vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took a loan with XXXX  and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX  called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX  did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes.

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX  sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX

Thanks, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got a letter from Wells Fargo Bank last week. Stating that someone opened an account in my name via online banking. And that this person used Online bill pay long after I closed an account back in 2011. I would like to receive assistance in this matter.

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 2018-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My card wasn't working so I finally called Bank of America and I was told the card was closed. Why was the card closed? I didn't call to close the account! This is my oldest card and Bank of America is trying to destroy my credit rating!

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 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX I sold XXXX BTC for XXXX after a XXXX fee to be transfered to XXXX. 

On XX/XX/XXXX I recieved notice that my XXXX account did not match my coinbase account, so the transfer failed. 

Also I recieved a second email saying XXXX blocked the transfer. I contacted XXXX and they said no attempt to send money was made. Coinbase is mistaken I contacted XXXX  and they said they have no record of any attempt. 

A coinbase CS rep then told me the issue was how I added the account via login, not manual account/routing number input, and then backpedaled to day XXXX as a whole is not supported. 

XX/XX/XXXX I talked to another rep who claimed XXXX is supported. I also recieved an email saying my XXXX account is verified and enabled for transfer. 

Finally I recieved a refund of the BTC/USD but it is pending until XX/XX/XXXX to be transfered to my XXXX account. 

This is unreasonable to hold my USD like this. My account has been credited, but they are holding the money longer than any BTC transaction should take. especially at a nearly 10 % fee of XXXX. moreover, the BTC has already been sold so they are technically holding my USD until the XXXX. 

I am pretty much certain this is not allowed. But moreso, I am expecting this transfer to fail on the XXXX so I am proactively filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX refuses to process my request for TransUnion and XXXX  credit reports as required by Federal Law.

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 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brown Olcott, PLLC
State: AZ

Complaint narrative:
XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX  '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX  '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 
2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? 

To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.

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 2018-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/XXXX I found myself needing a new roof on my home. At the time I was financially solvent, had paid off the mortgage on my home, and was working full time. I didn't want to drain my savings account to pay for the roof or put the cost on a credit card, so I approached my local Wells Fargo bank with the intention of taking out a small, short-term loan to pay for the roof. XXXX XXXX XXXX was my personal banking contact at that time, though she eventually left Wells Fargo. If my memory serves me correctly, I made three visits to the bank. The staff there was resistant to a short-term loan and suggested a line of credit based on my home value. They also did a hard sell on car and homeowner 's insurance and opening up a Wells Fargo Visa card. Eventually I opted for the line of credit and did not open other accounts with them. I was under the impression that I would have to leave the account open for a minimum of three years and that after one year I would be able to lock in a lower interest rate.The account had a credit line of over {$30000.00}, which was my primary complaint. I certainly didn't need that amount of money for my roof and over the next couple of years it was clear that they were using tactics to encourage me to run up the account balance and always reminded me that the interest was deductible on my federal income tax I was encouraged to transfer other debt, such as car or other loans, to this account or to take vacations or spend this money on shopping trips, mostly unsecured debt. I did end up using all of the money, mostly for living expenses and family emergencies. Despite my numerous attempts to close down the account, convert it to a different type of loan structure, or to lock in a lower interest rate, I was not able to. XXXX had left the bank a couple of years into this loan and I had no personal banker to deal with. I was in a position of having to explain the nature of my account to a new person every time or being transferred to a corporate branch where I was given no real assistance or alternatives. All of these negotiations took place on the phone. Over eight years I paid nearly {$10000.00} in interest on a {$33000.00} loan. During that time I was not able to deduct one dime of that cost with the IRS. Eventually it became clear that I would be forced to sell my home in order to pay off the line of credit, which I did in XX/XX/XXXX. After completing my move from XXXX XXXX to XXXX, I ended my relationship with Wells Fargo by closing all of my accounts and went to another bank. At that time, I was relieved to discover that no additional accounts had been opened without my knowledge.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I started with this company I say back in XXXX XXXX and I was told that they would pull my credit report to see where I stand and that it was a soft inquiry well that was wrong it was a hard inquiry that they told me would be free and a onetime startup of XXXX well that was wrong to they charged me XXXX the first day. So when I questioned them about it they advised me they where checking to see if I had funds to cover and would be credited back to my account NO! it was never done, I have spent over {$800.00} dollars with this company for them to write letters and to help me in which it was not an success and now I am being harassed by the law firm that they some how work for legal fees and services .Also I kept calling they would hang up or keep transfer the calls to Different departments and hang up or say they will return calls or better Yet lock me out of the account so I cant see what there doing to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I opened a Credit Card account in XX/XX/XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX in late XX/XX/XXXX and in XX/XX/XXXX I received a letter saying that I was being sued for this debt but in XXXX, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with XXXX XXXX and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XX/XX/XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is violating my rights. Statute of Limitations in XXXX is 3 yrs and XXXX is 10 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: MD

Complaint narrative:
I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. 
My support case ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: MO

Complaint narrative:
BB & T did not remove my Private Mortgage Insurance ( PMI ) from my mortgage payment whenever my loan was paid down to below 78 %. I called them and spoke to two employees. XXXX ( employee ID XXXX ) and XXXX XXXX ( manager ). Both of them falsely told me that I had to write in to have the PMI cancelled. It's my understandign the the Homeowners Protection Act states that PMI will be automatically removed from a mortgage when the balace is under 78 % of the original appraisal value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Made transfers to this prepaid card and when I tried to use the card I was declined by " not authorized '' my access to the online/mobile app has been restricted and the company makes the funds on the account unaccessible to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I opened a Credit Card account in XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX  in late XXXX and in XXXX I received a letter saying that I was being sued for this debt but in XXXXI, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with Capitol one and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The Law firm of XXXX XXXX XXXX XXXX XXXXXXXX XXXX is violating my rights. Statute of Limitations in XXXX  is 3 yrs and XXXX is 10 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX had a PNC Bank Account since XX/XX/XXXX.

InXX/XX/XXXX XXXX  and I started to see a lot of fraudulent activity on his account.

We tried calling the bank and to no avail was an investigation done, the account was not put on freeze nor was the account closed.

We did dispute the unauthorized transactions but a lot of the transactions were denied or reversed and XXXX  was paying double to triple times for those unauthorized transactions.

In XX/XX/XXXX the bank made a {$400.00} error and never corrected it and stated that they had videos from a convenience store ATM and they had no court order to get those videos.

Plus in XX/XX/XXXX his account was finally closed and now the bank states we owe them {$80.00} and the bank is still putting money into and reversing transactions from his definite closed account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank isn't listed in their list of banks. Can't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands. 
In my wallet there is one button that says " withdraw. '' When you click it you are sent to a list of banks. My bank is not there. How do I get my money out? My email with coinbase is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a chase costumer for quite some time with no issues. I recently ( XX/XX/2018 ) got a letter in the mail saying my account is being closed and that I should remove all my money from there. There is no reason in the letter as to why they are doing this. I called them and went to the bank and no one seems to want/able to help me out. They also refuse to give me and reason as to why they are closing my account. They also say that due to this they shut down all my credit cards which never had a late or missed payment ever. Again there is no one to talk to there about this issue either. Seeing as I've never caused Chase any problems with my credit card or bank account I don't see why they are doing this and its very frustrating that when I try to talk to them about it they refuse to give me any help or information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
MOHELA refuses to change my principal according my last payment, despite the fact that it was *auto-debited* ( successfully, according to their own system ) by *their system*. I have contacted them numerous times about the matter and nothing has changed ; I received one message in response that claims the amount is correct, despite their own paperwork. I notified them that if they did not address the matter, I wold be forced ( yet again ) to lodge a CFPB complaint ... no response, so here we are.

I will attach my previous two, and the upcoming, auto-debit notices. They show the following : document of XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00}XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} Each featured an automatic payment made of {$270.00}. Obviously, a payment toward principal ( {$190.00} ) should decrease the principal by that amount, not increase it by an arbitrary amount.

The correct principal amount should be {$20000.00}. It is quite straightforward! Instead, they actually *increased* my principal slightly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation