled check proof I sent last week? XXXX just uploaded it to my account this morning and told me that it will take 72 " hours '' to have it reviewed. Their language is measured as if they say " hours '' it will seem less than the 9 DAYS she said it will take. Why will it take 9 days to match a paid invoice with a cancelled check? 
I have maxed out my credit cards and available cash to clean out my house, dry it out and start rebuilding. I need to be reimbursed what I have spent so I can continue with the rebuilding but Cardinal refuses to disburse the funds, even the 1/3rd that they initially told me was customary is not going to be disbursed. I need help to have them be more responsive. Having a natural disaster is one thing but being prevented from rebuilding because of a mortgage company lack of service is shameful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had authorize a stop payment to chase two months ago and theyre still charging my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Regarding Equifax credit report Dear CFPB, I am victim of identity theft. Someone got car loan with my details from XXXX XXXX XXXX. I sent all my documents such as SSN card, police report, drivers license and latest utility bill to three credit bureaus to prove that I live in my current address, did not buy any car in last 2 years, and so did not get any car loan from any financial institution. XXXX  and XXXX have investigated and removed the account from my credit report. However, Equifax is not removing the account from my file. I sent request to Equifax two times. They refused to remove the account from my credit file. Car seems to be bought on different address. Not my current address. I sent all documents to prove them that Im living in my current address for last two years and told them I didnt buy any car in last 2 years. I sent latest utility bills too. How can they add new address in my credit file in XXXX-2017 and send their credit file to my current address? It is odd. They sent credit file to my current address and added new address to the file. 
I have decided to bring this issue to your notice because Equifax is not going consider my request. Can you please work with Equifax and try to resolve the issue. I really appreciate your help in this regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
XXXX has failed to process my payment, as outlined in a letter sent to them on XXXX XXXX ( following, with name of banking institution deleted ). They keep sending one line " unable to locate '' and " unable to resolve '' letters, and keep adding charges. 

-- -- -Beginning of letter I dispute all the charges reflected on the attached bill. This credit card was not activated until XXXX XXXX, 2017. There can be no valid charges before this date on this account. 

I had a previous Barclay credit card, a XXXX XXXX card. I called to cancel the account because I didnt want an annual fee. I had already sent check # XXXX on ***** on or about XXXX XXXX for the full amount due on that card ( {$55.00} ). XXXX still has that check. It has never been tendered to my bank and it has not been returned to me. I was offered this new card with no annual fee and I accepted the offer. 

I was notified that my payment was overdue because Unable to Locate. When I called to inquire, I was told that my bank had been unable to locate my checking account on which the check was drawn. On XXXX XXXX, I went to the credit union ( where I have banked without incident for more than 20years ) and learned that the check had never been presented to them. 

That day, from the credit union, with the manager and my checking account numbers at hand, I called XXXX. XXXX told me that XXXX had been unable to process my payment because they did not know to which credit card account it should apply. At the urging of the XXXX agent on the phone, I provided all the information required to process the payment by phone instead of by check. He processed the payment and gave me the reference number XXX. 

When I finally activated the [ new ] card this morning, I saw Purchases of {$110.00}, and interest charges on overdue payments. 

I again called XXXX and spoke with XXXX, representative XXXX. She confirmed XXXX receipt of check # XXXX and of the phone payment under reference # XXXX. I cancelled the new XXXX account on which there has never been a charge. 

You still have my original check plus the reference number showing my good faith effort to remedy your error by providing a substitute payment by phone. The telephone number for XXXX XXXX XXXX is XXXX if you need help figuring out how to process one of the referenced timely payments. It is an unlawful debt collection practice to attempt to collect a debt that is not due. I expect no further collection attempt or adverse credit action. 
XXXX End of letter This week I received a new bill, this time for {$82.00}.

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 monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
I made my payment to this company on XXXX for the mortgage due on XXXX. I 've paid them every month and would be current and only have to pay for the month of XXXX. They informed me that they sent my payment to the originator of my loan without informing me or discussing the situation. The originator of my loan was paid in full with no money due, however The Money Source still states that I owe them. I 've have bank statements that prove I 've paid them and would only be due for the month of XXXX. They have reported these inaccuracies to the credit bureau which has harmed my credit.

Company response to consumer: Closed with explanation