vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
In XXXX of XXXX, I received a bill from XXXX or XXXX XXXX XXXX XXXX. It was for an emergency room visit in XX/XX/XXXX of {$1800.00}. I began to make payments in XXXX of XXXX. I worked out a payment plan of {$75.00} a month. I made four payments totaling {$300.00} from XXXX to XXXX. I found out that I was covered during the period of XX/XX/XXXX. It was suggested to get an eligibility letter for the period I was covered. I faxed in the eligibility letter and they said my bill was satisfied. I called on XX/XX/XXXX and they said, they were not sure when the refund would go out. Called XX/XX/XXXX at XXXX. They said, they had submitted the refund on XX/XX/XXXX and told them I had not received it and they said they would resubmit the check and I should call back in the early part of XXXX. I called back on XX/XX/XXXX and this time they said it would take thirty days and to call back in XXXX. I didnt receive the check and, so I called on XX/XX/XXXX at XXXX. They said they had mailed it out, and the check number was XXXX. I told them I didnt receive it and they said to call back tomorrow and that a supervisor would look into the checks whereabouts. I called XX/XX/XXXX, they said it was mailed on XX/XX/XXXX. I called XX/XX/XXXX and I asked for a supervisor. I spoke with supervisor and she apologized for all of the confusion and she said she would find out what was going on with the check and would XXXX the check to me. I received the check, which happened to be check number XXXX and I deposited into my bank on XX/XX/XXXX. It was returned on XX/XX/XXXX. Not only was the check returned I now I have a return check fee. The bank enclosed a copy of the check and stated that the item was returned by said financial institution for the following reason : Refer to Maker. I wanted to wait to call about the returned check until I spoke with someone from this department.

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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
This company is reporting a negative account on my credit report, and we don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. And the debt is result from identity theft. 

I tried resolving the issue with XXXX on XXXX, and XX/XX/XXXX. Also, I sent the company a letter o nXX/XX/XXXXasking for a legal contract and there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Conn's, Inc.
State: TX

Complaint narrative:
I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. 
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. 
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. 
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in the process of applying for a mortgage. A brand new negative entry for a collection account from " XXXX '' has recently been added to my Equifax credit report, approximately 2 weeks after the mortgage application. I have never had an account with XXXX, and date of last activity for the account is listed as XXXX 2013. I have never been contacted by XXXX, no phone calls, no mail, no emails, over the years that have past since XXXX 2013. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX PST I sent an email to coinbase support due to my missing wire transfer that was sent on XX/XX/XXXX by my bank. AS of this date XX/XX/XXXX my wire transfer has not made it to my coinbase account nor has it been returned. My bank and I have made numerous attempts to get the wire transfer returned and according to coinbase web site all " back logged XXXX '' issues have been resolved yet here I am still waiting for the return of my {$10000.00} wire transfer. After no help from Coinbase and reaching out to Coinbase bank XXXX XXXX   without success ... My bank sent an email compliant to compliance officer at XXXX XXXX on XXXX XXXX, XXXX and have heard nothing as of today. The outgoing wire info was sent to compliance officer to investigate. On XX/XX/XXXX I rec 'd an email from " XXXX '' from coinbase customer service sending " apologies '' for delay in response and if my issues with wire transfer had not been resolved to respond to the email and they would resolve it ASAP. I immediately responded and as of today no further response and my {$10000.00} wire remains in their hands not mine! I want my wire transfer returned immediately. They said in XXXX if the account name, acct number etc didn't match exactly all wires would be immediately rejected and returned. My husband sent the wire transfer to my coinbase account and the bank put his name instead of mine. This error should have immediately caused the wire to be returned according to both banks & coinbase web site ... but it was not nor was it put in my coin base account or my husbands coin base account. Coinbase takes 45-50 mins to answer the phone and when they finally answer the phone no one can help nor can they forward you to anyone that can help ... .they simply say you have to wait until you receive an email to your concern. I have attached many documents and have many more if needed to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My firm submitted authorization for this clients file on XX/XX/XXXX. We followed up with a phone call to Citi on XX/XX/XXXX and requested the file be opened for a short sale review. After multiple transfers the representative agreed to complete the phone interview and create the request for short sale. I was advised that we must go through the modification review process prior to the short sale process and to do so, we need to set up a phone consult with our assigned representative. In this case, XXXX XXXX. Although my call was on XX/XX/XXXX the soonest they could schedule a call back was XX/XX/XXXX. I waited for the call and 75 minutes after our scheduled appointment, and no phone call was received, I contacted Citi. They indicated that XXXX XXXX was away and that I should schedule another call back for next week. I requested to speak with a manager who suggested that he e-mail the short sale team and ask for the file to be reassigned. That would take 2 business days, so on Friday I could call and find out who my new rep is and schedule a call back. I explained that would be no faster and that taking a week to schedule a call back is unacceptable. He assured me he has no way to remedy this issue faster. I asked to speak with someone else and he disconnected the call. I called back to Citi and again was told that the " best thing to do '' is to schedule a call back. I did schedule a call back ( this time for XX/XX/XXXX ) but assured the representative that I would be filing a complaint with the CFPB.

