vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are XXXX collection account which are not owed, false information and outdated. I have disputed several times and they are still listed. Please help XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from SYNCB/WALMRT dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

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 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: MD

Complaint narrative:
I got a bill from XXXX XXXX XXXX stating that I owe a {$56.00} for a visit that I took my daughter to. My husband is in the military so we have tricare and I have been to this hospital several times before but never had any issues now all of a sudden this is showing on my credit report as a collection. I am not even the policy holder my husband is. I tried to talked to XXXX XXXX XXXX about this and they told me that they ca n't do anything until they talked with the insurance company but is n't that what they are suppose to do before they put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX, they shut down and I could n't get my degree. Was contacted by a group called XXXX XXXX about getting my student loans dismissed. Paid them close to {$900.00} for their services. I am getting bills from Navient regarding my student loans. Tried to make contact with XXXX XXXX, but seems like they are being sued and their phones are n't working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking my credit report I noticed that XXXX XXXX as well as XXXX XXXX XXXX has place an inquiry on my Experian Credit Report. This inquiry is not my inquiry. I have contacted Experian in hopes to remove this inquiry but was told that there are not allowed to remove any inquiries. I stated that this inquiry is not mine and I have no knowledge of this company. Per section 604 in the FCRA, I am demanding Experian remove this inquiry that has been added to my credit report immediately. Please kindly provide me with Permissible purpose, Proof that I as the consumer initiated the inquiry and written authorization per the FCRA section 604.

Thank you in Advance,

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 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I recently joined Coinbase.com. I added my bank acct and purchased digital coin Litecoin. I bought XXXX as I 'm not rich but would still like to play this new market. Coinbase then in turn withdrew {$300.00}, twice from my acct. I can not get in touch with their customer service to no avail. I then called my bank and asked for help. My bank will try but I believe they will receive the same answer from customer service ... Silence ... .Please Help ... 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a home mortgage with Fifth Third Bank. I have made payments on the mortgage for two+ years, and property values have gone up significantly in my area. As of XXXX/XXXX/2017, based on the original appraisal, my loan to value was 87.7 %. I am fairly certain that if I were to have the home re-appraised, my loan to value would drop to 75 % or less, which is the requirement for my mortgage in order to drop the PMI ( Private Mortgage Insurance ). The PMI costs me {$85.00} a month. I have requested a re-appraisal from Fifth Third Bank four times now without success. The reason they provide is that I have not made two years of PMI payments, but I have made more than two years of PMI payments. The Fifth Third Bank customer service representatives that I speak with when I call agree that I have made the two years of PMI payments, but still tell me that is the reason why my request is being denied. They will not put me in contact with the person/agency that is denying my request. I feel like I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
Called Discover Student Loans XXXX/XXXX/XXXX to cancel automatic payments, because I could not cancel automatic payments nor change the payment withdrawal date using their online system. Was assured by the customer service rep that the automatic payments had been stopped. 

Was charged a payment on XXXX/XXXX/XXXX, called Discover Student Loans that same morning. They said they had " no record '' of my call, " no notes. '' I assured them I had the call history in my own phone. They assured me that my automatic payments had now been canceled. This payment coming out of my bank account was unexpected, and it caused my bank account to overdraft. On top of the negative balance, I am now responsible to my bank for an overdraft fee. 

Also asked about my forbearance options and representative said she would have to transfer me to another department, which I did not have time for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Good evening, CFPB. 

I am writing to you regarding my " temporarily disabled '' Coinbase account. 

After hours of reading online, I could n't seem to find an answer that could resolve my issue.

My coinbase account registered on e-mail XXXX has been temporarily disabled with funding in it. 

It is a known issue that Coinbase Support do n't handle the customer support cases that are submitted to them, and some people have been waiting for months. The highest one I 've found have waited for 135 days. 

With my account temporarily disabled, I am unable to retrieve my money from my account, and I am unable to manage the virtual currency that I have on my account.

