vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB No : XXXX I received two ( 2 ) cash credits of {$250.00} each to my Capital One credit card. One credit was credited to my Capital One credit card between XXXX XXXX and XXXX XXXX. The {$250.00} was a cash refund due me from the move on XXXX XXXX, 2017. The second credit of {$250.00} was credited to my Capital One credit card on XXXX XXXX, 2017 from XXXX XXXX XXXX ; a refund of my deposit. The cash credits were refunds of money I had paid to businesses and was refunded to me. Capital One gave both cash refunds to XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX to the present XXXX XXXX XXXX XXXX XXXX have not provided proof that I owe them any money. Two bogus charges of {$250.00} were charged to my Capital One card by XXXX XXXX XXXX XXXX XXXXXXXX. Capital One had no right to give my cash money to XXXX XXXX XXXX XXXX XXXX with all charges from XXXXXXXX XXXX XXXX XXXX XXXX  in dispute. I demanded proof that I owed the two {$250.00} charges to XXXX XXXX XXXX XXXX XXXX. Capital One told me they were INTEREST on the {$400.00} charge in dispute. That calculates to 650 % interest or {$3000.00} a year. At no time has XXXX XXXX XXXX XXXX XXXX provided any reason to charge my credit card for {$250.00} twice other than to have Capital One give them my cash refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I sent a XXXX Deposit to Coinbase on the XXXX XXXX of XXXX. 

They say that a XXXX Deposit will be available in your Coinbase wallet after 3-5working days. 

It still is not available. 

I have tried emailing and calling everyday and I am get no information. 

Customer services do n't appear to care and I 'm worried that I will never see my money again. 

Please help me put pressure on them. 

My account is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA

Complaint narrative:
My name is XXXX XXXX, I have been seeking to purchase a home since last XXXX. I have researched a few down payment assistant programs that are available. After careful thought and research, I decided to pursue XXXX. 
I have been interested in purchasing the following property : XXXX XXXX XXXX XXXX, which I had under contract since XXXX/XXXX/2017 XXXX XXXX has had access to this loan since XXXX/XXXX/XXXX. I have been trying to Close on this property since, and it has been a heart-ache to say the least. 
Just to let you know I am aware that the process for XXXX is 60 days closing rather than the customary 30 day closing I have used ( Calcon Mutual Mortgage / OneTrust Home Loans ) in XXXX, GA region, because this is XXXX of InvestAtlantas preferred lenders : I was informed in the latter part of XXXX that the original Loan Originator was no longer with company, so it was transferred to another Loan Originator, the Loan Processor remained unchanged. 
Just to provide a brief run-down First, they appraised the home without including the renovations of the home. I requested to the loan originator that he re-submit the appraisal to reflect. It took them two weeks to re-submit, that was after I requested again that it be done so. 
I was scheduled to Close on this home XXXX XXXX, XXXX XXXX, and XXXX XXXX, each time I have been left in the dark by the Loan Processor, and unaware of the reason, no communication was initiated from the Loan Processor/lender of the explanation of why it wasnt going to Close. Sadly, the communication that I wouldnt Close came from my realtor and in turn he received it from the Closing Attorney. 
XXXX XXXX Close, I was informed by my realtor that the Closing attorney was advised by the lender that the loan was cancelled. When I reached out to the lender she advised that they would re-submit the loan due to the duration of the loan is too long and the new loan originator didnt want to Close, and the former loan originator is no longer with the company. 
At this point I just want my money back ( appraisal fees and earnest money at minimum ) which I have reached out to the lender and I havent received a response, other than to resubmit the loan process. 
Please assist in what I can do. 


This is address information I have of Calcon Mutual Mortgage, it comes up as OneTrust Home Loans. 

Calcon Mutual Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX OneTrust Home Loans XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
called office dispute the bill, I asked for a manager they refuse to transfer me to a manager, spoke with a rude collection rep, who told me the account was n't in dispute and that I need to pay the bill or they would go ahead and sue me and if I did n't pay the bill that I could get arrested. I hung up the phone. In XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
my wife and I both have American Express Cards. We pay on time always the bills we receive from them. Yet sometimes we receive late fees charged to us. I believe that AMEX is not crediting according to the postal date or even near it. I believe that these late fees are fraudulent and a way to increase revenue and income. The CFPB should investigate this matter and require that AMEX refund fraudulent late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Financial Corporation
State: OR

Complaint narrative:
XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Convergent Outsourcing Inc is harassing me about a debt allegedly owing to XXXX XXXX XXXX XXXX XXXX, NV. 
During an 11 month stay in XXXX XXXX, I used XXXX XXXX for about 11 months. I bought a TV and my own modem and router at XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively ( Exhibit D ). 
I hooked up with XXXX for XXXX and XXXX service. XXXX withdrew their monthly bill from my bank account for the next 11 months. 
Shortly before I left XXXX for good, I contacted XXXX to get the amount for my final bill ; it was {XXXX. I personally drove to their office, paid the XXXX} XXXX Exhibit E ) and handed over their equipment consisting of the " top box '' ( converter box ) and the handheld remote. I was assured that I owed nothing further. 
Now they ( Cox ) seem to claim that I purchased a modem from them. Why would I buy their modem ( I had my own ) and why was that modem allegedly bought AFTER my final payment? What took over XXXX years to engage a collection agency? Is n't there a statute of limitations? I have not seen a sales slip, nor an invoice, nor a proof of delivery ; nothing. Convergent claim the debt is valid ( Exhibit F ), twice, but have not produced anything other than a XXXX  ledger sheet. 
Convergent Outsourcing do not want to listen to my explanations ( Exhibits A, B, C ) and keep on harassing me despite telling them, please, not to.

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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: NC

Complaint narrative:
On Friday XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX XXXX. took out of my XXXX XXXX checking account as a Wage Garnishment XXXX without my approval for an old XXXX furniture loan debt that I had opened back in XXXX. This debt is over XXXX XXXX XXXX, and I have not had any communication with this debtor or any third company at all since XXXX. On top of that I called today XXXX XXXX, XXXX and spoke to XXXX and they confirmed that they no longer have record of this debt in their system and that this debt was sold to XXXX XXXX XXXX back on XXXX XXXX, XXXX. So, this tells me that XXXX XXXX XXXX XXXX have sold an 'old debt ' to Attorney XXXX XXXX XXXX XXXX XXXX XXXX and she went ahead and garnished my wages without sending me notification of this debt, without filing a judgement against me, nothing. She violated my legal rights as a consumer on numerous things, not giving me written notification of this debt so that I can attest if this debt is mine, also since this debt is over the XXXX of limitation for the state of NC which is 3 years in NC which is where I reside she ca n't file a judgement against me so she can not legally file a judgement against me, not only that she garnished my wages on a debt that is over XXXX XXXX XXXX which is another violation of my consumer legal rights. I am requesting that this attorney gives me back my money of XXXX} and writes me a check and mails it to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC XXXX or I will be forced to take her to court for XXXX violations. Please, help me resolve this matter at your earliest convenience. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no clue who 's address this is.. why is it on my personal information. I jave never lived at this address or know anyone. 

I am afraid someone might be commuting fraud with my name from this address. Please take this off my personal 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 non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Tuesday, XX/XX/XXXX I stopped by the Chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I made a cash deposit of {$2200.00} at an ATM in the bank itself. The line had been long at the time and an employee at the bank had told me that I could use the ATMs to deposit large funds. The denomination of the funds were in XXXX XXXX XXXX dollar bills. As I placed the cash in the machine, the slot closed and the machine started to whir as if it were counting the money. However, the ATM printed out an error receipt and told me to speak to someone immediately and call the claims number. I immediately showed a woman working at the bank my issue and she escorted me to someone working at a desk and told me to sign my name. In the meantime, she helped me with my second deposit at an ATM terminal next to the one that had given me an error. At the second ATM, she deposited for me {$3800.00} in XXXX XXXX XXXX dollar bills. I followed both directions listed on the receipt and called the claims department and spoke to the employees at the bank. The claims department told me they would send me provisional funds equaling the amount that I attempted to deposit and follow up with an email. I did not hear from anyone in two and a half weeks until I noticed that my funds were removed from my account on Friday, XX/XX/XXXX. I followed up with several calls to the customer service department, claims department and a few individuals from the Claims escalation department. I was told the same thing, that they had concluded an investigation and checked twice but did not find my funds. This seems unfair as I had clearly made a deposit and one of the workers at the branch had seen me do so. I was not informed about the claims process and what it would entail along with the seriousness of the investigation otherwise I would have tried to gather more evidence. Instead, I was assured that everything would resolve itself. I had called several times on XX/XX/XXXX and XX/XX/XXXX about the issue and the customer service representatives had not informed me that the investigation was still in progress, a representative had told me that the provisional funds provided at the time were there to stay. On her words, I had dismissed the situation and thought it to be resolved so I had thrown away the receipt and moved on. On XX/XX/XXXX, I had visited the branch location to speak to someone who could help explain the situation but no one resolved my issue. In fairness, Chase had sent emails to me about the investigation to my primary email but the emails were tucked away in a junk folder. But the dismissiveness by some of the representatives proved to be jarring. I provided a time and date of my deposit to the employees at the branch but was told, at one point, by an employee that they had not investigated my deposit but rather another customer 's issue from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC
State: AZ

Complaint narrative:
On several occasions a person that works for Weinberg Mediation named XXXX XXXX has called my phone and leaves messages regarding helping with litigation for my son. The latest phone call today this person stated in a voice mail, my son 's name, last XXXX of social, complete birthdate and my home address which is not my son 's address. Stating that they were now going to serve the pending litigation to this address. 
I would like these calls to stop and they be held liable for repeating secure private information to me. I have the voice mail saved and will forward upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My local tax collector says that my real estate taxes were not paid from my escrow at Freedom Mortgage. Freedom Mortgage says they have been paid. I have been trying for the last two months to get evidence of this payment from Freedom Mortgage and each time I try to do so I get a different story. The latest is that since I sold the property they need my request in writing because that is " what their tax department requests. '' However the last call from their tax department was that they would research this and get me a letter stating it has been paid in full. Currently I am over an hour into today 's call and still no resolution.

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 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I 've advised Discover of the financial situation I am in. If I 'm just one or two days late the calls start up.. at least 4 times a day m-f.. I 've told them I 'm aware of the situation and would like the calls to stop. I 'm assuming they are robo calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. 
Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. 
My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.

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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc
State: NC

Complaint narrative:
I worked for XXXX XXXX. They provided me with training in exchange for service upon obtaining my cdl. I was attempting to work off the debt, but they terminated me without cause.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Health Services Asset Management, LLC.
State: CA

Complaint narrative:
I had an illness that required care and I did not have health insurance at the time. This left me with a {$2600.00} medical bill. After missing payments on it, it went to XXXX or Health Services Asset Management. Upon receiving a letter from them I spoke with a representative there to set up payment arrangements. I was told the lowest monthly payment I could make would be {$200.00} XXXX which is still quite high for me XXXX. It was XXXX 2017 since I have been paying this amount. I did not receive monthly bill request by mail. I was instead instructed to pay the previously stated {$200.00} " around '' the XXXX of each month. I twice had paid them on the XXXX and they said it was no issue. Well last month I was a little later then the XXXX and I finally received something in the mail from them. It was an order to pay the entire amount of {$2300.00}. I was in shock how my {$2600.00} bill could still be so high! I had been paying on it for XXXX months. Upon looking at the bill it stated that of the {$200.00} I am paying every month they are charging {$140.00} in interest. Meaning only {$60.00} of the {$200.00} is going to principle. This interest rate seems EXTREMELY high. How can this be legal?

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