vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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: TX

Complaint narrative:
On XX/XX/XXXX I made a XXXX  payment via my mobile app. On XX/XX/XXXX I made a cash deposit between XXXX cst.. However there was a glitch in CapitalOne system that caused my payment that was submitted after XXXX est to be returned bc there system did not apply my cash deposit ... When I was made aware via email I contacted the credit Card company and initiated another payment with an agent around XX/XX/XXXX or XX/XX/XXXX and the payment return again and the funds remained in my checking account. After that CapitalOne closed my account due to 4 return payments which 2 are invalid because its CapitalOne error on the checking account 360 side. I even made a conference call with CapitalOne 360 who I bank with and they even explained to the supervisor who the call was escalated to that the funds were there but they refused to reinstate my credit CapitalOne Credit Card. I feel discriminated on due to my age. If my bank advised you it was a bank error due to them posting my cash deposit immediately why should my credit be impacted because the bank system didnt post my cash deposit. Now my credit score has been droopy as well as my mother who was authorized on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
A company by the name of new American funding which is a margin mortgage lending company has violated my rights to the equal lending process because I am a XXXX person I was given a loan approval and the loan was frivolously extended and prolonged until their became problems with the sale of the property as a way of deterrent me or discouraging me from the home buying process after being misled and led to believe that the loan was going to be approved for over 60 days the loan was denied without a denial letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Previously using CFPB we disputed this debt through another collection agency who removed it. On XX/XX/XXXX, XXXX XXXX XXXX added it back onto credit report as a collection. Nothing received again from that company, and the debt has never been shown as mine. Also now calling while at work. I have no idea, as before, what this is.

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
1. Vehicle leased XX/XX/XXXX ( lease payments incorrect ) ; 2. Lease modified XX/XX/XXXX, dealership refunded {$1500.00}, paperwork never changed ; 3. On/about first week XX/XX/XXXXhad unexpectected acceleration and braking which XXXX XXXX nor XXXX could determine cause ; 4. On or about XXXX XX/XX/XXXX, additional unexpected acceleration in heavy traffic, again XXXX XXXX could not find problem ; 5. XXXX XXXX, owner then offers to exhange vehicle, but has get approval XXXX XXXX ; 6. Around XXXX   XX/XX/XXXX, notified that XXXX has approved Substitution of Collaterol, ( like kind exchange ) ; 7. XX/XX/XXXX, pick up new vehcile, another XX/XX/XXXX XXXX, with few upgrades ; 8. When get home, check VIN number and they don't match, call XXXX XXXX and XXXX XXXX and report alleged fraud. 9. Since that date, attempted to resolve with XXXX XXXX, Owner, and he has failed to provide proof that VIN number has been corrected and file registrations documents with XXXX DMV ; correct Closed End Motor Vehicle Lease Agreement Louisiana/reduction ; correct Odometer Disclosure Statements/reduction ; and manipulate Act of Sale documents/reduction.

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 2018-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase/XXXX is the same company, I will be referring to them both by using Coinbase. 

I am a customer of Coinbase. On the XXXX, I made a transfer in cryptocurrency from an external company ( XXXX ). The amount transacted was XXXX Litecoins ( worth roughly {$1300.00} at the time ). I sent Litecoin ( a form of cryptocurrency ) to XXXX, to an address that I was supplied for funding my account, and they failed to update my account to indicate the receipt of that transaction. 

While I did make the mistake of using the Bitcoin deposit address instead of the Litecoin deposit address, a small mistake like that should not release Coinbase from their obligation to their customer. 

The issue here lies with the fact that for some reason the address that was supplied by Coinbase works for both Bitcoin and Litecoin, the odds of which happening are very low. In this case Coinbase is the owner of both wallets so they have full capability to correct this matter. 




The transaction may be seen here : XXXX XXXX XXXXXXXX The details for the transaction ID may be seen here : XXXX XXXX XXXX XXXXXXXX The correct transaction is on line 7 : " 7 : Not yet redeemed - XXXX - XXXX LTC '' You can see that the account was credited the amount in question on the XXXX and there are no outputs, so the money is stuck on an account that Coinbase owns. 

It can also be verified via my Binance and Coinbase accounts. Funds were sent and never received. 

I contacted Coinbase immediately on the XXXX. I received an automated response on the same day which provided me with no assistance. I escalated the matter further and received a response on the XXXX that they can't do anything about this. This is unacceptable as from a technical standpoint they as a company are the only entity able to correct this issue. 

I demand that they rectify this issue and transfer the amount I sent to them ( XXXX Litecoins ) to my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I received papers stating I was being sued for not paying the mortgage on my property. I called my lawyer, XXXX XXXX XXXX, who agreed to meet with me at a XXXX  Gas Station to retrieve the papers. XXXX XXXX XXXX took the papers from me without a discussion of price and assured me that he would appeal the case. XXXX XXXX told me not to worry. There was a court date scheduled for XXXX that was canceled for a reason unbeknownst to myself. Instead, in XX/XX/XXXX XXXX XXXX and his associate approached my wife and I with non-disclosure agreements that we both chose not to sign. From XX/XX/XXXX-XX/XX/XXXX, I heard nothing form the lawyer until my wife and I received two subpoenas to appear in court on XX/XX/XXXX to settle {$70000.00} accrued in attorney fees from the case. Confused and obedient, my wife and I attended court on XX/XX/XXXX. XXXX XXXX never spoke with us about what was occurring leaving my wife and I uneducated and underrepresented. During court I told the attorney I did not have any idea of the agreement and did not understand what was happening. During the hearing, I heard the bank and lawyer conversing and alluding to where the check would be sent and in whose name it would be in. I am concerned that I was underrepresented and taken advantage of throughout the course of the case. My lawyers failure to be ethical and transparent has damaged my livelihood and contributes to my on-going XXXX XXXX and medical conditions of which I have been hospitalized multiple times throughout the tenure of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital OneCredit card. I pay statement amount in full every month with an agent over the phone as a deduction from my checking account.. My statement amount this month was {$690.00}. Capital One put it through as a payment on the website and deducted {$1300.00}. I have been on the phone with Capital One and XXXX XXXX  XXXX ( my bank ) for over one hour. Nothing was resolved. XXXX XXXX XXXXXXXX proposed a stop payment but there would have been a {$30.00} fee which I feel Capital One should pay. They did not offer payment of this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
It has recently come to my attention that some CC companies, most notably XXXX  XXXX XXXX and Citigroup, are tracking legal firearms related purchases by their customers with the intent of denying the use of credit cards issued by them ( banks ) for such purchases. As an XXXX XXXXXXXX, XXXX and responsible citizen of the USA I find this Appalling. I am one of the tax paying citizens that bailed them out of their financial irresponsibilitys not that long ago. I believe this type of discrimination is illegal and is a direct violation of the US constitution. I will be asking the US Attorneys office to look into the matter. Also, I have credit cards issued by both of these banks and will be cancelling them immediately. 

Thank You 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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.

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 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect. 
2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.

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 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was contacted by Navient XX/XX/XXXX in regards to my student loans and setting up payment. I informed the lady at the time tat my mother had just went into a XXXX  and I was responsibe for her bill and my current bills, the $ 200+ dollars payment I could not afford. I asked her if there were any options on adjusting the amount as I had did with my goverenment loans. She said " No, you have to pay the $ 200+ amount, that is all that we can offer you ''. I informed her I could not do it and she screamed " well we will put this oh your credit report '' and hung up. At the end of XX/XX/XXXX, I started to monitor my credit report by signing up for XXXX XXXX and there was a neagtive reporting that I had not made payments to Navient in almost 2 years. I immediately called and the customer service agent could not verify my account and stated that my Social security and Date of birth did not match what they had in the system. I then inquired on how it could be reporting as negative/no payments when I have NOT received any written correspondence on what payements are required or any help with a payment plan, also you can not even give me information in regards to my account because you state the info does not match. I called back again XX/XX/XXXX same thing, they did not have the correct info in their system, therefore they can not direct or help me in anyway. I am is desperate need to remove these damaging reportings and get the correct info to try and start a repayment. Navient has been no help and everytime I call I get pushed to several different departments with the same spill given to me about my info not matching what's in their sysytem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my ex Husband Quitclaimed The family Home to Me as we were divorced since XX/XX/XXXX I decided to get a Title search on the Home.I have No contact with My ex-husband Whatsoever And Went through a terrible Divorce so I Had No reason to trust any transactions He made.When I received The Title Search on XX/XX/XXXX I was shocked to discover My Name had been Quitclaimed off of the Home on XX/XX/XXXX, The signature on the Quitclaim Deed is an obvious Forgery and forged by My Ex Husband as it is His Handwriting not Mines.My Exhusband then put the property into a Trust then again changed the Title by Deeding the property To Himself and His new Wife on a Grant Deed as Community property.After removing My Name Illegally from The Family Home He along with his New Wife took out 2 ILLEGAL LOANS! One in the amount of {$410000.00} and the other in the amount of $ XXXX.Shocked and furious Me And My Daughter went To Chase Bank To Complain About these 2 ILLEGAL LOANS I DIDNT SIGN MY NAME ON THE QUITCLAIM DEED SO THE LOANS ARE FRAUDULENT THE TITLE IS CLOUDED.We spoke with a Rep in the Loan Dept He promptly called His Superior Who Told Him to tell Me They DIDNT CARE IF THE LOANS WERE FRAUDULENT THEY WERE GOING TO COLLECT ON THEM REGARDLESS! So I Had No choice but To Go To The Real Estate Commercial Fraud Division of the XXXX.I have A Real Estate Fraud Case with the XXXX right now The Detective was able to Establish The Quitclaim Deed was Fraudulent by contacting The Notary named on the Document, The Notary told the Detective That He Never Met Me in His Life and He did A line Item Search and Found NO ENTRY OF THAT NOTARY SEAL.I went to the XXXX to Obtain the Real Estate Fraud Report on XX/XX/XXXX, The only thing the XXXX established is that the Quitclaim Deed is Fraudulent therefore The 2 loans Aquired after the Fact Are Also FRAUDULENT but that was it! 3 Detectives Later Chase Bank is Now Attempting An ILLEGAL FORECLOSURE ON MY HOME.Now Trustee Corps a DEBT COLLECTION AGENCY SENT ME A NOTICE OF DEFAULT on XX/XX/XXXX! This Debt Collection Agency is attempting To Collect On A Debt that is Related to A FORGERY, In Violation of THE FAIR DEBT COLLECTIONS PRACTICES ACT, Also Penal Code 119 paragraph A that Says it is a FELONY TO RECORD FRAUDULENT DOCUMENTS AT THE COUNTY RECORDERS OFFICE.I would appreciate Assistance As This Has Escalated Into An Emergency I Need Chase Bank To Shut Down There ILLEGAL FORECLOSURE ATTEMPT ON MY HOME.The Sale DATE FOR THE ILLEGAL SALE IS XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I took this loan in XX/XX/XXXX with a cosigner and under the belief that I would have the opportunity to consolidate the loans after I graduated a year after. This option was not available to me so my interest rate of 12 percent and 8 percent at a variable rate fluctuated tremendously. My  original XXXX XXXX dollar loan is not over 50 thousand dollars. 

With my cosigner I was also limited in my options. I tried multiple times to get my cosigner removed under the belief that as long as I made 12 consecutive payments and that my credit score was good I could get them removed. I was denied and never told why even though my credit score is high and my income has increased since XX/XX/XXXX. I was never told just how much interest would accumulate over these years and my repayment options were always either {$500.00} or more and that was not something I could afford. 

I was also misled in the belief that I could defer my loans as long as I went to school. I was told that it was only for temporary and when I asked for proof I was shown a promissory note that did not have this information at all. This was something that seems to have been tacked on after the fact. 

I am struggling to pay classes for my new degree and am overwhelmed by the high interest and the amount of interest that has been added on top of my comparatively low original principal of {$22000.00}. I am now trying to refinance which was an option I wasn't told I could take as I always tried working with Navient ( then called Sallie Mae ) to see if they had repayment programs that fit my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had taken out a payday loan from Speedy cash for {$800.00} in XX/XX/XXXX. 
During the repayment process I had reached out to them to let them know I was having a hard time paying weekly. Unfortunately they kept taking payments from my account which caused problems with al my other bills. I closed that account because they wouldnt stop. During that time I was moving and had some other health issues going on and ultimately forgot about the end of the loan payment. 
XX/XX/XXXX I was served at work with a law suit from speedy cash for {$1900.00} and lawyer fees of over {$700.00}. Ive never been in that situation before and didnt understand what was served to me. While I was doing research and and working time had gone by and saw a judgment had been made against me. 
This was my second loan I had taken from speedy cash. The first loan I payed off almost immediately. So, for them to take this as far as they did for {$300.00} is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation