vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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: LA

Complaint narrative:
I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

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 2018-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
I applied for the payday loan on XX/XX/XXXX for the amount of {$600.00}. The {$600.00} was deposited into my account on XX/XX/XXXX. I have been charged {$180.00} every two weeks beginning XX/XX/XXXX. I called today, XX/XX/XXXX to pay off my loan only to be told that amount owed would be {$720.00}. I explained that I have been paying the {$180.00} every two weeks and I'm paying off this loan two months after receiving it, there should be no way that in order to pay it off I would have to pay {$120.00} over the amount I initially borrowed after paying the {$180.00} since XX/XX/XXXX every two weeks. I explained this is almost illegal and that I would be reporting them. They sent me an email stating that because it is a tribal loan that they have a right and I signed off it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
Loancare purchased my loan XX/XX/XXXX. Since they began servicing my loan they increased my escrow account by {$1700.00}, claim I am late on my XX/XX/XXXX payment and refuse to credit me for what is their mistake. Their telephone wait time was one hour and after waiting they said they could not help me. At this point Loancare can not tell me the status of my escrow dispute, the location of my payment and now are demanding well over {$2500.00} dollars to " catch up ''. I have never been late on my mortgage and have a perfect payment history for the last 3 1/2 years.

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 2018-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
In XX/XX/XXXX we applied for a line of credit with XXXX XXXX XXXX. The Line of credit was for {$40000.00}. In XX/XX/XXXX, my wife was diagnosed with XXXX and level XXXX XXXX XXXX. The line of credit we had only spent {$13000.00} of the total amount. And fell behind on payments and was in the process of negotiating with XXXX to settle for {$5000.00} to pay off this line of credit. The line of credit went into default and was written off. ( The loan was then sold to XXXX XXXX Prior to Default, which merged with XXXX XXXX XXXXXXXX XXXX. Ditech has written of the debt but not claims we owe then {$45000.00} with no explanation. I have mentioned to them the amount we spent and requested payment history. 

I have requested payment history of the line of credit and noticed something on the payment history that said amount XXXX balance XXXX with a description of former RL. which I questioned and asked for proof which we have never received. I am attaching the payment history and a letter I sent Ditech in XX/XX/XXXX. I have circled the item in question and have not ever been told or given proof of the phantom item. My wife is very ill at this time and I am trying to get this matter settled. I have offered to pay the XXXX to settle the debt. even in XX/XX/XXXX of this year, I have offered to settle the debt for XXXX just to get this matter behind us. And have heard nothing from Ditech. the so called supervisor of our case her first name is XXXX. and would never provide her last name or I do not remember it. 

We desperately need help to get this matter settled and removed from our credit report. I am at my wits end on this matter and Ditech will not settle this matter nor help to reach an agreement. I have asked for proof of the monies spent and they can not provide anything, to verify the money we spend or the balance of what was left on the line of credit before it went into default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: FL

Complaint narrative:
I asked his company to verify the debt and in return received no proof to do so. The company does not have my correct information to and only has my address from my dispute to verify this debt. This is not proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hyundai without warning is now charging {$3.00} to make a one time payment online, something that was advertised as a free feature when I took out the loan. 

This is a push for autopay so we cant pay ahead. 

Loan taken out XX/XX/XXXX, received notice on XX/XX/XXXX statement to be effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received an offer from Wells Fargo Bank for a {$500.00} bonus for opening a checking account. I opened the checking account on XX/XX/XXXX. I opened the account at the Main Branch in XXXX TN. 

The requirements were to deposit {$2000.00} within 60 days of opening the account. I had deposited over {$2000.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service to inquire about the bonus. I spoke with XXXX. He informed me to visit the branch I opened the account with. On XX/XX/XXXX, I went into the branch and spoke with XXXX. She informed me that the promo code was not applied to my account and would be credited by XX/XX/XXXX. I waited until XX/XX/XXXX, and when I inquired about the bonus I was told that there was a system error and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I inquired and I was told the money would be credited to my account by XX/XX/XXXX. 


It is now XX/XX/XXXX and I have not received any credit. Wells Fargo acknowledges I am entitled to the bonus, but they keep delaying it further and further. When I inquired about it today, I was told to wait until XX/XX/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 monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I'm filing this complaint against this company today because they are and have violated all of FDCPA rules and regulations when it comes to collecting payments. The branch manager especially, XXXX. She is very rude and very unprofessional. I had gotten a loan from this company in XX/XX/XXXX, she was very rude when going over the paperwork. I missed my first payment and advised them that I would be late, the employees called me everyday, I wasn't even 30-days late and they contacted all of my references along with leaving voicemails and on top of calling me during my work hours which I had given and advised when would be the best times to reach me, which was completely ignored. XXXX and he employees harassed me by calling me over three times in one day, leaving me voicemails all in that day, and calling my references and leaving them voicemails as well. My references called back and advised to remove their number from the list and was told that wouldn't be contacted anymore. Today, XX/XX/XXXX XXXX contacted me, she and i talked I advised that a payment was already made online, she still called my job, left a message with my boss, and called my sister after she was informed a month prior to remove her number, which was completely ignored. XXXX, also made an attempt to sabotage a loan I was getting with another company by contacting them back and advising them not to give me the loan, which again is against consumer loan policies. I have forwarded all of this information along with the the phone calls and voicemails over to my attorney and which we will be proceeding to file legal actions against this company for harassment. I no longer want any dealings with this company and I advise that they make no further contact with me. I advise to speak with my attorney.

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 2018-02-26 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: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/18 1 of 20 XXXX XXXX has incorrect information as showing when XXXX XXXX XXXX did not report this and Experian has information missing from the original year from the start on this account. 
Experian does not provide the history of to when the account started and years skip on this account. 
Experian has ND for ( No Data ) if Experian was gathering information why is so much missing???? 

XXXX XXXX XXXX never reported this account so how is it Experian has information when they by letter never reported this account and why is it on my credit file and showing the way it is by Experian. 

attach letter showing there was or no Delinquency on this account

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 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I intended to pay off my XXXX XXXX XXXX Chase credit card in XX/XX/XXXX and included more than was on my bill to capture any additional interest that may have been applied to the card. I then incorrectly assumed that the card had a zero or positive balance. When i opened the most recent bill from them at the time XXXX XX/XX/XXXX ) wondering if it had the annual fee on it I had a {$13.00} balance that had carried over from when i thought i had it paid off and the yearly fee of {$100.00}. 

I then made a {$200.00} payment and have carried a positive balance up through last week. 

I recently applied for a home loan mortgage and this had hit my credit report as a serious delinquency. I called Chase today to request a goodwill removal of the late fee but they would not discuss it with me stating that they have a strict policy. 

I have had this card with Chase since XXXX of XXXX and have always been in good standing typically carrying a balance of over {$2000.00} and making payments of {$50.00} greater than the minimum payment sent in auto pay from my bank account. 

I feel that it is unfair to even be unwilling to listen to my concerns or take my history with the company into consideration when requesting that a {$13.00} late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: National Credit Adjusters, LLC
State: UT

Complaint narrative:
I paid National Credit Adjusters {$1600.00} on XX/XX/XXXX, they show my account in the negative and still open, {$2100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$2100.00} Highest Balance {$2100.00} Opened XX/XX/XXXX XXXX XXXX yr ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX This account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I signed up for the " free '' account with Experian and then tried to cancel. You can't cancel online, I got disconnected by phone, so I emailed them on XXXX XXXX, XXXX asking for full cancellation. I am being charged $ XXXX for a service I don't want and didn't ask for. 

I tried calling again tonight, XXXX XXXX, XXXX, and after taking my social security number and birthday, they said they couldn't see the charge on their end and needed my credit card information, which I didn't want to give. I called my credit card company and filed a dispute today, but they said they couldn't end the monthly charges. So I called Experian again, went through the phone tree, and the message was " you have a free account, goodbye. ''

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 2018-02-26 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. 
This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. 

Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. 

I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. 

I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
This is a complaint regaurding the website Coinbase. Recently ( around XX/XX/XXXX ), when logging into my coinbase account I received a notification that a debit card transaction from XX/XX/XXXX for {$500.00} was reversed and that I was required to make a payment of {$500.00} to unlock my coinbase account. I contacted my bank to see if there were any payment reversals from coinbase and there weren't any. I have bank statements that can prove this. The debit card I made the purchase with is no longer active as well, although I don't see how this could affect this situation. I contacted the coinbase support team and they said they created a support ticket and in the meantime I did nothing with my coinbase account. I had a balance of over {$1200.00} in my USD wallet on coinbase and a few days later Coinbase decided to take out {$500.00} from my USD wallet and forced me to double pay for a transaction I already paid for, leaving my balance in my wallet on the coinbase website with only around {$700.00}. I feel completely scammed by coinbase because there is no way a reversal could have happened because COINBASE ALREADY RECEIVED MY {$500.00} ON XX/XX/XXXX. So I was charged twice. Once on my debit card on XX/XX/XXXX, and I was charged again from my coinbase wallet over a month later. I would not have received the cryptocurrency coins I purchased if it didn't go through. I would like my {$500.00} back and can provide any necessary information to prove that there were no payment reversals by my bank. The support ticket I opened with the site is support ticket XXXX.

Company response to consumer: Closed with explanation