vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello I wired {$60000.00} ( XXXX XXXX  ) to XXXX/Coinbase onXX/XX/XXXX, I verified every information on XXXX page, routing #, acc # and wire message twice before sending the money.

wire info : REF : XXXX XXXX XXXX XXXX TRN : XXXXXX/XX/XXXX After a few days without my Coinbase acc being credited I wrote support and they gave a ticket # XXXX, on XXXX I received this email " '' Hi XXXX, Thanks for sending in the requested information.

The wire may be returned because it was missing your banks details in the originating institution field.

I am working with a payment specialist to address the wire properly. We will follow-up with you as soon as we have an update " As of today XXXX  I haven't received any update on my case, customer support doesn't respond my emails, phone support does not have access to bank transactions, basically there is no real person to talk to about this type of issues, just an unresponsive email address.

bottom line, as ofXX/XX/XXXXI don't know where my money is.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUM FOR CONTRACT WAS WRIITEN AS OFXX/XX/XXXX THE INTEREST RATE WAS 25 % ON THE 3YR  INSTALLMENT LOAN XXXX FOR 36 MONTHS ALSO HAD GAP INSURANCE THREW THE COMPANY CREDIT ACCEPTANCE COORPARTION PUT A TOTAL {$5000.00} DOWN THE VEHCILE WAS AXX/XX/XXXXXXXX WITH XXXXMILS ON THE VEHCILE WE WAS ALSO FROM CAC TOLD US AT THE TIME IF ANYTHING WAS TO HAPPEN TO VEHCILE WITH IN THE 3YRS OV BEING TOTAL THE COMPANY GAP WOULD GIVE US THE FULL PRICE OV WHATEVER THE DAMGES. THE GAP INS WAS SECONDARY INS. FAR AS THE CURRENT INS IF OUR CAR INS DID NOT COVER .THE XX/XX/XXXX XXXX   PRICED AT XXXX $ THE END OV THE CONTRACT ME AND CONSIGNER WOULD PAY XXXX AFTER EVERYTHING WAS PAID TOTALLY CREDIT ACCEPTANCE COORPRATE OFFICE IS LOCATED IN XXXX MICHIGAN PH # XXXX  FOR THE CUSTOMER SERVICE DEPARTMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEMS HAD CONTINUED TO REPORT AN UNKNOWN ACCOUNT ON MY CREDIT PROFILE. I DO NOT OWE THIS COMPANY. THIS COMPANY CAN NOT PRESENT A SIGNED AGREEMENT/CONTRACT BETWEEN MYSELF AND THIS COMPANY. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES.

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 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
On XX/XX/2018, I was notified by XXXX of a negative report that was furnished to it by XXXX XXXX XXXX XXXX. This company reported that I owed it {$96.00}. When I called they purported to represent XXXX  Hospital and claimed that the {$96.00} was the result of a medical bill.

To date, I have never received such a bill, nor have I received any verification of this debt. Yet, Med Data Systems has reported same to XXXX and possibly several other credit reporting agencies. I have concerns that this could be the result of fraud or identity theft.

I have also not received any information concerning the types of treatment that was allegedly rendered, or information about the treating physician, etc. I have since sent out a letter to this company requesting this information, but have not yet received a response. I've also asked for documentation verifying the representation of XXXX  Hospital. I even called seeking this information, yet the company was unable to provide such information verifying the relationship -- that it is in fact authorized to collect a debt on behalf of XXXX Hospital.

This feels like a scam and I am very concerned that my privacy has been compromised.

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 2018-05-30 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX client XXXX XXXX  is an identity theft victim. His information was used to apply for a Kohl's/Capital One XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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:
On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.

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 2018-05-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.

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 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Debt recovery solutions is attempting to collect a a debt in the amount of {$260.00} that I do not owe because I had insurance through the state ( XXXX ) which covered 100 % of my medical expenses which i will prove by attaching a copy of my medical Insurance card. I have repeatedly tried to tell the companies this but " XXXX XXXX '' merely sold this debt to " debt recovery solutions '' in an attempt to dodge my efforts to have this item removed from my credit report. It is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: CA

Complaint narrative:
I have been disputing a item on my credit profile, XXXX, I contacted that company and they provided documents of the debt with no signature. I don't recall such a debt so I want proper verification of the debt with my signature, I have a open complaint against this company and the company XXXX another collection company and Equifax. I was contacted by Equifax by letter saying that the debt is verified as belonging to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX while researching possible rental apartments in XXXX, XXXX my wife contact what she thought was a 2 bedroom 2 bathroom apartment and asked for more information. After learning about the apartment I researched the realtor and found him to be a legitimate XXXX  realtor. I went to the bank on the morning of Tuesday XX/XX/XXXX and wired the funds to the account they had directed the money to be sent too.

