vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account. 
Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During the refi process with Wells Fargo an apprasial was ordered. Unfortunately in the end we had decided not to refi with Wells Fargo becuase a better rate was found at XXXX XXXX XXXX XXXX. In order to not pay another {$650.00} in appraisal fees we requested Wells Fargo release the apprasial and the appraiser to XXXX. Wells Fargo response is we do not release appraisals/appraiser 's. I do n't understand this practice and costs the Wells FArgo nothing to release the apprasial/apprasial.

I do indeed have a copy but XXXX claims the appraiser needs to be released in the case they have additional questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: FL

Complaint narrative:
WE were contacted by CityWorth Mortgage and had an approval letter for a FHA loan in the amount of {$140000.00} to buy a house. We worked with a realtor and found a home on XXXX XXXX, 2017,  and had signed a contract to buy the house and gave the title company $ XXXXto start proceedings and buy said house.My husband and I attempted to contact XXXX XXXX XXXX the broker with CityWorth Mortgage. The realtor we were working with also attempted to Call XXXX XXXX and could n't get a hold of him. We were on a time restraint and since XXXX XXXX was not responding to any emails or phone calls we went with a broker the realtor has worked with before. The broker told us we did not qualify for a loan at this time and did n't know how CityWorth Mortgage could say we did. We had already given the title company {$1000.00} and no way to buy the house and had to cancel the contract. I have filed a complaint with Consumer Affairs and the company 's response was a fabrication of what they did to try and resolve this. In addition, the company did n't even contact us when we were trying to contact them until after the complaint was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXI requested for XXXX XXXX credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as XXXX XXXX with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XX/XX/XXXX I have not received those documents from the creditor either has XXXX XXXX. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA

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 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit CardsXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX+ Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been charged repeatedly by a company whose services I cancelled many months ago. I filed a claim with Bank of America, and mailed the required form within the specified timeframe. Bank of America claims that they did not receive my form and are debiting my account the funds fraudulently taken from me. 

I have spent hours on hold and am unable to speak to anyone. My calls are not returned. No one responds to messages or emails. The local banking center said there is nothing they would do to address this. 

Money was stolen from me and Bank of America have done nothing to address this.

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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I paid a one time fee of {$50.00} towards a debt that was owed to XXXXXXXX XXXX XXXX XXXX. The lady I talked to in XXXX, tried to tell me how much I needed to pay to stop the debt going on my credit report. I noticed on XX/XX/XXXX I noticed a charge on my bank statement that I did not authorize for {$50.00}. I called my bank, they could n't tell me the company who took the charge, my bank looked up on XXXX, and came across the debit as fraudulent and disputed the charge. I then remembered who the charge could have been from, called the collection agency, and explained that I have not been in contact with them to authorize another charge. There 's absolutely no reason why my credit card was saved on file. I did not authorize, give consent or permission for anybody to charge my account. That is illegal and considered theft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH

Complaint narrative:
The Current mortgage loan servicer, Pennymac Loan Services of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX does not possess an indorsed promissory note from the original servicer of the loan, XXXX XXXX XXXX XXXX. In fact, XXXX XXXX XXXX XXXX noted that it has lost the possession of the original note as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am using Coinbase for digital currency which is US based in XXXX XXXX. I created a vault option they allow to make it more secure. In order to create a vault, you have to add a secondary email so when you withdraw, an email is sent to your primary and secondary email to approve. I got an email stating my vault was created correctly under my main email XXXX and my secondary email of XXXX My ETH vault displays my secondary email as XXXX This is not my secondary email. I emailed 5 times sinceXX/XX/XXXX tilXX/XX/XXXX. I called twice to coinbase support and got the same response. " My case has been escalated to a specialist. '' I advised the support center person that I need access to my currency. I even told the support person that one of the emails from your support team suggested that they can move my coins/tokens from my ETH vault to my ETH wallet so I can have access to my own currency. I have all email proofs and need help resolving this asap. Each time I call them, they have me wait for 30+ minutes before a support person gets on the line and sometimes they dont even answer during business hours.

CASE # XXXX XXXX XXXX  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lota Financial Group, Inc.
State: MI

Complaint narrative:
Hello I am not quite sure I have a real complaint. 

I have been trying to get a definite quote from XXXX XXXX ( NMLS ID XXXX ) for refinancing my mortgage. After a lot of wiggling around, I finally got Loan Estimate with a lock on XX/XX/XXXX emailed directly to me ( no signatures, attached ) and I got an email on the same day asking me to e-sign the documents on XXXX XXXX XXXX. When clicking on XXXX XXXX XXXX the loan number ( picture XXXX ) was different than the one on Loan Estimate. So, I did not proceed. 

Today ( XX/XX/XXXX ), XXXX XXXX forwarded me an email from XXXX XXXX ( XXXX ). XXXX claims that the loans are the same, however, he attached a screen shot ( picture clarification ) which seems to show that they are not. Note that this picture shows two different loans : 1 ( float ), 2 ( LE locked ). I think I was emailed 2 but I was asked to sign 1. 

I am not in mortgage business. This could be either blatant attempt at fraud or just clumsy way of accounting. I got other offers which were much more transparent. Can you clarify this ( if Trump did n't fire you yet )? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Logged into my online banking, but it say I am blocked by TD Bank external?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX, I secured a vehicle loan Toyota Motor Credit a/k/a XXXX XXXX XXXX. ) In XX/XX/XXXX, I became ill and filed for Chapter XXXX relief. My car loan was not a part of the Chapter XXXX Plan. In fact, my plan specifically stated that I would continue to make my monthly payment to Toyota, which i did. Even though I made all payments to Toyota and did not default on the terms of the loan, Toyota/XXXX reported my " account '' as " part of chapter XXXX bankruptcy '' -- so it shows up as a derogatory account. I disputed this error with XXXX XXXX and they were unsuccessful - Toyota refused to fix their error. 

I called XXXX XXXX XXXX directly ( on three-way conference call ) with my bankruptcy attorney and we both explained to at least 5 different people that they were reporting my account inaccurately and sent a copy of my Chapter XXXX plan showing that my car loan was not included in the plan. They acknowledged that " while my loan with XXXX/Toyota was not a part of the plan and even though i was making payment, they were required to report as part of the bankruptcy. '' I paid off the full loan amount including interest ( prior to the contract end date of XX/XX/XXXX ) and it still shows up as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: NV

Complaint narrative:
In XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XXXX early XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: NV

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: NV

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: SC

Complaint narrative:
I.c system is trying to collect on a debt that was remove from my credit months ago from XXXX for {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation