vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have a public record/judgment that appears on the following credit reporting agencies, XXXX, XXXX, XXXX and Lexis Nexis. The judgment was filed against me by XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. This information is fraudulent and the company was found guilty of the illegal business practices. 

I begin making payments, and continued to make several payments to this company because I was led to believe that I was guilty because the courts were involved. I later learned about the injunction and ruling against said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
Loan was received back in XXXX. Yes I 'm late to pay it, but I receive 4 to 5 calls a day even at work. I have told them not to call my work because thats grounds for termination but they still call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: NJ

Complaint narrative:
i 've been trying to cancel my membership with Experian credit report but not only it is not possible online and the only way is by phone, i called several times customer service including today XXXX2018 but when i mention that is about canceling my account they transfer my calls 3 or 5 times and then put me on hold for more than an hour and then they disconnect the call, meanwhile they keep charging my credit card.

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 2018-01-25 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: NE

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX XXXX provided XXXX XXXX  with my alleged credit score. On XXXX XXXX, XXXX I received a letter from XXXX XXXX about their decision to deny me credit. In this letter dating XXXX XXXX, XXXX I learned that my alleged Credit Score from XXXX XXXX XXXX is XXXX and my XXXX Credit Score is XXXX. Seeing the disparity between the two companies reported Credit Score I checked my XXXX  Credit Score and it was XXXX. 
I have never heard of XXXX XXXX XXXX so I researched the company, I visited their website and I was asked to submit copy of my personal IDs and provide all my personal informations in a non secure setting, in order to get a copy of the same credit report that they provided to XXXX XXXX. 
I have reached out multiple times by phone ( XXXX ) to XXXX XXXX XXXX to talk to a representative and learn more about them before I send them my personal information. I have not heard back from them yet and I am not going to wait forever. 
The Credit Score they assigned me is nowhere near accurate and they do not promptly address people 's inquiries or questions. If they are unable to answer phone calls from customers with questions about their credit report, In Fairness to Credit Customers XXXX XXXX XXXX should refrain from emitting inaccurate Credit Reports and Scores. XXXX XXXX XXXX should cease and desist from providing lenders false and fraudulent credit scores. 
XXXX XXXX XXXX is causing harm to customers, and they need to be stopped.

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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My wife has our home currently financed thru Ocwen Loan Servicing, LLC. Since her mortgage loan was sold to them, they originally kept mis-crediting her payments, eventually causing her to redo her loan several times increasing her mortgage amount because of excessive fees they kept adding. Most recently, after almost losing our home, she refinanced again and began to pay the mortgage by having to pay her bank XXXX XXXX send payment by wire transfer so they could n't make excuses of not receiving payment. She gets paid twice a month and wanted Ocwen to change date due to XXXX of month. they refused, forcing her to pay on XXXX. after making her payment on or about XXXX of month, they report her to credit bureaus as paying late. She tried making an extra payment to have mortgage in advance. They kept sending extra payment to principal and not allow her to have her account in advance. She has tried to get other institutions to carry her loan, but ca n't because Ocwen keeps showing her late! She has made her monthly payments within the month for more than 24mo straight and still cant get anyone to help her! What Ocwen is doing has to be illegal. We have tried going to lawyers but all they do is take our money and nothing happens! please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX XXXX XXXX, that on XXXX18, I went to my bank to attempt to resolve a fraud case that I had filed with my bank concerning unauthorized withdrawals. I have already files complaints with FCC and Florida States Attorney General against XXXX, XXXX. This company/chase bank are taking advantage of myself and wife that are elderly folks. In all we have lost {$120.00} from our little savings that we keep in the checking account being discussed. The bank manager was very helpful but the fraud and claims department at chase bank would not reopen my claim, he even attempted to call the company but he had no luck. I want my bank to recognize that I was ripped off, which at this time they say is my fault. Please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received two emails from a source named, " XXXX '' on XX/XX/2017 regarding two " trial periods '' for products ordered in the amounts of {$69.00} and {$79.00} to be deducted from my debit card account. It stated that the order number was XXXX and " XXXX XXXX   will appear on my credit card statement for one charge and XXXX XXXX   XXXX will appear for the other. 

I immediately emailed them back advising them that I did not order or authorize a " trial period '' in the amounts they specified and that this appears to be " fraud '' on their part for these transactions. 

They immediately emailed me back cancelling the " trial periods ''. I contacted my bank and filed a claim to have the monies returned to me. The bank says that I received the two products. I then recalled several months earlier requesting a product and ordering it for around {$24.00} and authorized that payment. I did receive the products, never used them because I never received an acknowledgement by email or mail of the order nor were they charged to my account. 

I return what I received back to where it came from when I discovered that there may be a connection between the transactions. There was not a name on the box I received with the two products. I advised my bank that the products I received ( still don't know where they came from ) were returned unused and they contacted the two organizations who said they had been used.

There are two issues, as I see it. They can not produce a document or an email which states I ordered a " trial period '' and they sent me a " confirmation '' of the order at the prices they deducted from my account. They cancelled the trial period and I sent them back the products unused. My account should be credited back the amount deducted. 

I was curious about the two company 's and who they are. My research reveals one company ( XXXX ) only has one product, called XXXX, a brain-fortifying product and has no connection to the products I received in the mail. The other company, XXXX XXXX is an IT company. So why would they be receiving a separate payment for these products. Something is not making business sense.

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 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a wire transfer request from my bank to Coinbase to fund my Coinbase account. The wire transfer I submitted was for {$5000.00}. 

Wire transfers are supposed to post immediately. 

On XX/XX/XXXX I received an email from Coinbase informing me that they could not apply the funds to my account due to a naming mismatch. In the message Coinbase stated that it could take up to seven business days to process the refund / redeposit. It also stated that in case you do n't receive the funds within 7 days to contact them via a support email address. ( XXXXXXXXXXXX ). 

On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 

On XX/XX/XXXX I called Coinbase support and after explaining the situation I was told that my ticket was going to get prioritized and that I was going to get an update as soon as possible. Now a week later, I have yet to receive any kind of update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
credit report pulled for initial process for mortgage loan. Loan was approved for the amount {$300000.00}.

1. XX/XX/XXXX : received E-Document with two separate disclosures. The first disclosure was listed as the " initial '' disclosure with the second disclosure noting the rate locked at 4.6 % with closing date set forXX/XX/XXXX.

With closing date set forXX/XX/XXXX and move in date of XX/XX/XXXX, we were then able to schedule a date for vacating rental property, moving company, transfer of utilities, postal service, etc.

2. As credit report would have been expiring before closing, a new credit report had to be pulled. I received word via email on XX/XX/XXXX that the rate had increased to 5.1 % which would note a {$74.00} increase in monthly payment. I agreed to the increased rate that same day. No disclosure was received that day.

3. On XX/XX/XXXX, I received email from Suntrust stating that my file was cleared to close with a closing date of XX/XX/XXXX.

4. It was not until XX/XX/XXXX @ XXXX that a second disclosure was received indicating that the rate was increased and the date for closing remained XX/XX/XXXX.

5. It was not until 4 hours later that I learned that the closing date had been changed to XX/XX/XXXX. The notice for the change in closing date did not come from SunTrust but came from my realtor. I still have yet to receive any official change for closing from SunTrust.

I am a XXXX XXXX  and have to really manage schedule tightly and can not cancel patients at the last minute. My wife is a XXXX XXXX and can not take off from work without at least 2 weeks notice. We work late hours and can not accommodate standard business hours. The previously scheduled closing date was done far enough in advance to adjust our schedules to accommodate others. Now, we have unnecessary fees and expenses as we now have to reschedule all of the previously scheduled transfers, movers, etc. I now have to urgently cancel patients from my schedule on XX/XX/XXXX in an effort to be moved out of the rental property by XX/XX/XXXX Additionally, the lack of organization and negligence in which SunTrust has handled this mortgage has added unnecessary stress.

Not only has SunTrust 's negligence added financial and emotional stress, this amount of stress exacerbates my spouse 's underlying medical condition which could possibly result in loss of employment and unnecessary medical expenses due to physical decompensation.

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 2018-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have the Home Depot credit card through Citibank which I have had for years, perfect pay, ents I have been dealing with hurricane Irma, so I have had to make all the repairs out of my pocket, I was fortunate enough to get anything from fema or insurance didnt pay for anything, this is included insurance, this isnt included, this doesnt reach deductible so I asked them a few months ago to defer my monthly credit card pay, ent, they did for two months and thats all they can do, so they say. But other credit card companies for example XXXX, they have been very nice about deferring payments. All I wanted was for Citibank to defer the payments until XX/XX/XXXX, that way I am back to normal and I start paying, I dont think thats asking much, especially being proactive, most people would ignore it and they wouldnt respond and I didnt do that, but I have to do it in emails because the phone service has been so bad since hurricane Irma, you cant hear anyone on the phone, phone doesnt ring, what I am supposed to do????? now I am supposed to be punished for this, this is ridiculous!!!!.

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 2018-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
My car was repossessed in XX/XX/XXXX by XXXX XXXX XXXX.

I never received documentation that my car was repossessed until XX/XX/XXXX, in which I lost my license due to the fact that they could n't provide me with a letter. When I called in XX/XX/XXXX to find out where my car was with all my possessions, they did not know where it was located, the tow truck company got a ticket that was forwarded to me by XXXX  with the car in tow. I reached out daily for updates as to where my car was located so I could get my stuff and turn in the plates and not anyone could give me an answer. I had lost my license for 4 mths due to the fact that the tow company lost my plates and then I never got my valuables out of the car. Now in XX/XX/XXXX, my loan shows that I have missed payments, and is still open. They sold the vehicle in XX/XX/XXXX and my credit is ruined because of them. I also am XXXX I lost my license and my valuable were lost. Very disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bank with Wells Fargo. On Saturday, XXXX XXXX around XXXX I tried to buy sporting event tickets from someone who posted an ad, and I sent {$200.00} to a mobile number through Wells Fargo 's XXXX Payment option, thinking that the XXXX XXXX would have some sort of basic protection coverage and that it was a safe way to transfer money. The person who initiated the transaction never delivered the tickets and stole my {$200.00} and stopped communicating with me. We then checked from a different phone number to see if he still " had tickets '' and of course he offered the same deal to our request- continuing to scam other people. I was scammed into giving {$200.00} through XXXX and have been told that there is no way for me to get my money back, even after speaking with Wells Fargo customer service immediately after this happened, with them telling me, " No problem, we will research this and get you your money back within 1-3 business days. Please file a police report. '' And they also gave me a case number that they said we could use to check up on. We created a police report and have yet to hear anything about it. So we waited, called Wells Fargo back, and then were told that, " The person who gave you that information was wrong, and there is no such case number with our fraud division, it looks like you made a money movement claim. '' They said that if the charge was pending it was likely reversible and then we were told that was also not possible. We are now supposed to wait up to 10 business days for them to investigate.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been busy since my mothers XXXX & TD BANK was was where I initially had problems YET ON MY APP GOR CREDIT credit bureau reads, ... contact TD Bank ... wow!!! TD Bank lied, conducted obviously blatant unethical Federal Banking slaws of SEC ( I didnt know to put a FRAUD alert upon my moms XXXX!? Therefore, XXXX XXXX was determined a fraudulent signature but TD Bank said the I DEPOSITED THE CHECK THERE???? Lie I never banked there but the incriminate of money that was suppose to be directly deposited there..!!!?! 
XXXX XXXX XXXX said I m denied credit and must call TD Bank!!!!!! 
They are spiteful & here I thought a Bank!!!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
The prior week Ford Motor Credit and I made a verbal agreement to make a payment at the end of the month exact date tbd I was to call the following week and they would then administer an extension on to the end of the loan to bring the account on track. I was to call them with the exact date. They continued to call and bullied me and treated me less than professional, continuing to call, over and over again after out discussion. I stated that I was in the process of credit recovery and possible bankruptcy they continued to call me obsessively in a threatening manner, and then issued a repossession order and took my car. I 'm a Ford employee I work at a secured Ford facility all my information is readily available. I have had a 26 year good standing relationship with this branch of my company. I called Ford Credit and they gave me a number for the redemption center, which was incorrect. So I called back to obtain it again, and now nobody answers. Repetitive calls with no answer. Ford stonewalling to make things more costly and unpleasant for the consumer. Same on us, I have legitimate reasons and never have defaulted nor do I intend to, XXXX as my witness I will leave the United States of America if I do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I was initially on an Income-Driven Repayment Plan. As I entered into school as a student at various community colleges, the advertisements that I would receive, aside from several network intrusions that would also interrupt internet service, would advertise false information about loans, grants and repayment plans tailored to teachers and expectant mothers. This information appeared on any computer that I would use and would not appear for others. After not knowing what to do about the advertisements as the problems with the interruption of the service were reported to the Federal Communications Commissions and I continued to submit my annual documentation to the loan servicing as required for the Income-Driven Repayment Plan, I submitted applications for other types of repayment plans without submitting false information to qualify for the repayment plan, i.e. I filled out applications for public service loan forgiveness, teacher loan forgiveness, loan discharge application false certification ( ability to benefit and disqualifying status ), without stating that I entered into an employment agreement for a full-time position with a qualifying public-service employer or into an employment agreement for a full-time teacher for at least five consecutive, complete academic years. I did this to provide proof that I did not qualify in order to stop receiving such advertisements and because I suspected that I may have been a victim of identity theft somewhere along the college enrollment process. The school identification cards displayed pictures that did not look like me. During the period of time that this occurred, my financial information, including tax records, were consistently stolen from locked areas. This information was reported to the Federal Bureau of Investigation, including their Internet Crime Complaint Center, the California Franchise Tax Board and the Internal Revenue Service. At the time that the documentation was not requested, I did not have the requested tax documentation and communicated the aforementioned to customer service. I also verbally communicated to the XXXX XXXX customer service department the information that was provided in the documents that were faxed to the CFPB on X/XX/2018, XXXX XXXX PST, and attached to this complaint. I also provided my end of the year pay stub on an annual basis. I believe that I submitted enough documentation as necessary to recertify for the next 12 months until the documentation requested becomes available, as the circumstances creating their unavailability involve crimes that I can not solve and were reported to the appropriate authorities, the Federal Bureau of Investigation, the California Attorney General ( in re to theft of secured areas ), the California Franchise Tax Board and the Internal Revenue Service.

Company response to consumer: Closed with non-monetary relief