vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My student loan company Navient has scheduled an increase on my repayment plan to XXXX as of XXXX/XXXX/XXXX that i did not authorize that was once before XXXX which i started to payment XXXX/XXXX/XXXX. When i spoke to Representative he said the plan i was end only last 2 years, notice i been in this plan for 4 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

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 2017-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX, Experian charged {$190.00} on my XXXX ending in XXXX. I did not agree to the Subscription service so the charge was never completed. Experian has a hold on my XXXX XXXX for {$190.00}. 
Experian is refusing to resolve the issue. I talked to supervisor XXXX and Supervisor XXXX. XXXX. They have had the hold on my account for 5 days! The Merchant Transaction number is : XXXX. I did not authorize the charge to my account and the account with Experian was never created! I contacted XXXX XXXX XXXX and was told that XXXX XXXX XXXX can not stop the transaction. XXXX XXXX XXXX refused to assist to resolve the matter! XXXX refused to contact Experian and Experian refused to contact XXXX XXXX XXXX. Experian says they never charged me! XXXX XXXX XXXX says Experian did charge me and has placed a hold on {$190.00} and denying me access to my funds as a result. I want the Federal to sanction Experian for this illegal conduct. The phone calls were recorded so you have all the evidence you need to take regulatory action on this matter. I talked to XXXX at XXXX XXXX XXXX and the Supervisor at XXXX XXXX XXXX was someone named XXXX. The time of the call was between XXXX XXXX and XXXX for your investigators. This is illegal and violates Federal regulations.

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed an incorrect account belonging to XXXX XXXX on my credit file. Equifax credit reporting agency deleted the account but reinserted it onto my report without notification. By law I am required to be notified within five days of a negative item being reinserted onto my credit file. On the attached files, I 've included photo proof showing the account was deleted from my credit file. As well as proof of the account beign reinserted onto my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On today, XX/XX/XXXX I received a letter from Equifx dated XX/XX/XXXX advising me that they will not be conducting further investigations into my dispute for Bankruptcy, Case or ID # XXXX AND Bankruptcy, Case or ID # XXXX that are reporting under my name has been verified as accurate. as it previously has been verified as accurate. On XX/XX/XXXX I sent a letter to Equifax in response to the letter I received earlier in XXXX indicating the bankruptcies had been verified, requesting that Equifax provide the description of the procedure used to determine the accuracy and completeness of the verification method within fifteen ( 15 ) days of the completion of the re-investigation ( ie, he name, address, and telephone number of each person contacted regarding this alleged account ) As well, I asked that Equifax not use any automated response or e-oscar verification methods with the re-investigation of the alleged accounts. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

I also advised Equifax that I was requesting the removal of the XXXX alleged bankruptcies due to Civil Case No. XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, v. Equifax XXXX XXXX XXXX XXXX. As well, I advised Equifax that if they did not comply with my requests for an accurate investigation, I would proceed to file a complaint with the Consumer Financial Protection Bureau and then the Attorney Generals office if needed, due to their non-compliance. In addition, Equifax was notified that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX ), they may be liable for their willful non-compliance in an accurate re-investigation, that does not entail the use of e-oscar or any other automated verification method or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
company will not contact use directly the keep contacting family members leavening messages 3 to 4 times a day. But they will not contact the card holder. they need to contact me or my wife directly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I made a {$1000.00} ACH deposit made on XXXX XXXX XXXX, which is being held indefinitely as " Pending '' by Coinbase although the withdrawal has already cleared my banking institution. Many other customers have reported online that Coinbase holds their deposited or withdrawn funds for 10-30 days before release or not at all. 

Coinbase 's website states deposits are either instant via credit/debit or take 3-5 days via ACH, although this is often not the case. Coinbase uses an automated bot to address concerns or complaints on their website, and emails from a live representative are not returned to address concerns. 

I have requested a response about my pending funds via email from Coinbase and have received no response as to what the problem is or a solution to the problem. The delay or failure in processing these transactions as expected, and as noted in the time stated on their website, will cause personal financial distress as I am not able to retrieve my funds in a time frame that they have stated, and in which I would expect. 

I 'm requesting an investigation into Coinbase 's banking and transaction processes, as they require a user 's SSN, a photo copy of ID, and personal residential information to use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX17 I had an accident. XXXX the other party ins. On XX/XX/XXXX17 I received a bill from Recovery Partners LLC Collection Agency " Payment Demand '' for {$980.00}. Apparently XXXX XXXX sent me to collections & now the collections has been calling me & in 1 month has clld 3 times. 1 )  XXXX never advised me that I owe this money. 2 ) I called XXXX on XXXX17 & left msg for supervisor & on X/XX/17 I clld back & XXXX XXXX XXXX Supervisor & asked her if they paid {$980.00} for repairs to their customer? She said no. If the company has not paid money & they are not out of any cash out. Can XXXX " or a Company " send me to collections? If no money is paid out how can they send me to collections? What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an open loan with XXXX XXXX. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

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 2017-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: MA

Complaint narrative:
I have been struggling to pay my private student loans, so I contacted my student loan servicer, ACS, to ask them to lower my monthly payments. I was told that I do not have any repayment options available to me, and that there is nothing ACS can do to help me. The ACS representative told me that XXXX XXXX ( the loan owner? ) may work with me regarding repayment once I fell behind. I kept stressing to the ACS representative that I DO NOT want to default on my loans, and that I just need to lower my monthly payments until I can get back on my feet. I was offered nothing. I spoke with another representative a few weeks later, who told me the same thing, that I have no options. I requested my complete payment and service history. Approximately a month later I contacted my state 's Attorney Generals ' ( AG ) office to file a complaint regarding my student loans. The AG 's office contacted ACS, who ( I believe ) referred her to a XXXX XXXX XXXX, XXXX, Loan Servicing Oversight, XXXX (? ). The AG representative requested my original signed promissory notes and complete payment and service history. XXXX XXXX assured her that I would receive those documents, but to date, I have not. I have, however, continued to receive regular monthly student loan bills. I contacted my state Congressman and Senator, but was told they only have jurisdiction over federal agencies, and therefore can not help me in any way. I am not able to continue paying my monthly private student loan bills, and I really some help - fast! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I previously had a home equity loan with XXXX XXXX ( XXXX XXXX XXXX ) that was discharged in Bankruptcy more than ten years ago. The loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 

XXXX wrote a letter ( see enclosed ) which supports my position. XXXX sent the letter to all three credit reporting companies recommending that they remove the account because the loan was discharged in bankruptcy more than ten years ago. Two of the three have complied. The remaining Experian has to date refused. I have called Experian a number of times and have even spoken to a manager. I have filed complaints through their website but to no avail. I sent Experian my bankruptcy papers the same papers I sent XXXX. The people at Experian seemed confused that XXXX XXXX was formerly XXXX XXXX, which is a well known fact that they changed their name of business. They seem confused that the loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 
I told them the whole things is wrong and should n't be there to please take it off. XXXX did as well. 
XXXX : XXXX XXXX XXXX Please, I am trying to purchase a home and this is adversely affecting my credit score and my ability to get better terms on a mortgage. Please have Experian remove this very old home equity loan that was discharged in bankruptcy more than ten years ago. Thank you very much. 
XXXX 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 non-monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, I spoke with XXXX XXXX in the insurance department at Santander Bank. 
XXXX XXXX had me on hold for 15 minutes and when he returned on the line he told me it would take a while to resolve my issue with the flood insurance. He said this was because of the situation in XXXX Texas. 
I was very upset hearing this news after I was told by XXXX XXXX on XX/XX/XXXX that I would receive a refund from Santander when I could prove that I had an active flood insurance policy which my insurance agent, XXXX XXXX, forwarded to Santander. 

XXXX XXXX then replied that he would have to put me on hold " until you calm down. '' I waited on the other line and after 10 minutes I hung up. 

I later spoke with a gentleman named XXXX that assured me that he would take care of me and I would receive my money back of {$1400.00} in the mail from the flood policy that was mistakenly added to my mortgage by Santander. 
XXXX XXXX left a message on XX/XX/XXXX stating that the problem was resolved and the {$1400.00} was put in my escow account.

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 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This debt is currently on my credit report for a payment and service that I don not owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
Hi, This week I try to open a bank account in XXXX XXXX were I live. The bank consultor told me that under Social Security number is an account open in a bank called TD Bank in the United States, with a negative amount XXXX {$36.00} XXXX. I never live in the United States niether known from this bank. I called TD Bank and they ca n't explain me what account is, but when they search for my information my name shows up. All I know is that there is somebody using my Social Security and name in the United States.

Company response to consumer: Closed with non-monetary relief