vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: DISCOVER BANK
State: CA

Complaint narrative:
On  XXXX   XXXX , 2017, I received a letter from Discover Card 's Customer Protection Service department. The letter was in reference to the closing of my credit card account.
The letter stated Discover was closing my Discover credit card account based on their normal account review procedures. In addition, their credit decision was based in whole on the information found on my account. Discover did not specify what information found on my account lead to the closing of my account.
Discovers reason for closing my credit card account is ambiguous and has no factual reason or good cause to close my account.
My account has been opened for 2 years and I have demonstrated excellent on time payment history. I have no negative credit history with Discover Card.
The true reason my account was closed is, because of my age. I am  XXXX  years old and Discover discriminates against senior citizens.
I have a excellent payment history Discover had no reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the   XXXX   hard pulls on my account. Wells Fargo refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.

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 2017-07-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the two hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On   XXXX    XXXX , 2017, Equifax signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On   XXXX   XXXX  , I received an updated copy of my credit report with no changes and a simple statement that the account was " verified. '' There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On   XXXX    XXXX , 2017, Equifax signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
Today is   XXXX    XXXX , 2017 and I have not received the documentation from the original request of   XXXX   XXXX  , nor have I received the documentation from the 2nd request of   XXXX   XXXX  . It has been beyond 30 days, as required by law, for the investigation to be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have previously filed a complaint to request modification assistance due to a loss of income. I have been getting conflicting information on my loan for the past 2 weeks. there has been credit and withdrawals on m y account because the under writing team made some mistakes. My escrow account has been increased several times.
I am very scared and have read new about this case below.
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA   XXXX   XXXX   XXXX   DIVISION Case No.   XXXX   based on this information Ocwen has made mistakes where home owners end up loosing their home due to servicing mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On   XXXX   XXXX  , I submitted a credit card application for a Capital One Venture credit card.
I have high  XXXX  credit score on all  XXXX  credit reporting agencies. I have never missed a payment. I have always paid on time, before my payment was due and never have used more than 1-2 % of my available credit. I have zero debt and my income is over $ 75k/Year.
I 've had a Capital One secured credit card for 3 years now and am wanting to upgrade to the Venture card because of my job and traveling a lot. I could use the benefits.
I was denied the credit card and when i asked for an explanation no one would tell me and said they could not connect me with anyone higher up that could tell me why i was denied. I feel as if they are discriminating because of my age. I was laughed at over the phone when i tried asking for someone in the executive office.
I am shocked at Capital One. I have been a loyal customer that has NEVER had any negative report on my credit. I am trying to stay with Capital One, but if this ca n't be worked out i will be going to   XXXX   since they pre-approved me for the  XXXX  Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
I was given  a {$50.00} Netspend debit card as a gift . The card did not indicate that there 's an outrageous {$5.00} monthly maintenance fee! The entire gift was thereby lost. What an awful company!

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 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I contacted Coinbase on XX/XX/XXXX  to move my funds from one vault to the new vault I created. The reason I created the   XXXX   vault is because I lost access to the  XXXX  email address on the first vault.
I am unable to access my funds in the default "   XXXX   Vault '' due to this problem. Their instructions are clear in stating that if you have lost access to your  XXXX  email address, simply create a new vault and ask support to transfer the funds.
I received a reply from Coinbase on  XX/XX/XXXX  stating they would respond within 72 hours. It has now been almost 3 weeks and I am still waiting for help.
My account is in good standing and I have verified my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I signed up with Wells Fargo along with my son to get the {$250.00} incentive when opening an account and use it 10 times. After I signed up and used it 10 times, I noticed they did n't put {$250.00} in my account ( but my son already got his {$250.00} ). I wrote a message and was told " When a promotion has been credited, customers will see them on their accounts. Without a   XXXX   on file, the incentive can not be applied. '' So I went to the local Wells Fargo branch to submit my  XXXX , weeks later they still said never received, until they called the branch to realize the branch did n't submit it  XXXX  even though they had in their possession. After that they said it would take another 5 business days ( this was  XX/XX/XXXX  ), on  XX/XX/XXXX  I wrote another message only to find out they have no idea what is going on and " have escalated and will take another 14 business days to find out in a letter ''. It is now  XX/XX/XXXX  and Wells Fargo says ( " bonus not posted because I am not " targeted '' ), which is completely false information, and makes no sense if that is true as my son already got the {$250.00}, also the fact they keep asking for more information for no reason. I would like the {$250.00} to be applied to my account or I will have no choice but to take Wells Fargo to small claims court