We then contacted our bank US Bank where we had initiated the wire and spoke with the Branch Manager on the afternoon of XX/XX/XXXX. We notified them this was fraud and took the steps necessary to open a fraud case. After they opened the fraud case they said they would not know until Wednesday Morning XX/XX/XXXX, whether they were able to stop the fraud. After checking my bank account to see the money had been taken out. We contacted the wire department and spoke with the case investigator who started that wire fraud is not handled by the FDIC anymore and that we are out the money. We did ask what they were doing to contact the other bank and was told they sent a message and would wait to hear back. The other bank involved is a bank called XXXX XXXX in XXXX.

We spoke to the FDIC at this point to clarify whether wire transfers are covered or not. We were told they are no longer covered by the FDIC and to speak to the consumer protection board and file a complaint against the bank. We are filing the complaint as we are extremely concerned about the negligence that the investigator has shown.

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 2018-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: NV

Complaint narrative:
In XX/XX/XXXX We applied to refinance with Bank of the west, ( our bank for 20 years. ) during the process we paid for a appraiser XXXX  that appraisal was ordered wrong and came in undervalue at XXXX. ( according to the new loan with XXXX the appraiser told me that they requested the wrong type of appraisal and they had appraised the building for 200,000.less than the current value. ) When they received the appraisal they were confident that they would do our refinance anyways since we were great customers according to XXXX XXXX. We met 2 or 3 times during the refinance process in the end they denied us saying some lame excuse that our business wasn't strong enough according to XXXX XXXX. ( Every year we have stayed steady in our income or increased even during the crash XX/XX/XXXX.. ) In fact I think they wanted time to have us follow up with their loan we currently have so they would be sure to have there messed up loan processes under wraps until it matured in XX/XX/XXXX. I wanted to refi my building now because the forecast id for interest rates to go up. XX/XX/XXXX, when moving the loan to XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX, they were 100 % in and qualified us in minutes. during the opening of escrow it took weeks to get what we needed from Bank of the west, and all the hold up at XXXX XXXX, XXXX XXXX was due to Bank of the west not filing the paperwork properly and muddying the water therefore charging me interest daily to the tune of over 4,000.plus in interest from their negligence. this is my second complaint against this out of control bank of the west, and I feel based on the fact I was immediately qualified by XXXX XXXX and told by all professionals in their field that bank of the west mishandled the appraisal and escrow they are owing my company XXXX. again this company was my bank for 20 plus years and have poor business practices that end up costing the public money.

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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I disputed this claim from my credit report with the credit bureau. They ( collection company ) responded to the dispute and said the charge was for un-returned equipment. On XX/XX/2018 I emailed the company and provided a receipt from when i returned the equipment ( years ago ) and now they are saying its not because of equipment ( which is what they told the credit bureau ).

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I've had a mortgage with Associated Bank since XX/XX/XXXX. The last two months, XX/XX/XXXX and XX/XX/XXXX, late fees have been applied to the loan despite paying the principal and interest portions before the grace period ending. I called Associated Bank on XX/XX/XXXX and XX/XX/XXXX in an attempt to find a solution to the same problem occurring again. They said I would be required to call every month to have someone manually reverse the late fee. I asked about calling less frequently and waive multiple fees at once.

The customer care representative said she was unsure if I could do that. I then went to my local branch and talked to the Assistant Manager, XX/XX/XXXX ( spelling? ) about the same issue in an attempt to find a solution. He told me they would no longer waive the late fee unless the full payment was made by the end of the grace period.

So, despite the practice of paying the principal and interest by the XXXX  of each month for the past 12 years, I am now being told Associated Bank will do that. It appears to be retaliation for contacting them in efforts to resolve them incorrectly applying late fees.

