vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX  XXXX XXXX did not exists after XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.

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 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
We had a modification agreement in place. We were hit by hurricane Irma. We requested a forbearance for 90 days. XXXX XXXX allowed us to make one payment before blocking our account. We we told to fax a document to them stating were not in litigation, we did. We qlso spoke with their attorneys XXXX XXXX XXXX in XX/XX/XXXX. He called XXXX XXXX and confirmed we were not in litigation. Rushmore refused to unblock our account. We received paper work on XX/XX/XXXX to resubmit modfication paperwork. I called today to let them know we were gathering the documents together and they would be faxed Monday XX/XX/XXXX. They advised we are back in litigation and have added {$6000.00}. To our already overcharged account. XXXX XXXX sold the bad debt while we were in bankruptcy proceedings, illegally. XXXX XXXX sent us a statement that XXXX XXXX had overcharged oyr account by {$3000.00}. Rushmore never corrected the account. They have charged us three times for attorneys fees, over {$15000.00}. We have not been in litigation ever with Rushmore. We qualified for the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
Medical Debt Validation dispute letter was sent certified and receipt by credit agency on XX/XX/XXXX. My request was disputing that the debt did n't belong to me. I requested that the agency ( 1 ) provide breakdown of fees including any collection costs and medical charges. ( 2 ) Provide a copy of my signature with the provider of service to release my medical information to you and ( 3 ) Cease any credit bureau reporting until the debt has been validated by me. 

Received a letter from the collection agency dated XX/XX/XXXX that only provided the original creditor in addition to the provider information. It was then the agency provided me detail information for someone else ( XXXX XXXX ), who 's patient account is n't mine which is a direct violation of HIPAA and FDCPA. 

I called the agency at XXXX and spoke with XXXX on XX/XX/XXXX to get more information as to why the agency was reporting a debt that does n't belong to me. She advised me that the agency would have to reach out to the original creditor to get more information. I then demanded that the agency cease all collection attempts and to remove the debt from my credit report as she did verify that the debt does n't belong to me as it belongs to another person or I will purse CFPB complaints and file a HIPAA violation complaint. She advised me that she is only in the collection department and does n't have the authority to remove the account, after speaking with her supervisor and being placed on hold several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I recently had fraud happen to me.  So this topic is very important to me.  I went through my credit scores and finances.  I noticed two debts owed to an "Advanced Collections."  One account was opened in XX/XX/XXXX for XXXX dollars.  The other was opened in XX/XX/XXXX for XXXX dollars.  I then sent a validation letter via certified mail to Advanced Collections. I then waited a few weeks and they sent something back.  I expected something signed saying I owed money and instead they send me no Validation to owing on these these debts.  During this time, said debt is on my credit report, damaging my credit report and influencing decisions on loans, credit cards, insurance, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Access Financial LLC
State: NM

Complaint narrative:
I originally got a loan for {$300.00} and the payment plans was the following : Payment Schedule : 1 {$100.00} XX/XX/XXXX 2 {$100.00} XX/XX/XXXX 3 {$100.00} XX/XX/XXXX 4 {$100.00} XX/XX/XXXX 5 {$100.00} XX/XX/XXXX 6 {$100.00} XX/XX/XXXX Then I had a medical emergency and I contacted them and we agreed on a new pay back loan structure below, yet they keep claiming I owe them more money. The loan keeps increasing even when they gave me the new payment plan below. They claim on now owe them {$860.00}. My loan never goes down, it just keeps getting higher and I can't afford to keep paying this. I am on XXXX and I only get {$1200.00} a month. I will never have this loan paid off. How can they give me a loan payment plan and then lie about it. I should only have two payments left, but I will be dead before this is ever paid off at the rate they are going. I should only have 2 payments left if you go by their last communication with me. 

Dear XXXX, Your payment plan is detailed below. Please ensure funds are available for payment to process according to the due dates you requested. 

Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00}

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
As of today I have discovered an email from Coinbase stating that they have restored "full functionality" to my account. While this is partially true, it is old news and does not come close to fixing this issues I've been having for almost a month. The Coinbase Exchange has failed to respond in a timely manner to assist with the overall issue I have been experiencing as far as reinstating my ACH Bank Accounts so that way I can buy larger amounts, sell and return money back into my bank accounts. I'm not very happy with the timing or the way this case has been handled since it all began; all I just want to do is have my Bank Accounts reinstated, but in order for that to happen, Coinbase Support has to reinstate them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: WA

Complaint narrative:
I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been investing in cryptocurriencies using XXXX for a while now. I file taxes and do everything legally in the matter. Just last week, my bank - Capital One - without informing it's customers decided that it would no longer allow me to spend my money as I wished to by blocking all funds transferred into XXXX fro capital one accounts. Even though the USD is being put into an FDIC backed and US Treasury approved bank in the US which XXXX uses.The disgusting thing is that they will allow me to move funds from XXXX into their bank, but refuse to move money out of their bank into XXXX (XXXX means the US bank that XXXX is using). This strong arming tactic in controlling the way I legally spend my funds is beyond absurd and would not have been expected in this great nation. I can purchase XXXX and XXXX which slowly XXXX a person, or gamble it away at a casino, but I cannot invest it in a state and federally regulated manner into an asset that is clearly approved and taxed? I hope the CFPB will take note of this and correct these illegitimate actions of Capital One. The money is my hard earned money that should be allowed to be spent however I would like, provided it is legal, without a bank preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am trying to open a savings account with XXXX XXXX XXXX and they are forcing me to give them my income information before I can open an account. I do not disclose my annual income with anyone and I can not find a law on the books that say they are required to gather this from their customers. What I do see is they want this information to target me for the sale of products and I do not want that. I have never hear of this in the past with any financial institution I do business with. Why do they ened annual income other than target sales?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: CT

Complaint narrative:
On XX/XX/XXXX I had blood work drawn at a lab (XXXX XXXX) and they billed my insurance company (XXXX) $XXXX.  The lab is in network and the insurance company has a discounted rate that brought that bill all the way down to $XXXX.  The insurance company paid $XXXX  and I was left with a $XXXX copay which I did not make.Today (XX/XX/XXXX) in the mail, I received a letter dated XX/XX/XXXX  from XXXX, a collections agency, stating that I owed a balance of $XXXX.  Which is 10 times the amount actually due. The representative for my account is listed as XXXX XXXX.I called XXXX and was told that I do, in fact, only owe $XXXX.  When I asked why the letter I received, asked me to pay $XXXX, the representative told me that this was the original amount due and an insurance adjustment had since been made.  I have the EOB from my insurance company and there was never an amount of $XXXX due, also, the insurance payment was processed 2 days after it was received, so there was no adjustment made after the fact.I believe that XXXX purposely misrepresented the amount due to fraudulently collect more than what was owed and also to collect a higher rate of interest and fees if I were to not make a prompt payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I keep receiving calls from a debt collection agency asking to speak to someone I have never heard of before. I told them the number they are calling is my cell phone number and I do not know the individual they are looking for. I requested they stop calling me ; however, they have continued to call me multiple times. The number I received calls from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Past due balance that they are not willing to help me with, call me up to 7 times a day starting at XXXX  sometimes and ending at XXXX. Today they have started calling distant family members who I haven’t talked to in years. This is beyond harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TX

Complaint narrative:
I have tried for two years to get Trans Union to look into a creditor is has three duplicate charges on my credit report, the only thing that differs is the amount of interest charged.  There are three medical bills total that are ligitimate.  This bill collector posted six, as I said three of which are the same bill, different interest charge.  Not only have I not heard from Trans Union with 30 days,  I have not heard from Trans Union at all about my complaints.  There is also a new hard inquiry listed recently that I did not initiate.  The creditor is all the same company, XXXX —— XXXX.  I’m not sure of the last name.  It’s a company in Massachusettes that seem to deal only in medical bills.

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been hit with a $XXXX late fee because my $XXXX minimum payment was not received ON XXXX XXXX XXXX XXXX.  My bank (XXXX XXXX) was closed on XXXX XXXX XXXX XXXX so it scheduled and made the payment on the next business day, which was XX/XX/XXXX.  But that was not good enough for Slate credit card (J.P.Morgan), which says I should have called and made the payment over the phone!!!  The pre-scheduled payment on XX/XX/XXXX was $XXXX, but Slate didn't even say thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
(1) I created a new account at Coinbase.com (2) I linked my XXXX XXXX account to my Coinbase account (3) I transferred XXXX Bitcoin ($XXXX USD) to my Coinbase account from another Bitcoin wallet - this transfer was enabled because Coinbase provided the wallet address to which I could send it (4) After my transfer was made, I could not sell or even transfer my bitcoin balance because my identity was not verified by their system and their identity verification system was/is not working - my funds were held captive and I could not and still can not do anything (5) I contacted Coinbase support two weeks ago (XX/XX/XXXX), I received notification that my request had been submitted but they have still not responded to the issueObviously I should not have been allowed to transfer money to my account (ie Coinbase should not have provided me a receiving address) without being notified up-front that it will be locked there until my identity has been verified - and their identity verification system is not working

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on Three separate occasions my driver 's license and XXXX card were used to rent a car from XXXX XXXX XXXX in XXXX NY. On each of the first two occasions my credit card was canceled and replaced. This third time a fraudulent card in my name was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: CA

Complaint narrative:
My current address shows as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. It should be XXXX XXXX XXXX, XXXX XXXX, XXXX, CA 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