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 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Since 2012 I have been disputing on loan collections with schools and credit reporting agencies and I have not receive no positive letters.
  XXXX    College was displine by Federal Government and Federal Loan Servicing has n't deleted the negative student collection on my credit report with  XXXX ,  XXXX  and  XXXX .
I can not persue my degree and attending a University if the collections are on my credit and credit files with Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
as of today  XX/XX/XXXX  I had to file chapter  XXXX , this is been on going now for the past 10 months  XX/XX/XXXX  and shellpoint mortgage trying to get a modification loan and have sent unless papers for a lower payment and a lower interest rate we are in an arm of 9 % now and will go higher and payment of   XXXX   per month on a  XXXX  home WHY and so sorry cant qualified for try again so buys them more time to foreclosure to kick us out I had told them over and over we DONT wont to loss OUR HOME we worked hard for for the past 16 years of living there brought in renters and so sorry cant get you a loan WHY this is our American dream being taken for us and no help for us PLEASE STOP THIS FOR HAPPENING AND HELP!!!!! THANK YOU!!!!!! Shellpoint mortgage are heartless and GREEDY SAY AWAY FROM THEM!! also we have been working with HUD to get answer when you try to go to get a refinance they also asked have you tried with your lender first that 's what we have been doing no help!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In  XXXX - XXXX , I made futile attempts to refinance my mortgage with Countrywide Financial at a time when a failing Countrywide was being acquired by Bank of America ( BofA ). I later tried to refinance/modify the mortgage with was BofA ; however, I became suspicious when given inaccurate information, told to skip payments, and learned that their mishandling of paperwork was probably the reason for the inability to service the mortgage ; so in  XXXX , I stopped making payments.
Needless to say, Bof A hired a law firm to pursue foreclosure (  XXXX  ). I responded with a Qualified Written Request ( QWR ), for the original promissory note and its assignments. A notice of insufficient response was also sent, and they consequently ceased collection efforts.
Three years later, BofA hired another law firm to pursue foreclosure ; however, they had produced a transfer of assignment, dated  XX/XX/XXXX . My complaint is not only was the transfer of assignment communicated three years late ; thus violating the mortgage contract, and the Real Estate Standards and Practices Act 12 U.S. Code 2605, but also that the transfer of assignment contains a commonly reported " robo-signature. '' Further, by having the second law firm file this fraudulent transfer with the   XXXX   XXXX   XXXX   Court, they have violated the National Mortgage Settlement.

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 2017-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV

Complaint narrative:
i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: PA

Complaint narrative:
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely my FICO2 which is used by lenders took a severe hit. I started the month of  XX/XX/XXXX at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the Experian agency to a  XXXX . The explanation offered by experian was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XXXX    and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that Experian was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from  XXXX  ( which was satisfied in  XXXX  ) removed from my credit report on or about  XX/XX/XXXX . My FICO2 score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the Experian Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been trying to modify my loan over the last few months but have not received a response from the servicer, Bayview Loan Servicing. I had a previous sale date in  XXXX  and was able to get it postponed but since I submitted my new file on  XXXX   XXXX , 2017 I have not heard a peep or received any mail addressing my modification package. During the week of   XXXX   XXXX   through the  XXXX , I was advised that my account representative was out of town until   XXXX   XXXX  , so I have left 6 messages for her with absolutely no response. In the voicemails, I have been describing my situation and that I do n't want to lose my home in foreclosure. When I call the general numbers that I have for Bayview, I go in circles through their automated system and it just leads me back to the representatives answering machine. I have been going though this for the last week or so. I have an active sale date for  XXXX / XXXX /17 and need some answers from Bayview. Last month something similar happened and I was told that my house was going to be sold and I felt that I was getting blamed for Bayview not working on my file. I am simply just asking for a response from the servicer. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transunion to inform them that I had been a victim of their inquiry issue. The customer service representative would not help to take care of the negative inquiries reporting to my credit report.
I asked for the following inquiries to be removed :  XXXX - XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  - XX/XX/XXXX  XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have  XXXX  loans I have been repaying. When I looked at the details of the loans the disbursement dates, I realized I never took out loans that year nor was I in school. So I have been paying back loans I never even took out. There seems to be no way to ask loan questions in which i can get a straight answer from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.
These accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.

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