vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I use to have Capital One mastercard which i closed and paid in full on XXXX XXXX, 2011.
shortly after closing i received another statement with {$1.00} charge, i called to see why and i was told that was computer glitch and promised to be fixed. i have been trying to resolve the issue but Capital One has no record of my account or they claim that is old and no longer on their systems, however they continue to report negative item to credit reporting agencies. As of today despite my efforts and numerous call and letters sent to Capital One, this matter still reflects negative on my credit reports and have been denied and turn down loan because of it. my closed account ends with # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just read Wells Fargo 's response to my complaint ; you conveniently just closed it, without so much as a follow up response from me or any feedback. Please re-open this complaint against Wells Fargo. Their response was a rote, boiler plate response devoid of any personal touch, of humanity. They failed or ignored 95 % of what I documented in my complaint. Their non-response touched on the {$35.00} which I HAD REMOVED SUBSEQUENT TO MY COMPLAINT BECAUSE THE XXXX TEAM AT WELLS FARGO FINALLY RESPONDED. So Wells Fargo 's useless response regarding the {$35.00} was late and ineffective and inconsequential. As to them telling me they will not pay me interest of 1.30 %, I had to laugh, since that was mentioned to point out a FACT, not to request this fraudulent company to actually respond by paying me interest ; again that response was laughable and is WHY I DO NOT KEEP ANY RELEVANT MONEY WITH THIS UNETHICAL COMPANY. Sending me two PAGES or their hold policy was not requested, not needed, not warranted, not in any way, shape or form an adequate response from a human being. I would like a personalized response, from a human, not a boiler plate that adequately answers to every one of my many grievances with this company that shows they actually take the time to read the complaints filed on your platform. It seems the CFPB is complicit in their non-action and failure to review the responses to our complaints. How could you have closed this complaint and found it in any way satisfactory ; it was not! How can XXXX operate so differently from this very questionable company known as Wells Fargo???? That was not explained, touched on, responded to, acknowledged, or referred to. THIS IS AN INCOMPLETE RESPONSE AND A FULL RESPONSE IS EXPECTED.

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 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services
State: CA

Complaint narrative:
At the time services were rendered I was notified by the nurse that I did not have a co-payment for urgent care services. After checking my insurance she indicated that she was unsure and if I was ok with at least paying {$50.00} to cover it just in case but that no other fees would be associated with this. I never received a letter or bill from the urgent care facility nor did I receive anything from the financial debt collector. I called and spoke to XXXX at Sequoia financial and asked why I was placed into collections he indicated what the debt was for but had no paperwork or any evidence to support the claim. I still have not received anything. We exchanged words and I told him how the admitting nurse told me the {$50.00} co-pay was supposed to cover my visit yet he still was not able to provide additional information. A month or 2 passes and I get a prank phone call to my house from the police station indicating that someone was being held up in my house at gun point being robbed and locked in a closet. This happened on XX/XX/XXXX. The police responded to my home and I could see and hear someone who sounded like XXXX across the street in a black SUV which indicates to me he made the false claim. The police were unable to trace the call back to the originator as it was a masked phone number made from a computer. Not sure why a collection employee would perform such acts however this is still on my report and all other credit agencies have removed it except for XXXX because Seqouia indicated it is a valid debt. I can not be held responsible for charges I did n't approve or tell them to bill me for. I paid my co-payment in full at the time services were rendered and then received an erroneous collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have been exploited financially by my mortgage lender, 5/3 Bank, by their predatory lending practices. I am and XXXX XXXX XXXX and was advised by 5/3 Bank to do a military financial hardship package because my residence was damaged during XXXX XXXX. My home was in a declared disaster area and a 5/3 Bank employee ( named XXXX ) encouraged me to do a forbearance plan in order to afford the repairs on my home from the hurricane. She told me that a forbearance plan would allow me skip 3 months of mortgage payment without penalty and would help me get through the devastating financial blow. I did as she suggested and skipped XXXX, XXXX and XXXX 's payments, resuming regular payments in XXXX 2017. I sent several follow up calls and emails to XXXX, but she stopped responding entirely after I had skipped the 3 months of payments. 5/3 Bank has used the skipped payments to justify foreclosure and has been sending documents and my mortgage payments to the SC home, despite knowing that I do not live there. They have illegally presented fake mortgage assistance and disaster relief options and have manipulated this situation to create justification for foreclosure. Additionally, they have used this false pretense to charge me late fees and are claiming I owe over {$10000.00} in missed payments because they have returned my mortgage checks to me. I have been preyed upon by 5/3 Bank because they know I am XXXX XXXX, divorced, supporting my XXXX year old daughter and XXXX mother and was relocated to a state that does not have physical 5/3 locations to dispute their illegal actions. I have also expressed to them that I am undergoing XXXX treatment and am unable to communicate during working hours because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC

Complaint narrative:
XX/XX/2017 I send mony to one of the agent TRANS- FAST REMITTANCE LLC.I send {$1100.00} to XXXX. the problem is mony did n't arrive when I check the bank in XXXX it should minutes only but now it almost 4 days .. I call the customers service they said it was cancel by the agent .. I try to call the agent but they never answer the phone .. I 'm so upset already coz I need to pay bills in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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:
7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name ... I have written to all 3 credit bureaus and repeatedly they have showen negligence in removing fraudulent items from my report. My initial letters, police report listing fraudulent items & FTC affidavit were mailed to them XXXX,2017. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulently being listed on my credit report under Experian and Transunion. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required to be sent in the 1st 45 days of a dispute and then the bureaus must be sent to me with notorized proof they are mine. Neither of these have been done. I would like these items removed. See the following :

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 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I initiated an online PayDay Loan with Castle Pay dba Red Rock Lending in the summer of XX/XX/XXXX. I paid the loan off in XX/XX/XXXX and received a receipt from a New York legal company stating 'above listed account has been paid in full with no further legal obligation as of this date '. But this past XX/XX/XXXX another legal company stated a summons was about to be sent for me to pay off the account. I paid again and received another receipt stating no further legal action would be taken ( but then realized I had paid this account off in XX/XX/XXXX) I called Castle PayDay ( now doing business as Big Picture Loans ) and stated the issue and that I needed final documentation that I had paid my account off and that no further action would be taken. I was told by a supervisor that my account was closed, I requested an email and I have not been sent one as of yet. Basically you pay this company off and they keep coming after you threatening legal action. THIS IS WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: LA

Complaint narrative:
Hi, I initiated a wire transfer from my bank, XXXX, to Coinbase two days ago. Wire transfers usually take a day, so I gave them a day before I called their bank, XXXX XXXX XXXX. Their bank said they have received the funds so I need to contact coinbase. I sent coinbase an e-mail but they just keep giving me automated responses. I searched online for people similar to my problem and it seems many people are having this problem for I do n't know what reason. They charge money to wire but they do n't give us funds in the same day. I am afraid they are stealing money. Here are the details of the transaction. Wire amount XXXX U.S. Dollars ( USD ) Wire date XX/XX/XXXX at XXXX XXXX ETXX/XX/XXXX at XXXX XXXX ET Message to recipient XXXX Message/instructions to recipient bank XXXX Transaction number XXXX Fed reference number XXXX Status Completed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : XXXX XXXX Transunion Report File Number : XXXX Hi. After receiving my credit report from Trans Union I discovered that I have an exorbitant number of inquiries on report that should not be on report. Some of the inquiries consists of multiple dates. I pay all of my bills on time and have excellent credit. I 'm trying to buy a house and was denied funding due to the excessive amount of inquiries on my Trans Union report. The only inquiries that should be on my report should be the from the companies that I have open accounts with and the mortgage company from who I was denied credit. There should not be multiple inquiries either. I made an attempt to correct the issue with Trans Union via their Rep. XXXX XXXX who said that he could not access my report because it was being handled by the fraud department. I explained to XXXX that I did n't believe that a fraud had occurred and that the misreporting was, in fact, something that Trans Union did. XXXX XXXX acted insensitive to the fact that Trans Union is reporting inaccurate information about me and proceeded to give me the telephone number to their Fraud Victim Assistance Department @ XXXX after I repeatedly told him that I know for absolute certainty that a fraud did not occur. I contacted the Fraud Victim Assistance Department and the only option available to speak with a representative states, that if I believe I have been a victim of fraud to push 5 to speak to a representative. Trans Union is reporting inaccurate information and bullying consumer 's by pushing their complaints into a system that offers them no opportunity to voice their complaint and fix the errors.

