vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Approximate on XX/XX/XXXX, I did an online inquiry with Transunion concerning my credit report. As of today, XX/XX/2018, I have not receive an answer. It has been over 30 days ( business and calendar ). My case number is XXXX. 

Also, I was charge for a monitoring program on XX/XX/2018, ( XXXX ) that I ask them to stop it in XX/XX/XXXX. I would like for them to look into that situation and verify has that been done..

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 2018-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The problem is that PNCBANK has unilaterally changed the monthly principal and interest amount due on this home equity installment loan. I closed on this loan on XX/XX/XXXX. PNC prepared a Closing Disclosure Form, which is a statement of final loan terms and closing costs. In the section titled Loan Terms, the monthly principal and interest due is {$470.00}. This is a fixed amount. I recently received an Account Statement for period ending XX/XX/XXXX, which identifies the next payment amount due by XX/XX/XXXX. The amount has changed to {$410.00}. I called customer service on XX/XX/XXXX and they could not provide an answer why the amount changed from {$470.00} to {$410.00}. I have 2 concerns, 1 ) What right does PNC have to change the loan terms on an existing loan? 2 ) If I pay the {$410.00} and not the {$470.00} will it affect my credit score? In effect I would be paying an amount lower than that identified within the Final Loan Terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have recently made a purchase online XX/XX/XXXX with a merchant and used PayPal to transmit funds. The payments have been held up because of a typographical error on my name as entered into my PayPal account. I was informed that I needed to upload a variety of documents to verify my identity which I have done. PayPal then informed me that once they receive the information they will allow my account to be updated and release the funds to the merchant. I have complied with all of their demands and they will not release the funds to the merchant. The amount is approximately {$7700.00}. I have contacted PayPal several times between XX/XX/XXXX and XX/XX/XXXX an PayPal will not discuss any aspects of the issue with me nor will they give me any updates on the issue. I need to file a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I purchased Lite Coins for XXXX $ from Coinbase on XX/XX/2018, and since I maintain a XXXX credit card balance, I immediately paid off my credit card balance. The company appeared to have some glitch due to which they reversed or attempted to reverse recent transactions. But since my credit card was at XXXX balace their XXXX $ reversal did not go through. They did not realize this and in trying to rectify their error, they charged my card XXXX . I tried to work with their customer service for several months with no result. Eventually, in the month of XX/XX/XXXX, I disputed the amount with my CC company and they validated my disputed and cleared it for me. What Coinbase did now was they cancelled the purchase of my Lite Coins on XX/XX/2018 and took them away which is so wrong. I have been trying to reach their customer service, facebook, twitter but no luck anywhere. They just do not respond. I am so tired of their extremely poor customer service and just want my coins back and I hope to get help from here. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Trying to download the app XXXX for payday advances. 

My capital One bank account is blocking my data so that I cant accept money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
I've been contacted on my work cell phone number 3-4 times over the previous 2 years by a company trying to collect a debt on my father ( who presumably used my phone number as a reference when applying for a loan ). I've instructed the caller in each instance to never contact my number again, and that they were illegally calling a work phone number. The last time they called was on XX/XX/2018. The company 's name is XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. The collector provided his name as 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 2018-07-05 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 non-monetary relief
Consumer complaint received 2018-07-05 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.

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 2018-07-05 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: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners , LLC has a collection on my credit report from XXXX XXXX XXXX of XXXX XXXX. The debt has long been paid in full ; however, XXXX XXXX still has the Collection on my credit report which is negatively impacting my credit and ability to purchase a home. I have contacted them and requested they remove the collection and was assured that they would ; however, they have failed to do so. My home lender is pulling another credit report in a few weeks so this collection - which has long been paid - needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ameritech Financial
State: NJ

Complaint narrative:
Ameritech Financial collected thousands of dollars from me and said my student loan was paid. 

I have just learned that their organization is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have made several dispute, one in XX/XX/XXXXand the other in XX/XX/XXXX for several different amounts of debt owed that was paid down, I have worked very hard to pay these account down and some PAID IN FULL The account that is in collections from a medical bill, XXXX XXXX XXXX XXXX those bill has been paid in full, my XXXX BILL also. Many of my cards have been paid with no late payments for at least 6 months. Also new cards to increase credit as suggested by XXXX XXXX/XXXX  and my loan officer. One other credit bureau I have seen my score increased because of making payments and new cards added to my account to increase my credit  score. I am working very card. I just want TRANSUNION credit score please need to reflect my efforts by increasing my credit score. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I Don't Understand Why This Account Is Listed As Derogatory On My Credit Report. Servicing Of My Mortgage Changed From Homeward Residential To Ocwen Loan Servicing Without Any Lapse In Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I requested a credit line increase to {$2000.00} on XX/XX/2018 through American Express 's Online Credit Line Request System. I then got an email shortly after saying to call for the result of my request. I called after I read the email and was told that my request to increase my credit line to {$2000.00} was approved. I then started to make purchases on my card only to find out my credit line was {$1000.00}. I have made repeated calls to XXXX to find a resolution to their mistake. They keep running me through their phone maze, " disconnected calls '', gaslighting me into believing that conversation never happened and even having the audacity to try to explain to me how the remaining amount on my available credit is smaller than the purchase I'm trying to make. IE 2 is a bigger number than 1. I have the conversation on XX/XX/2018 recorded with their representative explicitly saying I am approved for a {$2000.00} credit line which I have attached to this ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
Last week the SunTrust Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX refused to give me change for a {$50.00} banknote because I do not have an account with them. 

As banks are licensed as a public service I think they should be required to make change ( at no cost ) for everyone. 

Perhaps the District needs a regulation regarding this matter. 

Thanks. 

Best Regards, 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 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking  law.

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 2018-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XX/XX/18 I called in to Navient to discuss options concerning a payment. I explained that terms of the loan have gotten out of hand due to excessive forbearance that has been continually pushed by Navient. I reluctantly used this option in the past as a way to stop credit reporting as I continue to attempt to build my credit. I was expecting some sort of deal that would stop credit reporting and what i was offered was a program that " may '' end up dropping my rate. I explained that I needed a lower payment as this payment is currently out of my budget. The response of the two representatives I spoke with was appalling. The first lady I spoke with insisted that I make a payment towards the past due balance now. I questioned her as to how the credit reporting would go. She claimed that it would report 30 days less then what is reporting now. I questioned her on the original amount of the loan and how it has doubled. she claims that excessive forbearance is the reason. When I told her that I would need to call back when i am able to make a payment she questioned me about why I needed to call back and why I couldn't give her an account number to " post date '' now. I explained that i did not know which account i would be able to use so I was comfortable doing that. She became irritated and sent me to another representative to " check the account '' for me. The next representative apparently thought she would shame me out of the money. After i explained that I didn't have the payment she began interrogating my as to where my money was and why i couldn't pay. After about ten minuets explaining my situation she begins making the most rude and unprofessional comments. " Well how's the new truck, the truck you got in XXXX. '' " I explained to her that its great I am able to get my family around and get to work everyday. '' I proceeded to ask why she thought it was necessary to speak to me as if she had personally given me money to pay Navient back. She continued to push and ask why no payment has been made since XXXX, to which i respond I have been stuck between a rock and a hard place, and I really don't appreciate your professionalism when it was me that called in to rectify the situation. After an hour long, conversation I was frustrated to the point of hanging up the phone, I do now wish to deal with Navient and their scams or unprofessional representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRESTIGE FINANCIAL SERVICES INC
State: AR

Complaint narrative:
I can not get my refund check from prestige financial out of XXXX XXXX XXXX Utah. Every time I call them I get a different story. The loan has been paid off and the check has cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Customer service would not help take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion denied me my free annual credit report, claiming I had already received it. I used the XXXX  site to request my three reports. While on the Transunion site I encountered an error which cause the site to fail to proceed. After reattempting to request my report I was told I had already received it. I had not. Of course, they then attempted to sell me a report.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I was contacted by a rude individual from the agency on XX/XX/2018 at XXXX. When I verified my name and that the address she was providing was incorrect, she then blurts out the last four of my SSN.  This is a violation of my personal information as if you search my name, I am not the only XXXX XXXX to exist so why are you giving out the last four of my SSN??? Then After I tell her I am disputing the debt because this is for equipment that was returned. She then tells me that It is for the installments which I tell her That's incorrect. Her response is " Well if I am wrong, why are you in collections? '' I responded to her telling her not to call me ever again and ended the call. Then on XX/XX/2018, I received an additional call from this agency after specifically stating to not call me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I am a XXXX at a non profit company. I have been receiving calls from Wakefield & Associates ( Phone Number XXXX ) for 3 or more weeks now. When I answer the phone there is no one on the other end. I have called back the number and they say they are looking for a person by the name of XXXX XXXX. I told them we do not have an employee by that name and to stop calling. They said that they would take care of it, but the calls continued. I called them back and told them that by doing this that it was harrassment and that I wanted the calls stopped, again they said they would take care of it. Here we are a week later and the calls continue. I called them today and spoke with XXXX XXXX and I told him that I was going to submit a complaint to the CFPB and he said he would have it stopped. I hope so.

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 2018-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On 2 different occassions in XX/XX/XXXX and XX/XX/XXXX we were told by Citimortgage that we could defer our payments, but we werent told that the interest would add up and come due immediately at the end of the deferment period. This added to our loan and violated deceptive lending laws. Following the deferment period we were pushed into a partial claim agreement in XX/XX/XXXX. We were already struggling with our mortgage payments and trying to save our home and were given the runaround. We were kept in the dark about our options and burdened with excessive paperwork. In the end we were slapped with sub ordinate notes requiring us to pay {$32000.00} which was 3 to 4 times the amount we were behind on payments. 

CitiMortgage misled me and did not notify me following the settlement with the Consumer Financial Protection Bureau in 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