I believe XX/XX/XXXX. XX/XX/XXXX intentionally intimidated me and was uncooperative in an attempt to punish me for complaining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: KY

Complaint narrative:
XXXX to some credit collection agency yet they aren't on my credit report from 2012 .. My go bill should handled everything yet dept ed.. Sallie Mae loans are all in great standing s right now.. I'm a veteran trying to accomplish my goals and achieve my degrees. yet I have proof these companies were charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: PA

Complaint narrative:
I have a student loan with navient. The loan is in charge/off status due to none payment. In XX/XX/XXXX I talked to a customer service representative and gave a {$1200.00} payment. Then after I make two {$42.00} a month until account is settled. The customer service rep assured me that this account which was opened in 2004 would be deleted from credit report. This has not happened yet .I even sent a goodwill letter to the company and they still will not do what was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I received an email in XX/XX/2018 that my student loan had increased. I was in the rate reduction plan. I called Navient about the pass due prior to XX/XX/2018 because I noticed that the agreed amount had not been deducted from my account. The representative told me not to worry about because of the payroll deduction I had actually paid ahead. Never gave it another thought thinking this was correct until I received a pass due notice. I again called and was told your rate has increased because you are no longer in the rate reduction. This bill increased over {$100.00} without any notification nor was i ever notified that i was no longer in the rate reduction plan. I can not pay the additional {$100.00} yet they are shorting my living expenses by debiting my account this much.

Navient apparently uses a script to communicate with people and every situation is not the same. They dont listen they take money. They do things without notification. They tell you things like sell your blood, move with your parents, sleep under a bridge etc anything but helping the student.

I need this resolved asap before i am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: PA

Complaint narrative:
HunterWarfield continues to try and collect a debt which was already paid. Their client -- XXXX XXXX XXXX, already took in full accord and satisfaction payment to resolve all outstanding claims between these parties. A copy of the deposited check and the agreement has been sent on numerous occasions to HunterWarfield, yet they continue to ignore the legal effect of it and report negative information to the three major credit bureaus in violation of the FDCPA.

This will be the last attempt to try and resolve this dispute with the company before a lawsuit is commenced against them for violations of Federal and State law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
i took a certificate of deposit out with synchrony bank. they advertised no cash out penalty. unfortunately my circumstances had me cash out early and they charged me penalty fees. i was told by XXXX and XXXX on XX/XX/2018 that they would charge me fees.

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 monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
SUBJECT : Capital One Master Card Account We opened an account with you 16 years ago, in XX/XX/XXXX. We did not understand how cash advances worked or how you charged a higher adjustable interest rate vs the interest on purchases. The way we now understand it is this. If we pay the minimum due, its applied to the purchases balance and nothing is applied to the cash advance balance. The cash advance balance just keeps building with an interest rate of approximately 26 %. Just call us XXXX. Just call Capital One crooks.

After many calls and discussions with many customer service reps at Capital One over the past few weeks, we finally discovered the following : Cash Advances from XXXX XXXX XXXX XXXX in XXXX, MD as follows : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} Please be advised that XXXX XXXX XXXX DOES NOT GIVE ANY CASH ADVANCES. THE TWO IDENITICAL AMOUNTS OF {$300.00} ON TWO DIFFERENT DAYS IS SUSPECT. IF AMOUNTS ARE CORRECT, THEY WERE FOR PURCHASES, NOT CASH ADVANCES! We have been paying CASH ADVANCE interest on {$700.00} for 12 years when they should have been PURCHASES???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient and Sallie Mae keep saying I got a student loan in 2006. It is not me, I was not enrolled in any school at all. I keep asking for records but they will not send. Navient will not cooperate and keeps telling me to sign up for deferments to keep off credit but I just want it deleted. It is not me, in 2006 I worked full time and was not in any school at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Nagy Federal added amount for tax assessment change to current loan balance and thats illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I have three mortgages with Wells Fargo. In XX/XX/XXXX, they never sent us 2 of our three mortgage statements and increased our minimum payment because of an escrow shortage. Because we never got the statements, our monthly payment was short. I logged into my online account on XX/XX/XXXX to investigate why we never got a statement and first discovered that we were late on our payments. Second that a statement was NOT in our statement folder which means one was never created. I immediately called Wells Fargo and they had no excuse why an XX/XX/XXXX statement was created for one of my mortgages but NO XX/XX/XXXX statement has been created for the other two. They stated it had nothing to do with my increase in payment nor my escrow shortage. They pushed me up the chain to the " highest '' customer service dept. That was XX/XX/XXXX. It is now XX/XX/XXXX and I have no resolution. They first told me that it was because I pay my mortgage early. Well, I pay all three early and I got one statement. Then they told me that " someone '' had signed up for online statements but that was XXXX  as a statement still should have been created. They continue to give excuses and everyone they have later said was inaccurate. I can only come to the conclusion that this was an intentional act of deception on their part.

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