vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted Wells Fargo corporate because I had an experience in a local branch where they told me that they would no longer accept loose change for mortgage payments. 

During this contact, I asked Wells Fargo that per The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. ; Can you please confirm that Wells Fargo complies with the US Law to accept all US coins, Federal Reserve bank notes, and national bank notes that are legal tender. Please also confirm if there is a limit to the legal tender accepted. 

The response I received is Effective XX/XX/XXXX, all self-service and behind-the-counter coin-coining machines where removed from our branches. Due to this, we are no longer to accept loose coin ; however ; we will provide coin wrappers for your use. 

This statement leads me to believe that Wells Fargo is not complying with The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender. 

Additionally, I do not consent to call recording from Wells Fargo, if they wish to resolve this issue, they shall do so via mail.

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 2018-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
I have a VA home loan and my loan servicer has been Dovenmuehle Mortgage since XXXX of XX/XX/XXXX. Every month, I pay into an escrow account and they are supposed to pay my home insurance company. Dovenmuehle Mortgage did not pay my insurance premium and then bought insurance through their company at 3 times the rate. Every time I call to try to resolve this matter, I'm given the run around and nothing gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Once again, the minute I put my Student loan into Forbearance, XXXX reports me as XXXX days late and kills my credit. If you call and ask them, theyll tell you this is standard practice. However, the FCC clearly has a Fair Credit Reporting Act. The last late payment I see before my present forbearance was XXXX of 2017. Is that what they are reporting? Its just not right or ethical that they can do this as a standard practice just because someone is struggling and has to put their loan into forbearance. I would rather just pay them, but sometimes things happen in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MA

Complaint narrative:
Before Eastern Account System reported the debt to credit agencies, they never talked to me in person, neither did they send me a notice in mail. 

They have violated my right to dispute the debt. 

Amount : {$88.00} & {$28.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Status of this dispute can not get a hold of executive office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have advised the CEO of this company twice about their practice of billing my account when I have cancelled the payment. Whenever, I cancel that payment and advise them that I will make the payment on another date they still BILL my checking account thereby causing my checking account to to overdrawn. I discussed the second billing with them on XX/XX/2018 to cancel a payment they billed my account on XX/XX/2018. again this is the second time that this has happened. Account # XXXX -their phone number is XXXX and their fax numbers are XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX and ic system ate reporting information on my credit file that does not belong 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 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I have contacted this company several times in an effort to validate an account. I have requested that the company send me a contract with my signature binding me to the debt that they are claiming that I owe. However, the company have failed to validate the account. Other than me going up to the company in order to resolve other accounts, I would have never known I had this unverifiable account with the company. The company failed to contact me in regard to this account. In my opinion I think the company hold on to aged account in an effort to collect a higher return from interest. After researching this company, I have seen were the company overall profit has substantially increased in no time. I dont think it is fair that this company failed to communicate with me in regard to this debt, and I feel that the company is violating my consumer rights by trying to force me to own up to a debt that they have not fully validated. After I found out about this debt I requested the representative at the office to print out any copies of any documentation of any correspond that was supposedly sent to me and her response was she cant. I got the entire conversation of the representative unethical practice at this office. I feel that the company need to hire more people in the upper level other than the XXXX. Seem like this is the only person that you have to deal with because no one is in the upper level position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
******Second Request********* In complaint XXXX after explaining why I had a difficult time understanding the results of the investigation conducted by TransUnion on or around XX/XX/2018, regarding three collection accounts ; I demanded a detailed description of the methods used to verify the information on my credit report. According to the FCRA when demanded a credit reporting agency must supply a detailed description of how they conducted their investigation. The FCRA also reported that failure to provide such information may be punishable by civil penalties. Instead of providing the demanded information, TransUnion opened another investigation. I did not request an additional investigation but rather a comprehensive description of how they conducted their investigation.

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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted the company to file a dispute. The representative process my dispute and I was told within 7-10 days I will receive a provisional credit while waiting for the investigation to complete. It is now XX/XX/XXXX and I have not receive any provisional credit I supposed to receive while a pending investigation. It appears the company is not following the policy of a provisional credit to the customer during the dispute process, so the customer can have the use of their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: AZ

Complaint narrative:
My XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX # : XXXX is lost/stolen, and all the transactions on the account is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX # : XXXX is lost/stolen, and all the transactions on the account is fraudulent and unauthorized transactions. I have never used my 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 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
Back in XXXX I got two small loans. Both were subsidized and together equaled about $ XXXX. My loan was with a certain lender and in XXXX Mohela bought the loan. Ive been out of school since XXXX and have made every payment possible. Since the beginning I registered for automatic withdrawal from my bank account. I have Never missed a payment. I am in shock that even after 10 years that loan has not been payed off. I still owe about $ XXXX! These lenders take just enough to keep this loan active as long as possible and get as much interest as possible. There is no reason why so little is withdrawn from my account and therefore extending the length of the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Continental Finance Company, LLC
State: AZ

Complaint narrative:
My XXXX XXXX XXXX # : XXXX is lost/stolen and all the transactions on my XXXX XXXX is fraudulent and unauthorized transactions. I have never used my 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 explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
A year ago, I received a promo code of {$200.00} bonus and took it to a US Bank branch to open a checking package. Although I completed all the offer requirement, I didn't receive any bonus until now. Since then, several attempts have been made to ask about the missing bonus, I only got very irresponsible answers, such as directing me to the branch, trying to explaining unreasonably " one or more '' or " recurring '', telling that my checking account didn't qualify which wasn't the case. I really want to keep on as a US Bank customer, but just feel so disappointed to see how US Bank has ignored and cheated me. 

Promo details can be found here : https : 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 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My XXXX/XXXX Visa Credit Card is lost/stolen. The card over limit balance of {$3100.00} is all fraudulent and unauthorized transactions due to my XXXX/XXXX visa credit card being lost/stolen. The balance of {$3100.00} is all fraudulent transactions that dont belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018.

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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
Problem with a credit reporting company 's investigation into an existing problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NV

Complaint narrative:
I bank with Discover Card. On XX/XX/XXXX I submitted 1 extra payment resulting in 2 payments of {$400.00} instead of my one usual payment of {$400.00} I make to them. This resulted in imense Financial strain, since I only wanted to pay them once. I contacted the company on XX/XX/XXXX requesting a refund of one of my payments of {$400.00}. I was told I have 7 to 9 business days before the money would return to me. It's now been over 14 business days with no transfer back from the company. I have spent Collective hours on the phone with them and even their Supervisor was not able to insure an answer over the phone and had to hang up with me at that time. this case has been escalated and I've repeatedly attempted to find out where exactly the money is coming back from but no one has given me an answer. it's caused a ton of financial strain and is put me further in debt now because of this. this is not been handled professionally and my money is still missing. Please help any way you can I feel they are ignoring and neglecting my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Convergent asking them to validate a debt that they insist that I owe. In return this company sent me a bill XXXX that they are claiming is a validation that this is my account. However, the bill sent does not provide me as to the date in which this account was opened. All it shows is someone named XXXX XXXX opened the account. I have no knowledge of this account especially after seeing the information that they sent. Anyone could have opened this account. There is no contract, nothing with my signature on it nor my social security number and most importantly this document provides no information as to when this account was even opened. Also, I asked Convergent to validate this debt but on their letterhead they attached a response and I quote, " the debt is valid and attached is Verification of the debt ''. By their own admission they indicated also that what they sent me is a verification and not what I requested which was Validation of the debt.

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 2018-09-24 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: GA

Complaint narrative:
This are erroneous credit inquiries on my credit that I was unable to get remove in speaking with a customer service person. 
Thank you XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX DateXX/XX/XXXXXX/XX/XXXX Bureau TransUnion XXXX XXXX XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion XXXX XXXX Date XX/XX/XXXX Bureau TransUnion

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 2018-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
I took out a home equity line of credit on my home approx. 8 years ago with XXXX XXXX. I paid it off about 7 years ago and never drew on it again. In XX/XX/XXXX XXXX  XXXX advised me that I would not be able to draw after XX/XX/XXXX. I understood this communication to mean that my account was closed, since I had a XXXX balance and wasn't able to borrow anymore. 

In XX/XX/XXXX I received a notice that my loan servicing was being sold to Rushmore. Since I didn't have anything to service and my account was scheduled to be cancelled in XX/XX/XXXXI took no action. 

In XX/XX/XXXX, I scheduled the sale of my home for XX/XX/XXXX. On XX/XX/XXXX, my  attorney sent a fax to Rushmore to request a pay-off letter. Approximately a week later my attorney called Rushmore, who told him I had to sign the fax request. I signed it and he resent it on XX/XX/XXXX 

When we still did not receive the pay-off on XX/XX/XXXX, I called Rushmore and asked for the payoff. They were confused because I had a XXXX  balance. I asked them to fax the pay-off to my attorney, and had to repeat the fax number 3 times because the Rushmore employee kept transposing the numbers. 

On XX/XX/XXXX, I called Rushmore again. I got an employee who said this was the first communication they had received according to their system. I told them they need to do a better job of updating their system. I asked to speak to a supervisor, and spoke to XXXX. I begged him to get the payoff out to my attorney so that money would not be escrowed at closing. He told me I needed to pay {$70.00} to issue a release. I paid it via credit card that day. 

On XX/XX/XXXX, my home sale closed, and we had no word from Rushmore. Due to the HELOC lien, in order to close we needed to leave $ XXXX in escrow ( for a XXXX balance loan ). 

The following week, my attorney contacted Rushmore, and now they told him they faxed the pay-off to the wrong fax number ( fax number still transposed ) and they couldn't deal with him because they had to speak directly to the borrowers. My attorney then received a letter advising that the status of the loan is XXXX, which is not a pay-off letter. So I am still unable to get my money out of escrow. 

On XX/XX/XXXX, I called Rushmore to see what was going on. I spoke to a supervisor named XXXX who told me that Rushmore has 30 days to issue the release according to XXXX XXXX, Illinois, so I can expect my release on XX/XX/XXXX ( which is not 30 days from my first request, or from the date I paid for the release. ) Due to XX/XX/XXXX sale of my XXXX balance loan which they had advised me they were closing, and Rushmore 's incompetence, I was required to pay a {$160.00} escrow fee as well as experience the escrow of over {$30000.00} despite not owing any money on this loan for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I made a payment online to ONE of my consolidated loans to bring that LOAN to XXXX. On Navient 's page it indicates that I was paying to Loan XXXX Consolidation. 

I paid {$40000.00} to bring the loan balance to {$0.00} before this TERRIBLE company was going to raise my payment. The company applied my large payment to both Consoliditaion XXXX and XXXX. I paid the amount to Loan XXXX and expected that loan to be at a a zero balance. I fully expect this to be reolved correctly and that Navient gets their act together and do what the CUSTOMER wishes. 

From their website : XX/XX/XXXX Payment {$40000.00}

Company response to consumer: Closed with explanation