vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Someone took an Advance America account in my name they got a payday loan with my name and I had a fraud alert on my file on my credit report and they went through with it anyway without calling me to verify who the owner was I never got a payday loan with Advance America and they will not help me

Company public response: Company can't verify or dispute the facts in the complaint
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: NH

Complaint narrative:
On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
For the past year, I have continuously disputed the referenced account with the three credit bureaus. All medical bills should have been covered by my health insurance at the time. I was receiving medical assistance through the state of Pennsylvania during the DOS. This bill is not my responsibility. I sent several disputes to the agencies and they have failed to provide validation of the debt, the account was removed from two of the credit bureaus but it is still being reported on my XXXX credit report.

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I am trying to refinance ; I locked in a rate over a week ago.

I currently have my mortgage through Ditech. The title company requested a pay off quote from Ditech 2 weeks ago.

Nothing was received.

I called Ditech on XX/XX/18 for the payoff and they said 3-5 business days.

We have called them daily, no payoff.

In addition to the title company and new lender calling daily, I called yesterday and spoke to XXXX and explained the situation yet again, she was escalating to her supervisor and would get the document sent over yesterday. We still dont have it.

I attempted to print it online but it said a payoff is not available for my account.

My new rate is expiring.

Company public response: Company believes complaint is the result of an isolated error
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 was result of identity theft
Company: IQOR US INC
State: FL

Complaint narrative:
Allied Interstate sent a letter ( XX/XX/XXXX ) regarding a debt we disputed on XX/XX/XXXX when they used one of their other companies ( XXXX XXXX XXXX ) and used a different reference number. We explained that the original debt was disputed with the original debtor ( XXXX XXXX XXXX ) due to identity theft and fraud that the company refused to address, refused to cancel the card, and had the audacity to add late fees, over the limit fees, and even continued to increase the credit limit ( which was {$300.00} ) to {$900.00} to be able to include the fees. Allied Interstate now has sent another request for payment for XXXX XXXX XXXX, another of their companies. We have disputed this debt with the credit bureaus, the credit card company, and the police department, but it does not stop any of them from sending more letters demanding payment and threatening to affect my credit score, which has already taken a horrible hit since XXXX XXXX dares to say I am in default. This has affected my ability to obtain employment. This has gone on since XX/XX/XXXX and they continue to come at me repeatedly under a new name. This is just beyond frustrating. I don ; t know who else to turn to since even when you write and dispute a bill they just change name and start all over again.

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: 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: GA

Complaint narrative:
In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize. 
Two weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report. 
Once I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve. 
After the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report. 
It has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.

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 — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
{$13000.00} was debited from my checking account TWICE by Bank of America to pay my card balance in full - once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX to have the excess payment of nearly {$14000.00} refunded to me they told me it would be 5-7 business days because it was such a large amount. That's ridiculous, but I was willing to deal with the policy. When I called again on XX/XX/XXXX to check on the status, they again said it would be 5-7 business days. I confirmed that this meant it should be refunded by XX/XX/XXXX, and they concurred. 

On XX/XX/XXXX it had still not been refunded to me. When I called again, they then stated that instead of the original 5-7 days, it would now take 10-15 days because the amount was so large. It does not take 10-15 days for funds to be credited in the current electronic banking environment. When they mistakenly took an additional {$200.00} dollars out of my account on XX/XX/XXXX, I called the same day and the funds were back in my checking account on XX/XX/XXXX. 

Clearly it does not take 15 days to confirm receipt of funds. Keeping almost {$14000.00} of my money for 2 weeks is nothing short of theft.

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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
Coinbase will not let me access my account which has more than 18,000 $ in it. When I try to login it says " Your account has been temporary disabled, please contact support ''.

I have contacted them on XXXX, by phone, by email, on reddit and directly via hand written letter and have not gotten any response back to why my account was locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Have attempted to remove an old bank account from my profile after successfully setting up auto-pay with my current bank account. Navient withdrew incorrect amount XX/XX/XXXX ( {$24.00} ) although I am scheduled to pay {$270.00} ( which changes with interest rates month to month ) each month via auto-pay. Incorrect autopay amount rectified as of XX/XX/XXXX but, in attempting to remove the old bank account, my autopay ( with the correct/new bank account ) was all together cancelled in error. Have contacted representatives at the NJ office XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Representatives have advised that tickets will be sent to their " back office '' to rectify the issue ... no return call/correspondence/resolution of the issue. I have come to the realization that there is nothing I can do to fix any sort of problem with this company.

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: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX. 

My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more. 

It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice. 

What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria. 

Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a collections manager. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a collection manager. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a collections manager, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is showing that I owe {$350.00} on a revolving account. They are reporting it to be in a Negative status. The account was paid of in XX/XX/2015. They refuse to change the status and it is affecting my credit in a negative 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 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX has placed an illegitimate debt with Convergent ( a debt collector ). 

On XX/XX/2017 at XXXX XXXX, I called and some to a representative named " XXXX '' with the service code " XXXX ''. After stating that my account was cleared, there was a XXXX balance and I would incur no charges XXXX refused to transfer me to a supervisor after several requests so that I could confirm the XXXX  balance. 

Since then, they have placed a debt for collection, presumably reported to credit bureaus, all in direct contradiction of their own representative and to the detriment of my credit history and continual harassment by a debt collector attempting to collect a charge that XXXX XXXX own representative says would not be charged and refused to confirm with a supervisor

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 — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Date : XX/XX/2018 RE : Complaint ID XXXX To Whom It May Concern : Thank you for your vital assistance regarding complaint XXXX, Chase /Student Loan Division. 
However, the correspondent, I received from XXXX XXXX XXXX, Chase, Executive Office on XX/XX/2018 did not address my concerns. 
I understand the debt was cancelled, yet when I was financial able to pay on the loan Chase refused the payment, nor would they reinstate a payment plan. 
My question is is it company policies or federal regulations reasons why Chase would not accept payments, after the XXXX was issued. 
Regard, XXXX XXXX P.S. My original concerns did not have anything to do with credit reporting procedures.

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: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In the past two years capital one inc is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX   and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

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

Complaint narrative:
City property taxes were received in XX/XX/XXXX and sent to my mortgage loan servicer, LoanCare, LLC., on XX/XX/XXXX. Payment due by the end of XX/XX/XXXX was not dispersed from my escrow account to cover my city taxes. Additional follow up emails and phone calls were placed with my loan servicer and I was told that the issue would be resolved. In XX/XX/XXXX, I received a notice from the City of  XXXX that my XX/XX/XXXX payment was not received and that the property taxes incurred approx. {$100.00} penalties and interest and that both installments ( XX/XX/XXXX. and XX/XX/XXXX. ) of my property taxes are due by the end of XX/XX/XXXX. The notice that was received in XX/XX/XXXX has been sent to LoanCare , LLC on XX/XX/XXXX and I was again told that the issue would be taken care of. This morning I noticed that the servicer of the loan has dispersed a portion of the money in escrow back to me in the form of a refund for escrow overages and now there is insufficient funds in escrow to pay property taxes and home insurance by their respective due dates. This loan servicer pulled the same thing on me last year with my county property taxes and I ended up paying an additional {$100.00} out of my own pocket to pay the taxes that were overdue by 4 month. It should not be this difficult to get a loan servicer to do the job they are required to do by federal regulation.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX, I sent a request for mortgage assistance to my mortgage servicer, Caliber Home Loans , Inc.. They received my request but told me that my request was incomplete and requested I send the more paystubs and bank statements. I promptly sent the requested documentation. A short time later I called Caliber and they informed me that my request was complete and I was being reviewed for a modification. Next, I received a Notice from Caliber 's attorney that they were foreclosing the mortgage and auctioning my house off. I repackaged my modification request and resubmitted everything to Caliber on or about XX/XX/XXXX. Caliber requested additional documentation in the form of bank statements and paystubs which I prompty sent to them. They acknowledged they had a complete package for loss mititgation review and postponed the forclosure scheduled for XX/XX/XXXX to XX/XX/XXXX. At the end of XX/XX/XXXX, I once again called toncheck on the status of my request and was told by Caliber that my request was not complete and that they were moving forward with the foreclosure in complete contradiction to what they had told me in XX/XX/XXXX when they agreed that my package was complete and postponed the foreclosure sale. 

I believe that Caliber Home Loans, Inc. does this type of " bait and swkitch '' tactic routinely to its mortgage servcing customers and they should be punished for this type of dispicable behavior. I am certain that my case is not an isolated incident and I hope that the Consumer Financial Protection Bureau will throroughly investigate my complaint so that Caliber will cease doing this to me and others affected similarly.

Company response to consumer: Closed with explanation