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
I received a letter from Penny Mac stating the escrow would be sent to me in XX/XX/XXXXfor payment to local County to apply in XXXX. I never received the funds. I have called and repeatedly asked about the funds and been told it was sent to XXXX County, It was sent to me, and that it would be sent XX/XX/XXXX, overnight, with me receiving it onXX/XX/XXXX. I have received nothing. 

I called again yesterday, XX/XX/XXXX, and have yet to receive a call back from Penny Mac as to the status of the funds. The due date for the taxes in today, XX/XX/XXXX. I have already missed theXX/XX/XXXX tax season to pay the taxes in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK
State: KY

Complaint narrative:
I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills. 

They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny. 

I would like your assistance in getting my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I would like to report a violation of the Truth-In-Lending-Act by my mortgage loan servicer as follows : On XX/XX/XXXX I purchased my home with a mortgage loan from XXXX XXXX XXXX. At the closing, I signed the truth-in-lending disclosure statement which disclosed the monthly amount of the principal and monthly amount of mortgage insurance premium ( Varying from {$5.00} to {$4.00} monthly throughXX/XX/XXXX ). I  began paying the monthly principal amount plus the indicated MIP amount ( {$5.00} to {$4.00} in XX/XX/XXXX ). 

On XX/XX/XXXX the servicing of my loan was transferred to Nationstar ( now " Mr. Cooper '' ). I began getting charged the monthly principal amount plus {$64.00} for MIP, which did not match the MIP disclosed to me on my truth-in-lending disclosure statement. ( The truth-in-lending statement clearly states that my monthly payment amount includes the monthly MIP. ) In XX/XX/XXXX, my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was being charged monthly and the amount MIP disclosed to me on my truth-in-lending disclosure statement. They corrected the discrepancy from XX/XX/XXXX through XX/XX/XXXX by crediting my escrow account each month with the difference between the two amounts. In XX/XX/XXXX, Nationstar stopped crediting my escrow account with the difference, and I began getting charged {$61.00} per month for MIP. 

In XX/XX/XXXX my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was began charged monthly starting in XX/XX/XXXX and the amount disclosed to me on my truth-in-lending disclosure statement. I was advised to contact FHA directly. FHA then advised me to submit a complaint with the CFPB to report a violation of the Truth-In-Lending-Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I submitted a request for a credit line increase and was denied credit based on information contented and/or reported by the credit bureau agency 's. Capital One reported the base for my ineligibility is a composite of information obtained from my credit file. 

I have previously made an attempt to collect the following information from Capital One regarding the specific reason for my denial and response for ineligible and requested they provide me with the source of the information so that I may review the information contained in my files. 

