vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have been selling items on ebay, with PayPal as the money transfer service, for 10 years. I sold a pair of shoes on XXXX for {$150.00} and another pair of shoes XXXX for {$61.00}. The buyers paid for the items and I can see the money in my PayPal account, however PayPal is holding the funds. I mailed the items to the buyers on XXXX and provided tracking information. The notation beside each transaction in my PayPal account indicates that PayPal plans to hold the funds for 21 days. On XXXX, I called PayPal to find out why the funds are being held for so long. The PayPal representative explained their policy, stating that I had not sold anything recently. I explained that I have been selling and handling payment transactions through PayPal for 10 years with an excellent track record of customer satisfaction! The Paypal representative said I would receive the funds 3 days after the buyer receives the merchandise and he was not able to make an exception. So the buyer will receive the funds but I will not receive payment. This is not fair to the seller. I have shipped the merchandise and have nothing to show for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been dealing with Navient over the past few years since they took over my loans from XXXX. I have had three phone calls in the last few months trying to figure out an option to help lower my payment and avoid negative credit reports. I have been working part time and going to school as well. My husband works full time and we have XXXX small children in daycare which my parents help pay for as we ca n't afford it, but we have to work. Every time I have tried to figure out a way to make some sort of monthly payment that is lower they tell me there is nothing to do to help my situation and I should have someone help pay them. There is no one to help and no hidden money. We ca n't afford what they want. They call me at all time of day and night. I do not know what to do as they simply will not work with anyone to make things work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting on XX/XX/XXXX Wells Fargo 's Collection Department started calling my house multiple times per hour. When I answered the phone it was either a computer telling me to hold, or an operator asking for my name and then they hung up. On the night of the XX/XX/XXXX I answered the call and asked why they were calling over and over again, and the operator said - Well " you seem upset XXXX XXXX, this is not a good time to talk. '' And hung up. We contacted Wells Fargo, they hold our mortgage and our equity line. Mortage dept confirmed our XX/XX/XXXX payment was received. We send both payments electronically from our XXXX acct. On the Morning of the XX/XX/XXXX the phone starts ringing again from Wells Fargo. When I talk to them they tell me that my Equity line is 3 days late. I tell them I paid it electronically already and the mortgage dept received it 's payment. After a lengthy phone call the Wells Fargo operator admits they are having an issue with XXXX electronic payments. But they recommend I make a second payment before they report me to collections. The payment was sent on the XX/XX/XXXX. The payment was due on the XX/XX/XXXX, and collections started calling on the XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my Equity payment was being returned. I went to XXXX and received a copy of a memo from Wells to XXXX stating they had closed several lock boxes that XXXX mailed the payments to and the payments were lost. I then went to Wells Fargo to pay my equity line for a second time. On XX/XX/XXXX when Wells Fargo started calling me for a payment that was 2 days late they were aware of the issue with the XXXX Payments. Between XX/XX/XXXX and XX/XX/XXXX - Wells Fargo called my house 19x because of a 2 day late payment they rejected. They hung up on my wife and I on 4 different phone calls. I filed a complaint with the Executive office of Wells Fargo. After a week of reviewing my case they admitted the operator who spoke to me was impolite and they were going to discuss with her how to better handle customers. They lied to me as to the reason the payments were rejected. They lied about when the lock boxes were closed. And they said the problem was because of XXXX. I have a Wells Fargo memo that states the opposite. Wells Fargo 's only offer of compensation is that they are not reporting my XX/XX/XXXX payment late, and not charging me a late fee -- -FOR A PAYMENT THEY REJECTED. I believe calling 19x in less than 24 to collect a debt that is 2 days late, and is late because you cancelled the payment to be harassment. It took me at least 5 hours to deal with both banks to get to the bottom of this situation. Telling me that their collection department is being reviewed and offering me nothing is unacceptable.

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 2017-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have my condo mortgage with U.S. Bank XXXX XXXX. The bank requires a certificate of insurance that covers hazard and flood. My homeowners association dues covers this cost and the HOA purchases the hazard and flood insurance annually and provides us with the certificate. Each year, U.S. Bank places a forced flood policy on the property which is about 4 times the cost of what I could purchase separately, and once I provide the certificate of insurance, they refund the full amount of the insurance. This year I have twice sent them the copies of the insurance certificate, but they continue to insist that it does not cover my property for flood although on the second page it clearly states on page 2 that  FLOOD is covered with the specific sufficient amounts. This morning ( XXXX XXXX XXXX ) I spoke with XXXX XXXX, a senior customer service representative, and she again reiterated that they had no record of flood insurance. I am faxing the certificate to them a third time, and I am requesting that they refund the {$1000.00} they placed against my mortgage. Our condo association is very aware of this practice by banks, and it appears the banks are simply relying on customers to ignore the additional charges and be over insured.

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 2017-08-08 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

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 2017-08-08 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: Credit Plus Inc
State: FL

Complaint narrative:
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

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

Complaint narrative:
I discovered that Wells Fargo opened a checking account without my authorization in XX/XX/XXXX in conjunction with my obtaining a mortgage through Wells Fargo. I only learned about the account when my mortgage was paid off and I received a statement stating that I owed {$30.00}. I called Wells and was told that the checking account fee had been waived for the 9.6 years I had my mortgage but that the {$30.00} fee was being assessed since my mortgage was paid off XX/XX/XXXX. I never knew I had a checking account with Wells Fargo. I finally convinced a Supervisor to close the account. I am reporting this since I never knew until now that I was one of the unauthorized account holders.

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America Can not Verify the information used to obtain a credit card, that they claim is mine. I have had Dozens of credit cards over the years. I ask Bank of America for a copy of the Original application as well as a copy of the photo ID used to open this account on several occasions ... .Bank of America Refuses to provide the documentation that would verify this account belongs to me.

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 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.

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 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am writing this letter in regards to a two issues I have had with Carrington mortgage but primarily due to a recent 30-day late payment. Initially in XX/XX/XXXX I came home from XXXX for vacation. I received several letters saying I was 90 days late on a mortgage payment. Carrington did not process my correct account and routing number to take the automated payment. I called and complained and I was told by the customer rep. that the problem is resolved. Carrington not getting my proper account number then saying I was late was unacceptable. Thankfully this issue was fixed. Then in XX/XX/XXXX I set up an the same auto payment for the same mortgage, with the same system. I double check the account number and the rounting, and their system also have a check system too. When I logged in to set up the auto pay for XX/XX/XXXX, it would not allow me to set up payment for XX/XX/XXXX. I have no idea why. The verbiage was a bit confusing and I thought it was saying that it would take out both payments in XX/XX/XXXX since it would not allow me to set up payment for XX/XX/XXXX. Apparently this was not the case. I just received a 30-day late payment for XX/XX/XXXX. I never got a single phone call regarding the late payment or any paperwork until after the payment was 30 days late. This is a problem I had an XXXX credit score now I have a XXXX. I also had the funds in the account so this was not the issue either. This is a serious problem ; this should be removed from my credit because I clearly have great credit and I always pay my bills. This issue is simply due to a misunderstanding, a auto payment system error and unclear instruction for the payment of XX/XX/XXXX. I am in the process of getting a business loan approved and a home equity line of credit as well. I need this removed from my credit and I need a letter from Carrington saying they authorize its removal so that I can proceed with my loans. XXXX XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Hello, I am XXXX years old and have a decent job working for XXXX XXXX XXXX XXXX XXXX. For work, I help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In order to get to this position, it took 1 year of prerequisite XXXX XXXX XXXX at XXXX XXXX XXXX University and then 2.5 years in a XXXX program at XXXX University in DC. This was unbelievably expensive and after 5 years of payment, almost all of my principal balances exceed the loan original balances. This is mostly due to " Private '' student loans. My federal loan debt is {$100000.00} and my payments are $ XXXX/month ( which is very reasonable ). My private loans are another story. I owe {$53000.00} and my payments are $ XXXX/month. ( This amounts to about 1/3rd of my monthly income. ) I repeatedly asked the private loan companies ( XXXX and Nelnet ) to reduce my minimum payment due to meet my income and they have repeatedly refused to work with me on this. My interest rates on the private loans range from 6 % -8 %  and they consistently treat me ( their customer ) like it 's my fault that I can not afford the payments. My credit has suffered when I made late payments while trying to make rent. I am not alone. Many of my friends and professional colleagues are in a similar position. Ideally, I would like to see private student companies be required to offer income-based repayment just like federal loans. It seems like a very reasonable way to allow young professionals to be able to be more financially stable. I would like to see private student loan interest rates also capped at 5 % or lower. This is one of the main reasons for me and many others being stuck in this endless debt cycle. I would also like to see a much larger student loan interest deduction. In 2016, I paid {$5700.00} in interest on my private student loans however ; I was only eligible for a {$2500.00} deduction. If you could push for private student loan reform and an increase in the student loan interest deduction, I would guarantee you would find overwhelming support from the majority of the students and folks who have a ton of student loan debt. I live in XXXX ( XXXX XXXX XXXX XXXX XXXX ) and would be glad to meet and chat about this request anytime. Many thanks in advance, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase.com account has been restricted for no reason. I am unable to purchase any cryptocurrency. I have contacted Coinbase Customer Support since XXXX XXXX, 2017 with zero responses. I have contacted them multiple times and via different routes but still no response or action on their behalf to unlock my account. Please advise what I should do as they have my personal information, IDs, and credit cards on file. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Summit Financial Corp.
State: GA

Complaint narrative:
On my credit file dated XXXX XXXX, 2017 I received an update to my XXXX credit report from Summit financial. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called XXXX and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to summit financial in order to get corrected updated information, and summit financial REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was approved for American Express Delta Reserve card on XX/XX/XXXX. Terms stipulated that XXXX XXXX XXXX  MQMs ( medallion qualifying miles ) would be posted to my account after the first purchase, and another XXXX Delta MQMs posted after spending over {$30000.00} on the card. I reached this spending threshold on XX/XX/XXXX. As of XX/XX/XXXX, I have received neither the initial XXXX MQMs nor the additional XXXX MQMs to my account. I spoke with an AMEX representative in XX/XX/XXXX, who said the miles should post 8 weeks after the initial purchase, or on or about XX/XX/XXXX, and another representative in XX/XX/XXXX who said that both bonuses would post after the third statement cycle. Both of these time periods have long since passed. On XX/XX/XXXX, an AMEX representative informed me that I would have to contact XXXX XXXX to inquire as to the status of the miles. XXXX XXXX  informed me that they have no record of any miles posting and can not do so until they are allotted by the financial  institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I was called 3 times today XX/XX/17. They wanted a payment. I authorized {$10.00} they took {$16.00}. This will cause an overdraft on my checking account. I called the company back and told them I did not authorize the {$16.00} and want all the money returned to my account. They said this will take 5 days. It only took a couple of seconds to get it from my account. I do owe XXXX XXXX XXXX XXXX for this and was told I could pay over time. This company calls me several times a day and I tell them the same thing each time they 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 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Approximately two weeks ago, XXXX from Bonneville Collections XXXX XXXX office contacted me regarding medical collections. Without seeing anything in writing, I was hesitant to give her my payment information ( at the time she said it was approximately {$35.00} ). She stated a letter was already mailed to me. That may be, but I did n't have it in front of me or remember receiving it and asked it be sent out again. She refused saying it had already been done. She proceeded to raise her voice and talk over me and I requested again that the information be sent to me in writing and to not contact me by phone again. Today, X/X/2017, XXXX called me again, using my employer 's phone number, again requesting payment. This time for an amount exceeding {$1000.00}. I never received anything in the mail from Bonneville Collections after requesting it and was certainly confused as to how the amount could have changed so much without any new information being provided to me. So not only did she not comply with my request for written notification but she called me again using my employer 's phone number.

Company response to consumer: Closed with explanation