vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had XXXX accounts with Capital One XXXX, XXXX XXXX XXXX XXXX. Both of my accounts were closed without any warning. I made large monthly payments and I thought both of my accounts were in good standing. When I learned that my accounts were closed, they reassured me that it was not permanently closed, but on restriction for a short period of time. No reason as to why on restriction. I asked could I reapply to open my accounts and I was told that I could re-open them. When I tried, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I feel I was forced into taking this Interest Only Loan that has a First Mortgage and a 2nd Mortgage lien on my property. I am older and have now been paying on these TWO loans for 10 years interest only and have NO principal pay down on my loan. I've worked so very hard to keep up the payments each month and have for XXXX  years on two loans. Due to this stress and constance work schedule I am now terminally ill, unless I receive a XXXX XXXX. My insurance and XXXX require that I go with a XXXX XXXX XXXX in Texas. I tried to get a transplant in XXXX XXXX, closer to my home, which is in XXXX, Nevada. But my insurance company would not approve the expense in that area. So I was given no choice but to move to Texas. The move an expense of the move cost me literally thousands upon thousands of dollars now. My moving truck with all my items was robbed and all my valuables were stolen. The move itself cost over {$XXXX} dollars. I am working with my XXXX in XXXX, Nevada to Short Sale my home. We have a good offer and it is nearly enough to pay off both the 2nd and the first mortgage. Although, XXXX XXXX will not provide me a moving expense credit on the Short Sale. I know the loan that was sold to me at the time I purchased my home is now considered a predatory loan and with my payments at total of {$XXXX} for both loan & are with the same Lender ( see attached Mtg Stmnts ), I have now over a XXXX year period paid them an estimated {$XXXX0}, XXXX. I know my XXXX has been getting the run around by this Lender and mainly the Investor! I do not wish to take this to court proceedings, I am trying to work with them due to my health condition and are trying to not get upset. Although, the unfairness of denying my relocation expense of {$XXXX} is going XXXX XXXX me to seek an attorneys assistance. But I was told by my XXXX XXXX Might be able to help. I am asking you help me close on this Short Sale as soon as possible please with obtaining a {$XXXX} XXXX Assistance. I am attaching the HUD XXXX showing the request for the funds and how much the Bank/Investor will be gaining with the sale. Please help me for I need assistance and need this all to be put behind me so I can move forward, regain my health and live peacefully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: 360 MORTGAGE GROUP LLC
State: WA

Complaint narrative:
Could you please help me, 1- I had a mortgage loan with 360 Mortgage which was paid in full and on time. XXXX Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the XXXX credit bureaus I found 360 Mortgage had me listed as late. 

3- I have contacted the XXXX XXXX XXXX at least 4 times but 360 Mortgage keeps giving me the same Letter indicating the loan was paid off on time but the 3 credit bureaus need for 360 Mortgage to contact them to resolve the discrepancy. I do not know what action to take any longer. I even asked for upper management help to no avail. ( XXXX XXXX XXXX XXXX ). Please see the 360 mortgage letter below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS ACCOUNT IS OVER XXXX XXXX XXXX AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. 
XXXX XXXX XXXX WAS PAID FULL AMOUNT OF {$XXXX} IN XXXX AND ACCOUNT SHOULD SHOW AS SUCH AND CLOSED ( PAID IN FULL ). PLEASE REMOVE THIS HARMFUL FALSE INFORMATION FROM MY CREDIT FILE. 
THIS ACCOUNT IS REPORTING FRAUDULENTLY.

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 2018-02-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
- I received a credit card from XXXX Bank on XX/XX/2018 which I never applied. 
- I did not activate this card - On XX/XX/2018, I got an email from XXXX asking me to activate the card. 
- Upon looking up my emails, without my knowledge, someone has registered at XXXX website using my email on XX/XX/2018. 
- On XX/XX/2018, I received a call from the bank regarding verifying a transaction and I called back the bank using the number mentioned in the call. I found that a credit card application was made on XX/XX/2018. I requested the bank to cancel this application and the card.

