vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case number : XXXX Amount Disputed : {$14.00} Received a food delivery order from this merchant, immediately, after receiving order noticed an error with one of the entrees. Called merchant on same date of purchase, spoke to XXXX at the merchant and asked for either the proper item be redelivered to me or a credit issued to my payment method. The individual hung up the phone on me! Was provided a lengthy document to fill out from Capital One, this was faxed- see attached pages. Obviously, the merchant has no interest in rectifying issues in which they have caused, leaving me no alternative but to file a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC
State: UT

Complaint narrative:
These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. 

They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. 

The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. 

These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. 

I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for 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 2018-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP MORGAN CHASE AUTO FINANCE DEPARTMENT APPROVED {$18000.00} ,72 MONTHS TERM .ON XX/XX/2017 I PUCHASED A XXXX XXXX XXXXXXXX XXXX AFTER PRINTING THE APPROVAL AND TAKING IT TO XXXX XXXX . 
CHASE SENT A NEW LETTER TO ME ABOUT THE LOAN STATING XXXX XXXX HAD THE AMOUNT WRONG AND THEY WILL NOT FINANCE {$18000.00}. 
XXXX XXXX FINANCE DEPARTMENT STATED CHASE PAYED THE {$18000.00} IN FULL. 
I NEED TO UNDERSTAND WHAT ARE MY TERMS AND THE CORRECT AGREEMENT FROM JP MORGAN CHASE? 
NO ONE CAN TELL MY THE CORRECT AMOUNT IM PAYING MONTLY? 
AND AFTER THE LOAN IS PAID OUT WILL I STILL OWN FOR MY TITLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
To whom it may concern, I am writing you because XXXX XXXX XXXX has giving me a hard time trying to apply for a loan modification. It is more than 6 months trying to get help save my home. 
I called XXXX XXXX XXXX who is my lender asking for help because the 3rd income that I had moved out and that cause a big hardship on our income. 

Now we are 4 month behind and XXXX XXXX XXXX trying to get a loan modification, XXXX XXXX XXXX keeps telling me that they are not going to help me because the Investor of my loan is out on vacation and returning until XXXX. 

This is ridiculous to me since its almost 1 year seeking help and still no results. 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: FL

Complaint narrative:
I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My rewards account, consisting of over XXXX points has been locked by American Express with no communication since XX/XX/XXXX. American Express Membership Rewards Customer Service XXXX XXXX stated on XX/XX/XXXX that this lock is indefinite with no resolution time frame. He submitted a ticket to get resolution, but I was told it could take an additional 4 weeks ( by one of their supervisors ) to respond to the ticket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX we closed on a Home Equity loan as a refinance of our original mortgage issued in XX/XX/XXXX. This Home Equity loan on XXXX XXXX XXXX XXXX PA XXXX, was for the total amount of {$230000.00}. It was written by PNC Bank Mortgage loan officer XXXX XXXX, out of the XXXX XXXX XXXX XXXX office ( I'm not completely certain that this was the branch he worked out of ). 
At the time, he told us that we were getting a 15 yr. mortgage. At no point did he inform us that we would have a balloon payment of {$160000.00} due at the end of 15 years. At no point in the 15 years that we had this loan did PNC communicate to us that this balloon payment would be coming due in XX/XX/XXXX. In fact, the only way we discovered this was through our online banking portal. The payment due changed on XX/XX/XXXX from the typical {$1300.00}. to {$160000.00}. 
THIS IS PREDATORY LENDING. We have faithfully made our payments for the past 15 years, and now PNC expects us to come with a lump sum of XXXX? We need to have the loan modified in a reasonable and affordable way. So far PNC has NOT cooperated, we applied for a refinance and were told we did not quality - due to income and debt requirements. We own a small business and have cash flow problems. But we HAVE always made our mortgage payments. When we inquired about our options at PNC were advised to let it go delinquent and then do a " work-out '' we do not want to go delinquent and have our credit ruined. This is inexcusable. 
Please require PNC, a multi-BILLION dollar company, to do the right thing and modify this egregious loan product that should have NEVER been issued, and should have come with many, many communications about its payment structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
For at least 10 years I have been hounded about money owed on a XXXX account. I never opened a XXXX account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a job and the only way Experian will allow account cancellation is via phone - each time I cal they say a 2 hour wait and before I am connected the line goes dead - there is no way to cancel!!!!!!

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 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alco Collections, Inc.
State: MI

Complaint narrative:
I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. Synch /XXXX XXXX XX/XX/XXXX 10. ) Synch/ XXXX XXXX XX/XX/XXXX 11. ) Synch/Wal-Mart XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to a restaurant for lunch, by myself, with no way to pay except my debit card. 

When the time to pay came, I gave my card but it was handed back to me as not working. 

I called the bank, and they told me that my card had been turned off, and there was no way to turn it back on. I asked why, and they said that " a merchant had been compromised '' and so they turned the card off. 

There's no way for the card to be turned back on, there was no replacement card sent, and there was no notification that the card was going to be turned off, despite their assurances that a notice was sent. 

They left me with no option to pay, they wouldn't forward the money for my meal from my account to the restaurant ... how was I going to pay for this meal? They left me completely stranded and without means to pay. Its humiliating, inconvenient and ridiculous. Surely that is not the first time that has ever happened. Why would you turn off one card before another is activated?

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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.

Coinbase is not answering the phone and the web support is unresponsive.

As of now Coinbase owes me {$200.00} and an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: AES/PHEAA
State: MI

Complaint narrative:
In the summer of XX/XX/XXXX, the federal student loan provider was changed from XXXX to XXXX. All my information was transferred from XXXX to XXXX. However, the information which was pertinent for Income Driven Repayment ( IDR ) was not transferred, and XXXX is unable to let me know any details as to why my payment was calculated at $ XXXX/mo with XXXX, and that their calculation method was the same, but my payment is now $ XXXX/mo despite earning less money. According to XXXX 's version of my monthly payment, I was to pay {$50.00} per month. The information that XXXX used was in accordance with my XX/XX/XXXX XXXX. I earned around {$59000.00} AGI on this statement. When my loan was transferred to XXXX, I had to re-certifiy my IDR for this year. To do this, I submitted my XX/XX/XXXX XXXX, where I made {$10000.00} less than XX/XX/XXXX. XXXX says my new payment is around 130 % higher than what I was paying ( {$130.00} ). This is despite earning less money. I have spoken with numerous representatives, and they will not allow me to go past the given representative. No one will give me a good reason as to why my payment went up because they " dont know what XXXX did ''. If XXXX calculates the same, my payment should really have gone down as I earned less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $  XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.

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 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: WA

Complaint narrative:
This company is attempting to collect a debt that is 9 years past and has exceeded the limited time to collect and sue. They know that but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For at least 10 years I have been hounded about money owed on a Lowes account. I never opened a Loews account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.

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 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Capital Recovery LLC
State: OK

Complaint narrative:
Niagara capital recovery call this morning refused to identify the nature of call or address of company tell intimate information was given stated that I was not given out my social to them and was immediately told he couldn't disclose information with out verification of who I was. That he only need the last four. So I  gave him it to figure out what the calls were all about he then told me I was being sued and needed to contact the local police station that the carrier will be at my home address or place of business within 48 Hr s I then asked him to verify him and also stated that I was also recording the phone call he then begin  to get hostile and said I don't need to verify myself I told you I'm XXXX XXXX with Niagara capital recovery and that he had all of my information that if he wanted he could get alot more money then  {$150.00} I asked him if that was a threat he laugh I then told him I didn't trust him or his company and that there is so many scammers and scams going on he then said I'm try to help you all we need is a payment arrangement linked to your bank account I said no then he proceeded to scream at me and I hung up.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/2018, there were 5 forced debit card transactions posted to my account from Coinbase. All 5 were duplicate amounts from previously charged purchases. These amounts were {$490.00}, {$650.00}, {$700.00}, {$750.00}, {$750.00}. I was unable to reach customer support via telephone due to call volume after waiting an hour on hold. Further support request via web support only resulted in an email notification of the problem stating : " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
We closed on a residential home loan on XX/XX/2012. The original purchase price of the home was {$330000.00}. The market was rebounding and the appraisal came in extremely low at {$340000.00} and so Private Mortgage Insurance was assigned to our loan for a term of 5 years or until the loan was paid down to 80 % of the appraisal value. The loan contract specifically states that the buyer is entitled to pay for a new appraisal after paying 60 consecutive payments. However, the contract stipulates that the lender ( LoanCare ) gets to choose an independent appraisal company of their choice.

We have contacted the LoanCare on multiple occasions requesting that they schedule an appraiser and let us pay for the new appraisal.The property is now estimated at an appraisal value of {$600000.00} and we owe {$290000.00} on the mortgage. Currently, our loan to appraisal value is approximately 48 %. However, the lender will not respond to our requests except to send letters that say, " We have received your request and will be in touch with you in 3-5 business days. '' LoanCare fails to follow through and they keep billing us $ 379 monthly in private mortgage insurance. They are not honoring the contract.

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 2018-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AA

Complaint narrative:
On XX/XX/XXXX I received an extremely opaque notice ( see attached ) saying that, as a result of a review of my student loans, the overall balance of the loans had been adjusted upward. The letter provided no additional useful details and did not even provide information on the difference between the new and old balances. In a subsequent call with the loan service provider, Pennsylvania Higher Education Assistance Agency, I was told that the upward adjustment of the loan was the result of a realization, four years after the fact, that XXXX had failed to capitalize the interest on one of my loans. They were unable to provide an exact date on which the capitalization was supposed to have occurred but thought it was sometime in XX/XX/XXXX. On the phone, XXXX was also unable to provide more detailed information about the exact amount by which the loan had been adjusted. Based on my cursory review of the loan history, however, it looks to be a difference of approximately {$10000.00}. I find this to be unacceptable, and frankly think there should be some kind of statute of limitations given that XXXX did not realize its own mistake for more than four years. This  completely calls into question the ability of XXXX to manage student loans and to be a good steward of debt owed to the federal government.

Company response to consumer: Closed with explanation