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 2017-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX, 2017, I sent to you a QWR and Debt Validation request. Request for information under Regulation X 12 C.F.R. 1024.36 and Regulation Z under 12 C.F.R 1026.36 - Upon review you did not provide specifically requested the Full Name and Address of the Entity that is owner or assignee for the Note, located at : XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in regards to Wells Fargo issuing a Debit-BD Recovery Offset from my personal deposit account ( XXXX XXXX2017 ) while I was in the middle of negotiating pay off of an outstanding Business Account Credit Card debt. I had an outstanding debt on my business credit card account for an XXXX that recently became insolvent. I was in the middle of negotiations with a Wells Fargo representative to resolve my debt when a family emergency occurred, leaving me unable to respond to any of the calls or messages that were left for me. However, previous to the emergency, I was taking positive steps in negotiating a settlement agreement to pay off my outstanding debt. But during the time I became temporarily unavailable due to a family emergency, Wells Fargo unilaterally froze my account and withdrew {$2000.00} from my personal checking account ( XXXX XXXX2017 ), where I receive my direct deposits from work, without any notice. Moreover, the agent that I was put in touch with to discuss what had happened was extremely and unbelievably rude and laughed stating that there is nothing I can do and that the debt has been paid in full while threatening to disconnect the call.

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 2017-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.

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 2017-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XX/XX/XXXXI called the number on my CD documents to determine the amount still in the CD. The last transaction was in XX/XX/XXXX. I was transferred many many times and could not get an answer. Eventually I was informed by phone that the records could not be located. I called the local consumer news advocate who also spoke with US Bank. Then, in XX/XX/XXXX I received a written letter that there was no information regarding my CD, it must have closed. My CD has not closed, I purchased three CD 's at the same time int he same amount. I used 2 fully and withdrew {$1100.00} from this CD in XX/XX/XXXX, afterwards, it kept renewing, as it had been. Now, I can not get any information about the CD.

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 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX Diversified Adjustment Services received a letter from me requesting that they cease all telephone communication with me. On XX/XX/XXXX, Diversified Adjustment Services contacted me via telephone. I informed the collector on the phone that I had requested in XXXX that they cease all telephone communication with me. She told me they have no records of an account from XXXX. I called back asking to speak with their compliance department regarding the issue on XX/XX/XXXX. I spoke with an XXXX who told me that they do not have a compliance department, then transferred me to her co-worker 's voicemail when I asked to speak to who 's in charge. I called back and spoke with a XXXX XXXX who told me that previous request to cease contact via telephone do not count for different accounts. Diversified Adjustment Services has violated the FDCPA by contacting me via telephone and providing me with misleading information. In addition, Diversified Adjustment Services does not keep accurate records of past collection accounts and correspondence with people they 've attempted to collect debts from. I DO NOT feel comfortable with them having any of my personal information. I have provided a copy of the letter Diversified Adjustment Services send me in XXXX, the letters I sent them, and copies of the return receipts they signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I have been looking to try to obtain a loan modification for the last 1 year with my bank M & T who I am confident do not have the original promissory note, I was denied last on XXXX XXXX2017 and I was not given a specific reason why, since XXXX XXXX XXXX has not done much to help and I feel that they are violating my Home Owner Bill Of Rights.

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 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Financial Loan Service held our mortgage from XX/XX/XXXX toXX/XX/XXXX. Starting in XX/XX/XXXX they illegally forced and charged me for a duplicate insurance policy. My insurance I had carried all along was still active and in place yet they doubled up on a policy and forced me to pay it. I spend over a year providing documents and following all procedures they insisted on in order to clear it up. Due to the monthly payment increase I was unable to keep up with the additional increase that was unjustly being charged. Many attempts were made to modify the loan, yet Bayview was non-responsive. By XX/XX/XXXX I was advised and pushed into a corner to stop payment completely and file for a short sale on the property. During the short sale of the property, Bayview was investigated several time by the federal government and disciplined for their inadequate and wrongful practices. This short sale was finalized and paid for in XXXX of XXXX. I was told this history would only reflect and show detriment to my credit for a couple of years. As I apply for loans, I am constantly haunted by this troubling past. I would like all the accounts associated with Bayview to be cleared off my credit. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CU MORTGAGE SERVICES INC.
State: MN

Complaint narrative:
The company responded to our complaint, # XXXX, however, in their response they attached a corrupt file that can not be opened.

Company response to consumer: Closed with explanation