I believe the denial is based on discriminatory reasons and further request which federal agency to file a complaint with based on this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Student Advisor Center LLC
State: PA

Complaint narrative:
I was contacted by a company called Student Advisors in summer of XX/XX/2017. They claimed they were working with the Federal government to help people out of student debt by consolidating multiple loans into one with a lower interest rate. In order for these services, they told me they charge a fee ( around {$1300.00} ) which I could pay in installments. I signed up for this, and signed an agreement that outlined the services they stated they were going to provide. One month later when I realized my student loans were not consolidated, I tried calling Student Advisors, and did not get an answer. I tried multiple phone numbers, left multiple messages, and never heard anything backfor months. Eventually I just gave up and chocked it up to a missed opportunity/near miss. That was until several months later when I checked my credit report and saw a credit account opened under my name from a company called XXXX XXXX. I looked into this and realized that this was the fee I was paying for the loan consolidation which I enlisted for. I called XXXX XXXX to cancel this account, stating to them that I never received the services I signed up for. They told me that they are just a third party, who bought my contract from student advisors. They said they could not close my account, and I still owe them all this money, and that they can not do anything about it because I signed a contract. No matter how much you try to reason with these people, they argue because they know they are wrong. This is criminal, and they should be persecuted by the law. They keep telling me to take it up with Student Advisors. How can I take something up with a company that doesnt exist, or if they do, wont return my calls. Even when I explain to the people at XXXX XXXX that in my contract there is a clear clause that states all payments shall be returned to consumer if the product isnt delivered, they still argue. You cant argue with this, and we need to get the Federal government involved here. This is no different than financing a house, but then not getting the house yet still being responsible for paying for said house.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up automatic payments ( " autopay '' ) for my two Bank of America credit card accounts ending in XXXX and XXXX, respectively, on XX/XX/XXXX. However, the autopay setting for the account ending in XXXX was erroneously removed and since this is completely without my knowledge or consent, it was until XX/XX/XXXX when I logged in to online banking that I noticed the account ending in XXXX had already been two months past due. It should also be noted that Bank of America did not exercise due diligence to inform me of any missed payments where other banks would send notifications via emails, phone calls or text messages ( XXXX XXXX and XXXX XXXX are just some examples ). I'm also attaching the screenshots from when I added the autopay settings as evidentiary support. I immediately scheduled an online payment to keep my account up-to-date and called customer service to inform them of such situation and to request : a ) Removal of this account 's delinquency from my credit reports ; b ) Reversal of the late fees assessed against my account. Unfortunately, even after escalating this request Bank of America still failed to resolve this issue satisfactorily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/2018 There has error regarding with address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX is not correct due to it has no number and not my address the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
XXXX XXXX # XXXX. 

On XX/XX/XXXX, I became aware that I was unable to access or sell my cryptocurrency stored in a Coinbase Vault, because I did not have access to the 'secondary ' email address associated with the account. I submitted a support ticket through the Coinbase website. I received response from Coinbase via email that someone would close the Vault account and create a new Vault on my behalf with a valid email address. 

After no further response or action from Coinbase, I followed up with several email asking for resolution. My follow-up email to coinbase were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Most email received an automated response. I also called the customer support line several times, but most attempts did not reach a person ( wait times >45mins ). The times I got through, customer support was unhelpful. 

On XX/XX/XXXX, I reached out to the company ( XXXX ) associated with my secondary email address, to see if I could regain access. XXXX informed me that I never had an email address that matched the one on file with Coinbase ( started with " d '' ). It was at this point that I realized that Coinbase had changed the 'secondary ' email address associated with my account without my authorization. I checked the email Coinbase sent at the time of the Vault account creation, and can confirm that the email address I used at the time of account creation is no longer the email address associated with the account. It has now been XXXX months, without any resolution.

Company response to consumer: Closed with explanation