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 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Sir / Madam, I understand that you had responded to the XXXX complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX XXXX XXXX  complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned XXXX complaint with this authorization. Best Regards, 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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I have a mortgage with XXXX XXXX. Prior to refinancing the mortgage was with XXXX XXXX XXXX. I have been on a " XXXX XXXX XXXX '' going back to a least XXXX if not longer. I was asking some questions about the how the payments get applied to the account and learned the program is run by a third party named XXXX. When I researched XXXX on the internet I saw litigation was taken against XXXX for what amounted to false advertising of the product. The research indicated XXXX was ordered to pay back affected customers. I don't recall ever getting any type of correspondence or notices about this ruling, and I don't think I ever got any reimbursement. How can I find out more about this? If the program is not legitimate, why is it still in business? I'm still enrolled in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
On XX/XX/17 I sent a letter via certified mail to Credit Management , LP. It was received and signed by someone from the company on XX/XX/17. In the letter I was requesting validation of a debt that was listed on my credit report for Acct # XXXX. In the letter I also requested from Credit Management : the agreement from the company they are collecting for showing that authorizes them to collect on this alleged debt, the agreement that bears signature of the alleged debtor wherein promises to pay the creditor. Complete payment history on the account to prove that the debt amount is correct. I have yet to receive a response or documentation verifying the debt from Credit Management , LP since requested over XXXX days ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You've paid off -28 % of your collection amount. 
Balance {$1500.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer  disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - {$150.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off -27 % of your collection amount. 
Balance {$150.00} Highest Balance {$120.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo and my household entered into a relationship in XX/XX/XXXX. It began with a small amount of accounts and grew into a larger relationship with three HELOCs, several mortgages, and 22 bank accounts as well as multiple brokerages. There are also 5 credit cards involved.

This banking relationship lacked one primary banker. Instead, I was forced to deal with over 20 different bankers. 

Problem is that aggressive sales tactics created a complicated web of replica accounts leading to issues about making bill pay simple. One example of the abuse is that a property tax payment designated to go out wrongly drew from the wrong default bank account. This problem was because of the multiple accounts and Wells chancing their web site so that the older defaults were no longer in place. 

I wrote to XXXX XXXX in XX/XX/XXXX to ask for his help to resolve the complaints. 

Wells Fargo and I have attempted to mediate the claim three times. Yesterday was the third time. They claim it is non-binding mediation and the mediator last year, based on three accounts, said they should pay {$2300.00}. 

Yesterday, I inquired about the payment. They said because I had additional issues, and turned it down, that they did not know to send. " XXXX '' the representative for the bank, did not tell me her role with Wells or her last name. She assured me that there was no releaser to sign and that I had the right, even if I accepted this money for the account ( my XXXX year old son 's account ), that I could still pursue my other claims. 

Well, I need the CFPB to simply get the {$2300.00}. And I need the CFPB to insist they mediate on the mortgage and HELOC issues since they said the current mediations did not encompass brokerage or mortgages.

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 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Sir / Madam, I understand that you had responded to the CFPB complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX of PA Banking Commission, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX 's CFPB complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned CFPB complaint with this authorization. Best Regards, 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 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have a XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX. I mainly only use it around the holidays for my kids toys. Note : My FICO is over XXXX. 

In short every time I use this card, there are fees and interest ; no matter when I send payment in. Always marked a day late " every time '' Most of the time they remove them, but ; this last time when I called to complain on XX/XX/XXXX @ XXXX, no go. When I asked for a Supervisor they instead hung-up on me! I called back later and even more charges accrued and still no relief. 

Here is my theory, they talk you into the card for the 5 % Discount then they advertise they give another 5 % to Charity. So, in short, " everyone '' gets a late payment no matter when you send in a payment. Always just one day late! There are hundreds & hundreds if not thousands of complaints for the exact same reason on-line. This is a scam!!! 

They bill on the XXXX of the month. Add, 5 to 7 days for mail ( their time frame ) and I am getting the bill on the XXXX. Plus, I allow 5 to 7 days return mail, that takes us to the XXXX. They close out and must receive payment by the 5th. That leaves just 13 days for that transaction to close out. No matter when you send the payment ... always one day late. 

Please look into this matter at your earliest convenience ... I am certain they are paying for their charitable contributions and the discount with exorbitant late fees and following interest charges. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently checked my credit score for the first time in many years and found an account from portfolio recovery llc.The only loan I have taken out in the past XXXX or XXXX years was an auto loan, which was satisfied in XX/XX/XXXX.I contacted portfolio recovery via certified mail and they sent me information that didn't verify anything. I looked into this collection agency and found that they are known for this type of " zombie '' collections.This has affected my interest rate on a car loan which is why I checked my credit score in the first place.In the response from Portfolio Recovery LLC they show a payment of {$170.00} on a statement : XX/XX/XXXXXX/XX/XXXX. That payment was certainly not from me and have not received any evidence from them that it was. From what I can glean from this company I am guessing they made a payment to keep the ( bogus ) account open and not be affected by any Florida statue of limitations and or in order to re-set the clock for their collection window.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Today ( XX/XX/XXXX ) I checked my credit score and noticed that between XX/XX/XXXX and XX/XX/XXXX there was a collection account added to my report. The collection agency is Congress Collection and which has never contacted me in any way. The original creditor is XXXX XXXX XXXX of MI XXXX and which also has never contacted me in any way. The supposed unpaid balance on the account totals to {$86.00}. The year the supposed account was opened was XX/XX/XXXX ( XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: SC

Complaint narrative:
My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I am contacting you to report a fraud perpatrated on me by the company Coinbase located in XXXX California. On XX/XX/XXXX I placed a sell order wire for XXXX Btc or {$360.00} from my Coinbase account to my credit union bank account, Coinbase transaction history notes showed that the transaction ( XXXX ) was completed on XX/XX/XXXX however the funds were never received by my bank. I contacted Coinbase via email and phone over a dozen times as well as sent them bank statments It is now XX/XX/XXXX they have never once looked into the case and have not returned my missing funds. I sent the requested documents including my bank statments to prove funds were never received to XXXX@Coinbase.com. I also contacted support XXXX in XX/XX/XXXX XXXX a manager on XX/XX/XXXX also several other managers and support members and have email corespondance as well in each case, they say that thier team will fix it but I have never received one email from the Coinbase internal team that is supposed to fix and return the money. I feel over 4 months should be a more than reasonable amount of time to correct this error and return my funds and and is also a clear violation of thier printed resolution timeframe of up to 45 days. At this point I am not sure what they are doing with missing customer funds but feel I have been mislead and misrepresented by Coinbase. 


They have a policy clearly noted on thier website that they have not followed, I have copy pasted it as follows : ( We will determine whether an error occurred within 10 business days after we hear from you and will correct any error resulting from a technical mistake, misrepresentation, or omission by Coinbase promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. 


We will tell you the results within three business days after completing our investigation. If we determine that there was an error, we will promptly correct the error. If we decide that there was no error, we will provide you with a written explanation. You may ask for copies of the documents that we used in our investigation. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I spoke with a loan salesman to try and refi my home. they failed to let me that because I had move my home into trust ownership I would not be able to refi. the started the loan underwriting had me pay for an appraisal and deliver all of my information. after all of this was done they stop returning my calls for 4 days before telling me they this information. I had let them know I had an issue with the quick deed and it was not completed. both the loan producer and title company they work with told me to complete the transfer, only to tell me that the transfer would make it so I can not do a refi. They omitted information that would have same me {$550.00} and about 10 hours of time, and then delayed telling me for 4 days

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 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Computer Credit, Inc.
State: NY

Complaint narrative:
My Name is XXXX XXXX XXXX, In XX/XX/2017 our son got into the emergency room at XXXX XXXX ( XXXX : XXXX ). Our health insurance carrier at the time was XXXX XXXX. While the above hospital was out of network we were covered for emergency room visits. 
XXXX XXXX is refusing to partiality pay the bills and now we are receiving collection bills. 
We called XXXX hospital and were told not to worry since we are not responsible ( we have notes of dates, times and names of the people we spoke too ). We appealed through XXXX XXXX and followed all of the possible avenues. 

Attached is the collection bill, copy of our previous insurance and some of the previous bills. 
We can be reached at XXXX for further clarification. 
Thank you so much. 

Yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation