vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 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: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to Green Tree which is now DiTech. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, DiTech keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know Green Tree/DiTech had a case against them due to this very issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems sent debt to 3 credit bureaus for amount {$340.00}, date of service X/X/2016. I explained I was n't seen at XXXX Medcial Center. And could they please forward me validation of signature also identification. They advised no they do n't have information.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have no liability with XXXX due to an asset amount of over XXXX XXXX with XXXX. My credit file should be empty. The last authorized inquiry was on XXXX-2017 with XXXX XXXX. A recent unauthorized inquiry was with XXXX on XXXX-2017 for a vehicle that was purchased with my business account information without my consent. Please investigate. Student loans have been advanced by XXXX XXXX and 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 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Calling 3 times a day on both personal phone and work phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: OK

Complaint narrative:
I contacted XXXX XXXX XXXX To set up a payment plan too pay off a {$5100.00} debt for the AAFES Military Star Card . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the Military Star Card. So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated. Thank you

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 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2017 at XXXX I initiated a transfer on Coinbase exchange of XXXX XXXX from my Coinbase Multi-syg vault to my Coinbase XXXX wallet. My intent was to transfer this amount to my XXXX Wallet and then transfer off the exchange prior to XX/XX/XXXX, in order to receive XXXX  currency during the XX/XX/XXXX XXXX XXXX. Coinbase previously sent instruction that if users wanted to obtain XXXX currency they would need to transfer money off the exchange as Coinbase was not supporting XXXX. Legally it is questionable whether Coinbase has the ability to even withhold XXXX. Common law dictates that products of an asset belong to the owner of the original asset. Furthermore, Coinbase, Inc has not explained what it plans to do with the valuable XXXX tokens it acquired following the hard fork. However due to Coinbases ' instruction, on XX/XX/XXXX, it led me to transfer the funds on two occasions from my Coinbase vault to my XXXX wallet using the protocol offered by them. However, on both occasions I received an error message when I clicked the approval button. In response, I decided to cancel the transfer the coin, while I obtained customer support ( I clearly stated in my customer support ticket on XX/XX/XXXX that my intent was to secure XXXX currency ). After canceling the transaction by selecting the cancel option I received a confirmation email to confirm the transaction was canceled. However, since that time my XXXX multi-syg vault and XXXX wallet both show {$0.00} balance and I have lost access to the XXXX XXXX funds. My account continues to show the transaction as waiting for approval yet provides no options. I have written numerous support tickets in an attempt to resolve the issue, that have not been responded to by Coinbase support. I attempted to use XXXX mult-syg tool in order to also obtain access to my multi-syg vault, using my public/private keys yet the tool was ineffective. I repeatedly wrote tickets to XXXX support for over 5 consecutive days yet have received no response other than an automated response acknowledging receipt of ticket. Due to Coinbase negligence and unresponsiveness I was unable to gain access to my funds prior to the XX/XX/XXXX XXXX and therefore unable to obtain my XXXX coins. It has caused me significant emotional stress and inability to utilize my funds.
I still have not heard back from Customer Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: IA

Complaint narrative:
I took out a student loan in 2004 about {$26000.00}. I have been making payments over 20 years and they say I still owe XXXX. I disagree as I have been making monthly payments of {$190.00}. Every time I call and try to find out what is going on I get the run around. I need my password which I do n't remember. To set up a new they have security questions which I do n't remember the answers to. I have all the info to identify myself but they say no they will not speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
X/X/2017 Attempted to login to CapitalOne website to pay my bill. They re-vamped their website and asked me to verify some additional information such as home phone, work phone, cell phone and e-mail address. I 'm ok with that. Scrolling down, they now wanted an update on my yearly income and my employment status. The following is a copy/paste directly from their login screen : We use income information for ongoing card account management purposes, which may include consideration for a future credit line increase. You may include : 1. Personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividend, retirement, and public assistance. 2. Shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else 's income that is regularly used to pay your expenses. Total Annual Income* $ *Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repayment. Employment Status I called Capital One and complained because I 'm an existing customer for over 30 years and all I wanted to do was pay my bill online. They told me this was FEDERAL LAW and I had to update this information in order to pay my bill online. I escalated to several " supervisors '', but it 's like talking to a wall reading from a script. I have no interest in a credit increase and absolutely no desire to allow them to manage my account. I manage my own account. If I had requested a credit increase or some other product, I could see that they would ask me for this type of information, however, I have not requested anything. I JUST WANT TO PAY MY BILL ONLINE WITHOUT GIVING THIS TYPE OF PERSONAL INFORMATION. THIS IS A VIOLATION OF MY PRIVACY. I have never been late with a payment and usually pay them over the minimum due. Their resolution to the problem was for me to enter inaccurate information, like {$0.00} for income and Unemployed or whatever other reason I choose. This would allow me to bypass the screen and continue on to pay my bill. This makes absolutely no sense. Would Federal Law allow you to lie about your income and employment status? This is some sort of phishing scam direct from Capital One. NONE of my other creditors have asked for this type of information when paying my bills online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing because my wife and I have an auto loan w/ Ally Inc. We received a letter about the class action suit for giving higher rates to minorities. We entered in to the suit. I heard it was settled and we never heard anything about it again. Ally wo n't tell me anything. Well, they will tell me nothing is noted on my account. I would like to know something. Please help.

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX. I opened a checking account with your bank at the beginning of XX/XX/XXXX of this year. I opened the account using the promo code XXXX XXXX, which advises that I would receive a {$400.00} dollar bonus once I have received two direct deposits of {$250.00} or more within 60 days of opening my account. After setting up the account, I called to confirm my account status and spoke with a representative who verified my information and assured me that my debit card will arrive via mail. I received my debit card and I received two deposits within the 60 day time frame. On XXXX XXXX, 2017, after my second deposit posted I called once again to confirm the status of my account and spoke with a representative named XXXX. Im employed in the legal field so I was sure to notate who I was corresponding with in regards to the matter. XXXX stated verbatim that he saw where my promo code was entered in the system and assured me that my bonus would post within the upcoming week and if I didnt see any activity to call back for assistance. After being informed by two of my colleagues that their bonuses had posted to their account, I called back on XXXX XXXX, 2017 and spoke with another representative named XXXX. XXXX stated that the promo had expired and he could not be of assistance to me. I then asked to speak with a supervisor regarding the matter. For security purposes, my information was verified and I was connected with a supervisor named XXXX. I explained the matter to XXXX who informed me that the offer had expired and was not valid in my area. I explained to XXXX that two of my colleagues had received their bonuses along with thousands of other residents who were not in the targeted area. He had no rebuttal for that information and stated he couldnt explain the reasoning behind them receiving their bonuses. XXXX then asked me to confirm the eligibility requirements that I received by email prior to opening up the account and confirmed my information to be truthful. He then asked if I could be placed on hold to look further into the account to see what could be done to assist me. After reconnecting with me on the call he stated he could offer me a {$100.00} credit for the inconvenience. I explained to him that I appreciated his customer service, but I was not satisfied with the outcome. I also stated that I took the correct steps to open the account in a legit manner and should have receive the bonus as well. He agreed. I explained to him coming from a legal background that it is not good business to mislead consumers and I was very unsatisfied as a new account holder. I took all the proper steps and should be compensated correctly for signing on with this bank. I also referred a family member. I believe this matter is highly unfair as a business and Im requesting to be compensated for the {$300.00} remainder of the promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed a Federal Consolidation Loan Application and Promissory Note. That note stated " Except for any portion of the Federal Consolidation Loan attributable to a HEAL Loan, this loan will bear interest at an annual rate that is fixed for the term of the loan. '' The initial interest rate of the loan was originally 4.875. It was subsequently reduced to 3.625 upon my enrollment in an automatic debit plan. I started to notice on the monthly statements that the balance of the loan, after deduction of the amount applied to principal, was less than the balance Navient was providing. I sent many inquiries to Navient regarding the discrepancy, receiving no direct answer that explained the discrepancy. On XX/XX/XXXX, I contacted Senator XXXX XXXX office regarding the issue. The Senator 's office referred me to Federal Student Aid, who advised me to take the steps that I had already taken. My letter to that agency, dated XX/XX/XXXX, received no reply. On XX/XX/XXXX, I contacted Representative XXXX XXXX 's office regarding the same issue. That office contacted the U.S. Department of Education, receiving no response. On XX/XX/XXXX, I received a letter from XXXX XXXX, Office of the Customer Advocate at Navient, with a history of my 10 years of timely payments ( now 11 years ) and the following formulafor the calculation of interest : ( Unpaid Principal x Interest Rate ) divided by 365.25 =Daily Interest Daily Interest x Number of Days = Interest Due I telephoned Navient today, XX/XX/XXXX, regarding the same issue : the computation of interest used by Navient is not that to which I agreed to in the promissory note. I was told that Navient 's computation is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been contacting XXXX for weeks now trying to get this one inquiry off my file that I have no knowledge about. I Pulled my XXXX credit report in XX/XX/XXXX. I contacted XXXX  immediately once I seen this unauthorized inquiry. XXXX forward me to the creditor ( Wells Fargo Auto ) but they are not providing me with proof that I made this inquire. Per XXXX they are not able to remove this inquiry. I advised them I never authorized this inquiry. I am asking for proof where I made this inquire. The XXXX rep said it will soon fall off my credit report which I feel as though its wrong to say because I did not make this inquiry. This inquiry is hurting me from acquiring new credit lines. The inquiry is WFB Auto ( 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 explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Upon pulling my Annual Credit Report i have noticed a listing with XXXX credit bureau from Eastern Account Systems for XXXX. The listing stated under the comments that is was for XXXX XXXX service. I submitted a dispute with XXXX Credit bureau because i do not recall ever owing a bill to XXXX XXXX service provider. I have recently acquired an account with XXXX XXXX for Internet and cable services. Upon applying for service the representative pulled my credit to be sure i would get approved for service with them. I told the representative about the alleged bill with Eastern Account Systems that is listed on my credit reports for an account with them and asked would he be able to see if i owed them a balance internally. The representative informed me that after doing an extensive search with my social and name that he did not see anything in their system for me. He also informed me that if i had an old account with them that is not showing up in their system it would ONLY be because the account is outside of the statute of limitations. A debt that long ago XXXX legally could not go after and that would not keep new customers from opening new accounts with XXXX. He also stated that i should definitely look into this matter because this account was not ASSIGNED to Eastern Account Systems by them and that if this debt happened to be ours it is by now outside of the statute of limitations for any collection agency to collect on anyway!! He also stated that this agency should know the collection laws and should be abiding by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation