vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JAMES B. NUTTER & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I paid my XXXX 's mortgage payment at XXXX XXXX. I called the company to let them know that the payment was made as well. On the company 's website there's a statement " If you pay after XXXX XXXX. CST it will be considered late. '' However, the receipt they send seconds after submitting payment states it will be applied on the effective day or shortly after. The statement shows effective day as the XX/XX/XXXX. I believe James B. Nutter receipt showing effective date of the XX/XX/XXXX means that my payment should take effect for the month of XXXX. When I called on today, XX/XX/XXXX there was nan named XXXX ( who was rude ) that advised that it will go on my credit. I told him that I have paid after XXXX in the in XXXX and it did not. He then told me well if you made it a couples I can't help that, it's going on your credit today. This is an unfair practice by this company and they are choosing when they are wanting to place things on consumers credit reports. Also, the receipt does not have the statement of paying after XXXX. on it. I'm really needing help because the employees at this company are diffult to deal with and really rude. I'm attaching two payments where I paid after XXXX and have a couple of more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account on Coinbase.com owned by Coinbase Inc. 
I transferred XXXX BTC into my coinbase BTC wallet on the date XX/XX/2017 checking the transaction on the block chain confirms the transaction has been done successfully using Address : XXXX XXXX XXXX   XXXX but the BTC has not appeared on my account yet. 

I have filed a complaint ticket through coinbase support system Case # XXXX They have failed to resolve the issue as of today. 
On the phone they only let me know that this account has indeed been hacked. 
They have not given me any time frame as to when and how this issue will be resolve. 

Coinbase has put me on sever financial strain and stress over the past 2.5 months Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received XXXX 's response that Bank Of America did not remove it. They have it listed as though the two mortgages were in my name and my brother 's. This is false! Now they are adding me on a mortgage that I never signed for. I was not even in the country when this took place, nor did my brother have POA. The two mortgages are under XXXX XXXX XXXX. I have nothing to do with 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 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I live in XXXX XXXX MD, I'm a single mom of XXXX. I was laid off in XX/XX/XXXX from a company, that I was employed with for 20+ years. I lost my home I lived in for 6 years with my children, it was my primary residence. We had to give up the family pets. 
My children and I have nowhere else to go but to become XXXX. 

My children and I have been through a lot. I have tried to keep a stable life for them over the years. I have lost that special bond parents have with their children because I had to constantly, keep a roof over their heads. It hasnt been easy but I never given up. I paid {$20000.00} down on a home and the person stole the money and disappeared. Now because of me being laid off I started to have problems with the bank even though I paid my mortgage and my home was sold wrongfully. In trying to obtain gainful employment the social security administration somehow messed up my information causing me to become unemployable. I'm still fighting this issue but I am working since XX/XX/XXXX. I have worked hard to get this house but unfortunately, I lost the battle to Wells Fargo. They know how to lie and create invisible documents.. Before, losing my job I would pay my mortgage twice a month before the mortgage was due. 

I would be very appreciate of the help. I am willing to help anyone I can so please keep me in mind all the time, if someone else goes through this same problem. I am a proud mother and person I would never asked for help but I have no one to turn to solve this problem. I would like help to buy a home free and clear with no bank or mortgage company. Ill appreciate any assistance or amount for this. Thanking you in advance for any help you would be able to help me with. 

Please help. 



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 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
The first call came about 1-2 weeks ago from Revenue Group claiming I owed a medical debt for the XXXX XXXX. I told him it was an error, and I told XXXX . XXXX then to Stop Calling Me, and even prefaced Stop Calling Me with the statement of Now That I'm Saying This You Must Abide ... STOP CALLING ME. 
He called again today, XX/XX/2018 at XXXX. I recognized his name, XXXX. I reminded him that I already told him to stop calling. He says " well i don't see anything in my notes ''. I told him It's not my fault if he neglected to note that, and now he's in violation of federal law. He tried to argue with me, but before he could I told him to XXXX XXXX and hung up. 
Those calls are on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Over the last 2 years, it has become next to impossible to obtain any detailed information regarding my loan. 

I have been instructed by customer service to not go by the Navient.com Loan Details web page, as it isn't up to date. When I request a detailed breakdown, they state that they are not allowed to provide that information. 

In XX/XX/XXXX I reapplied for Income Based payments, I listened to the terms & conditions and pressed pound to accept. I come to find out in late XX/XX/XXXX that the payment plan was never set up by an employee error & I was several months past due. 

This has happened multiple times, I am in a automatic debit withdrawal program, yet the interest fluctuates or money is misapplied to the loan. 

All the while- I haven't received any correspondence or breakdown. 

I have to check my credit report every few days, to see if my loan amounts are up to date. 

Today, XX/XX/XXXX, I run my credit report & my student loans have gone up {$47.00}. Yet, I made my scheduled payment on XX/XX/XXXX, with the next one scheduled for XX/XX/XXXX. 

Overall : 1 ) The principal amount is wrong 2 ) The interest calculated is wrong 3 ) The company refuses to provide a detailed explanation of the amount 4 ) The company charged interest and penalties while I was enrolled in school full time.

5 ) The company refuses to provide an address to a written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX at XXXX XXXX a criminal withdrew {$1800.00} from my checking account using a debit card that was attempted to be cancelled that morning by Bank of America from a stolen purse, without the pin number on the account. Crime was reported, bank of america did not conduct a thorough investigation and removed the temporary credit of {$1800.00} from my account XX/XX/XXXX that was put in back in XXXX. I have XXXX police reports on file, neither have found the criminal, and Bank of America failed to look at video at the branch in XXXX, NC where the money was stolen nor did they investigate my location/whereabouts because i was 3 hours away from the crime scene when it happened. I fully expect Bank of America to continue to drag this on for days and weeks and i have to retell my story multiple times daily to catch up the next new person i talk to on the case. Bank of america did not communicate with me one time from my report on XX/XX/XXXX and just took the {$1800.00} back, that is how i found out they closed their investigation saying the signature on the withdrawel was consistent with ours .... no duh! They stole our purse and could have learned to trace it during hte day. Plus i am angy i cancelled my debit card and someone trys to get a large sum of cash out, red flag, make them use the pin # for my protection! Bank of america 's policies are preventing them from doing the right thing now while they reconsider my case, they refuse to temporarily restore my {$1800.00} credit while the investigation continues. It is their fault the investigation failed! They have access to the video tapes at the bank, not me!!!! This is the problem with big banks, they don't care about their customer who has been loyal since XXXX for 20 years! They are on the brink of losing me as a customer for life!

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 2018-03-01 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens bank has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: TX

Complaint narrative:
An unauthorized charge for {$2000.00} was charged to my Capitol one credit card. I have disputed it several times even sending certified letters yet Capitol One acts as if I haven't substantiated my claim when I have done so over and over submitting the same documentation. I am exhausted trying to resolve things with Capitol One. They keep you on hold indefinitely when you I call. They have charged me interest and late fees on an unauthorized charge.They also closed my other Capitol one account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i send 5 letters to Equifax, disputing wrong information, those are : inquires being reported that were not done by me, wrong names, wrong address that i never lived on, they have refused to do anything about, they simply send a letter saying the are factual records, which they are not, 5 letters have send they refused they causing damaged to my credit, this company needs to be fined and shut down, I was the victim of Identity Fraud 2 years ago..since then i been trying to delete errors from my credit and Equifax is the worse, there is no proof on any of these inquires, since they were not done by me..still they refused to delete them..they don't verify as well don't care about the consumer and are causing damaged to people credit, hurting the availability of getting or credit or low rates. 

Wrong name XXXX, twice i never inquire or ask for a lease XXXX card i never apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero 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 2018-03-01 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: FL

Complaint narrative:
experience and XXXX are reporting a charge off that is 9 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices. 

They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction. 
Can you please help me remove this due to the fact they violated some Fair Debt Collection Practices?

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 2018-03-01 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: TX

Complaint narrative:
In XX/XX/2017, XXXX XXXX XXXX reported my account as 30 days late during a disaster relief period here in XXXX for Hurricane Harvy. I initially made a loan modification for 2 months when I had asked for 3, they refused but said to call them back if I was still having trouble at the end of 2 months. When I called them back they readjusted the loan payments and I began paying on the modified loan. I checked my credit report and found that they reported a 30 day late in XXXX. I called the company twice to fix this. I even contested with Experian and asked them to verify. To this day the late is still reflected and the company will not explain why they suddenly changed their policy to report me during a declared disaster period.

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 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently requested to have my escrow account on my mortgage with Wells Fargo closed after I noticed they paid an insurance premium that was triple than what it would normally be without informing me. Wells Fargo acted completely irresponsibly in not notifying me of the increase and denied my request to close the escrow account using an incorrect and outdated value of my house as a defense. I changed insurance companies and paid the new much lower insurance premium myself but Wells Fargo is still charging me a higher monthly payment for my escrow account and is refusing to close and let me manage my own insurance and taxes. I have been a WF customer for over 10 years and have not had a single missed payment. This was far from the first issue iv had with the bank. It is clear the bank does not value its customers and has no interest in maintaining a relationship with 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 non-monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX credit card charged my account {$14.00} and offered no explanation for this charge. I called chase XXXX Customer service but company offered no viable solution. I asked Customer service why i was being charged this but they declined to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In 2016 I put credit freezes on all three credit reporting companies. Trans Union, XXXX and XXXX because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and XXXX and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since XX/XX/2016 ) so would like the protection the freeze offers, but not the hassle.

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 2018-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The account agreement with XXXX by Goldman Sachs states that wire transfers will be considered same day if received by XXXX XXXX CT ( XXXX XXXX XXXX   ) page 19 bullet 3. 

This is also repeated on the website " Wire transfer requests made after XXXX XXXX E.T. or on a non-business day will not be processed until the next business day. '' ( XXXX XXXX XXXX ) However, when calling the bank they said their business policy was actually XXXX E.T. and in discussions with a supervisor in customer support they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Recovery Solutions, LLC
State: OK

Complaint narrative:
National Recovery Solutions has tried to contact me at work several times even though I have asked them not to call my work or it would get me in trouble. each time i told them this they told me no one has ever talked to me which is a lie. 


I spoke with them on XX/XX/XXXX and XX/XX/XXXX on my work line and asked that they not call me at work. Then they asked me to let them speak to human resources as soon as i told them to stop calling me a work as a scare tactic. When I told them that i was going to file a complaint he said I Don't know what for. I repeated because I ask that you stop calling me at work.

Company response to consumer: Closed with explanation