I would like a detailed explanation of why my account is temporarily disabled, and how to get it back. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: GA

Complaint narrative:
My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC
State: WA

Complaint narrative:
Recived a phone call from ARC Management group about a medical debt, during intitial communication with there representative on XXXX it was stated that my medical insurance had declined the original claim and it had been given to them to collect. I informed them it was a mistake and I would contact my insurance agency XXXX to fix the problem. To which they requested a call back after. Contacted my insurance got it resolved and they said the claim would be fixed. Upon calling ARC Management group back I was handled by a separate representative who when I attempted to explain my coverage was good and the debt would be paid. I was told No that it was a deductible and it must be paid today or it would impact my credit. I responded with no it was miss filled and I had already paid my copay for services that as soon as my insurance handled the claim they would be paid. To which I was told that it was amazing that I hadnt already been reported to the credit bureau and if I didnt get my insurance agency on a conference call or get them a fax with promise of payment that i was required to make a payment myself immediately or my credit would be affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX  that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. 
I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I received a voicemail from XXXX ( XXXX ) XXXX ( XXXX, MD ) from XXXX from Best Buy Credit card services in reference to a Best Buy credit application submitted in my name. I was given a reference # : XXXX and a security code : XXXX which I would need to provide when I called back to XXXX ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST. I did try the number and the automation message requested me to say the reference # which I did several times - after which it sent me to an automated voicemail stating they were closed for the holiday. I tried to call the number and hit 0 to talk to a representative and the automation asked for my Social Security # -which I did not provide and then went to the same automated message that they were closed for the holiday.

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 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. 

As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. 

It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX I noticed that my credit card limits had been decreased. My XXXX XXXX XXXX Chase Credit Card ending in XXXX went from a {$7000.00} limit down to {$3500.00} limit. Also, my Chase Slate credit card went from a {$3000.00} limit down to {$1500.00}. In years past the more money I spent on the credit cards the more Chase would increase my limits. More specifically I have a Chase Sapphire credit card which started off with a {$5000.00} limit and is now at a {$13000.00} limit which is Max to capacity. It seemed every six months Chase would increase the limit on the Sapphire card as long as I was spending and kept a balance on the card. Because I maxed the Chase Sapphire credit card out I was trying to be more budget conscious and responsible with the other cards. So, when I would use it I would pay it off. And now it seems because of this I am being punished and impacted negatively with the decreasing of my limits. I am also paying an extremely high minimum payment for the Sapphire card and interest rate. I contacted Chase on XXXX XXXX, XXXX to discuss why my credit limits had been decreased as I have not received a notice or even a phone call regarding the change. I was told the change was made due to many factors in my credit reporting history and a negative reports within the past 36 months On my account however, as I stated in years past the limits had always been increased as long as I was spending and keeping a balance on the cards. I strongly feel that this is not a fair practice as it will negatively impact my credit score which I am trying to repair and maintain. Moreover, when I reached out to Chase on numerous occasions regarding some form of assistance on getting the Sapphire card lowered I was basically told that I dont meet the requirements for any options for any of their programs but they did provide me with the consumer credit agency information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
In XXXX I called spoke with a rep who agreed to cancel my auto draft for the XXXX and I would make the payment 1 week following and pay the {$40.00} charge. Well even after that my account was drafted and I rcvd XXXX $ XXXX XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting Then On XXXX/XXXX/XXXX XXXX and I arranged my payment for {$2000.00}, I was waiting for a check to clear so the payment declined But the same day the check cleared I tried to reach XXXX but havnt been able to get in touch with her. Then on XXXX/XXXX/XXXX you guys drafted my account FOR AN UNATHORIZED payment for {$1000.00} XXXX/XXXX/XXXX RET ACH FEE because XXXX/XXXX/XXXX the payment of {$2000.00} tried to redraft and caused my account again to go negative and rcv that fee. 
I have been working with XXXX XXXX and now after numerous emails and numerous voicemails left for her and to return calls I am very upset. 
*Still waiting to receive {$35.00} from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX And now the most recent fee I need back for the UNAUTHORIZED PAYMENT on XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank XXXX are reporting XXXX accounts on my credit report. I have sent them letters asking to validate the date, also my Affidavit from XXXX along with copy 's of the police report and my ID card has been sent requesting to have the information removed from my report. I am not able to get any information from them nor has this information been removed. I contacted XXXX again in XXXX and it has not been removed with all information that was sent to them but information is still reporting on XXXX. I need help with getting this information reported as to I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about  the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.

Company response to consumer: Closed with explanation