vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Mortgage told me that since I was paying off my debt in full XX/XX/XXXX that we had an agreement. I checked my credit report and they have reported me as late which has caused my credit score to plummet AND CAUSE ME TO LOOSE ON BUYING A NEW HOME. I am going to be homeless now because PNC refused to remove the negative remarks off of my credit report by the time I was due to get a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This is the second complaint I've had to file against Coinbase as their low level support personnel continue to mishandle and ignore my case. Recap : On XX/XX/XXXX, a fork of Bitcoin called XXXX XXXX ( XXXX  ) occurred. Coinbase promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of XXXX XXXX when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in a custom vault called XXXX on XX/XX/XXXX1. But Coinbase has still not credited my account as promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. I only got a response to my second support ticket ( Case # XXXX ) after I filed a complaint with CFPB. That response, shockingly, was that XXXX XXXX was not a supported currency on Coinbase! After I insisted it was, the Coinbase rep XXXX responded that they are working on XXXX XXXX XXXX and that I should wait. So I waited. A few weeks later, XXXX said that my XXXX was ready to be withdrawn from my XXXX XXXX XXXX. I logged into Coinbase, but there was no XXXX balance. I told XXXX this. I explained to her what I thought the problem may be : that the XXXX XXXX  that held my Bitcoin on XX/XX/XXXX ( called XXXX ) no longer exists. After the fork, I had moved my XXXX into my regular Coinbase XXXX wallet, and from there, to a desktop wallet. Then I deleted XXXX. I speculated that the XXXX that is owed to me is tied to XXXX and since that vault was deleted after the fork, my XXXX XXXX had nowhere to go. So I explained all this to XXXX, and she responded with " Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete. '' So I waited. Then, on XX/XX/XXXX, I got a shocking reply from a different Coinbase rep : they sent me instructions on how to re-link my email address to my Coinbase account. What?! I'm not having an issue with my email!! After explaining my issue in great detail, they have once again bungled my case, and they are no longer responding to my queries. I have not heard anything else from them. This situation has become beyond unprofessional, it is ludicrous. Today, on XX/XX/XXXX, the XXXX owed to me by Coinbase is worth {$5600.00}, no small sum. If this is not rectified immediately I will be initiating litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SD

Complaint narrative:
My problem is multi-faceted. I have two existing credit cards. HSBC and XXXX XXXX XXXX. On XX/XX/XXXX or XX/XX/XXXX I initiated a balance transfer with HSBC to pay off {$5100.00} on my XXXX card. I initiated this on-line. I thought I had a valid 0 % interest offer. I called after I did this to inquire how long it would take and at that point I found out the offer had expired. I asked to cancel and was told I had called/requested to cancel within the cancellation window and it would not go through. It went through. HSBC told me I was responsible for working with XXXX  to have the money returned. I feel that is really was not my responsibility, but I tried. I am now at the point where XXXX returned {$5000.00}, NOT the full {$5100.00}. I was told this is because I had a payment due and I would have been late on the payment. At no point was I talked with about this, if I had been I would have made the payment ( the difference between the two amounts. ) At this point, the check is in the mail to HSBC for {$5000.00}. My stance is this ... XXXX should have returned the full amount to HSBC because the money is not mine and it is not XXXX 's, it is HSBC 's. I look at it as XXXX making an unauthorized charge to my HSBC account ... illegal, in my mind. I have been told contradictory things from XXXX throughout this process and at this point, depending on who I spoke with, they have issued up to 3 checks at this point ... one to HSBC which they say I asked to have cancelled. One that I was told was being sent to me ( it was already in the mail ) which I DID request to be cancelled ( after two weeks, I still have not received that check ). And now this latest. At one point XXXX   told me NOT to make payments until this was resolved. More recently I was told by XXXX to make payments to BOTH until things got settled. I have more examples. The resolution : XXXX returns ALL {$5100.00} to HSBC and HSBC removes all finance and transfer fees as I otherwise have a {$0.00} balance on the HSBC card. As of yesterday, I made a {$2000.00} payment to XXXX on the balance with them, which should be {$5100.00}. I also feel this should be referred to regulatory agencies, especially because of the XXXX actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My estranged wife listed me as an authorized user on her credit cards with Capital One. She missed three payments ( I had no access to pay the bills ) last summer somehow and I asked to be removed as an authorized user because of this. I was removed as the user and the debt amounts were removed, but the payment history was not removed. When I contacted Capital One, they said they could not speak with me regarding this because I was not a card holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am making this complaint only to make you aware of what I believe is a fraudulent practice on the part of Wells Fargo Bank. On multiple occasions I have made additional principal only payments and although I clearly mark on the payment coupon that the funds are intended for principal only, the bank miss assigns the funds. On two occasions they credited the fund as " unassigned '' both of which delayed assigning the fund to principal by around 20 days each time and this latest payment was partially applied to interest and escrow. Obviously the cost to me is only a few dollars plus the aggravation of having to go to the bank to correct the issue, but the implication for Wells Fargo is probably hundreds of thousands of dollars earned through these seemingly innocuous errors. 

I will again go to the bank to clear the mistake but probably will never know if I paid extra interest or not.

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Diversified Adjustment Service sent a letter to me dated XX/XX/2018 claiming I owed a cell phone bill from XXXX. I promptly contacted " DAS '' and told them I did not know what they are talking about. The debt was added to my credit report without my knowledge anyway. I then sent two certified and Notarized letters to " DAS ''. One was a section 609 letter the other was a section 605 letter asking to verify the debt. Their company could not verify the debt so it was removed before 30 days had lapsed. However, XX/XX/XXXX of this month " DAS '' added the debt again without any notices no correspondence what so ever. I contacted " DAS '' directly to let the company know that they violated the FCRA by not contacting me and not verifying the debt. I spoke to two representatives and verify myself and they both said I owed the debt they wouldn't listen to anything I had to say they both were very rude one going by the name XXXX. I then contacted XXXX to file a complaint with the company the company claimed they didn't know who I was. I have all correspondence that was sent to " DAS ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
The date it all started was XX/XX/2017. Amount in question is {$13000.00}. It all started when Specialized Loan Servicing LLC ( SLS ), volunteered and paid {$13.00}, XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, in a disputed matter I had with them. Afterwards SLS placed the amount into my escrow account and increased my mortgage to {$1300.00} from the {$330.00} per month, I have a modification through the Home Affordable Modification Program ( HAMP ). I have tried to work it out with them, but have reached the end with them starting foreclosure. I never signed any loan agreement for the amount in dispute. I have not missed a mortgage payment in over 13 years prior to this matter happening.

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 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, opened checking account that was to include checks and debit card. I have twice called the customer service to inform that I have not revived the debit card and even visited a local branch to advise of same. I am unable to set up and access my online banking without the debit card as this is one of the requirements that needs to be entered when setting up the online banking. The local branch claims that since the account was opened online, that they are unable to provide me with a debit card and/or PIN.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
The property was financed with XXXX XXXX  with life insurance on the loan by myself and another person in approx XX/XX/XXXX. All payments were current, none were late or missed as they were drafted from my account. The property burned completely with XXXX XXXX XXXX in XX/XX/XXXX, but payments were still made until the investigation and insurance was complete. In XX/XX/XXXX drafts stopped being taken out of my account. I contacted XXXX XXXX  and was informed my mortgage had been sold to Carrington mortgage without Carringtons knowledge of the loss. I was never notified by either company about a sale. I inquired about this and they said a letter was sent to an address that has not been connected to me in more than three years. XXXX XXXX  has my current address as I received several items of mail from them, sent proof of XXXX and XXXX XXXX. I have tried for more than a year to get a copy of the original contract from Carrington as well as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as well due to life insurance being on the loan, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire. I have tried for some time with Carrington to get a payoff, I was told over the phone the amount was XXXX XXXX XXXX XXXX and some odd cents, they assure me they will email it, but nothing. I want the email so I have written proof of how much I owe as I am afraid the amount will suddenly turn into the entire insurance amount with hidden fees and charges. The insurance company tried for one month to get proof of mortgage ownership from Carrington. I have a check from the insurance company for XXXX XXXX XXXX dollars and simply want this behind me. I have dealt with XXXX and now Carrington for more than a year being given the runaround. I feel as if I have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX  XX/XX/2017 I received a letter from a company called National Credit Systems. They are stating that I owe {$2000.00} for a previous apartment I lived in XX/XX/XXXX, XXXX XXXX Apartments. The letter states that they have reported to all credit reporting agencies damaging my credit for these false charges. The statement does not include what these charges are for. I contact them on XX/XX/2017 and speak to a very rude representative who tell me that that these charges are for a month to month fee. This can not be accurate. I lived in the apartments until XX/XX/2017. My lease was over the end of XX/XX/2017. I provided a 60 day notice. Notice was turned in XX/XX/2017. I moved out of XXXX XXXX and did not ask for my security deposit back which they decided to keep. I provided a forwarding address and over a year later I get this bogus letter from this company. The rep with the collection company states that these charges are for XX/XX/2017. I was not there and I would not owe over {$1000.00} for anything. My last rent check was made on XX/XX/XXXX prior to my lease ending the end of XX/XX/XXXX. They rep also stated that she would provide me copies of this information and I could also look at the charges broken out online which was also false. I could not see any break down of what was owed or why. I want to know what is going on and why these is on my credit. It needs to be removed. I contacted XXXX XXXX Apartments and they stated that the do not show any of this information as they are no longer with the management company who managed during that time. I then called the management company, XXXX XXXX XXXX who managed during that time, and when speaking to them they were not sure what these charges were for. I believe this company is using false information to guilt people into paying balances that are not truly theirs. I will take legal action if necessary until theses charges are taken off of my credit report. I need proof of this so-called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX opened a Bank of America checking account with a {$150.00} bonus offer for 3 consecutive direct deposits. I have made 6 direct deposits as of this date they were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in the amount of {$500.00}. I have called customer service on numerous occasions and been given the run around first told it would be in my account on XX/XX/XXXX then again on XX/XX/XXXX, still nothing. I feel that I have more than done what I was obligated to do. I want my {$150.00} deposited into my 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 monetary relief
Consumer complaint received 2018-04-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS 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 2018-04-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
CHASE closed our accounts with no warning, or explanation. The card was a XXXX XXXX XXXX XXXX. I found out my account was closed when at the cashier 's stand in a grocery store. A very embarrassing moment. There were no communications from the CHASE either as a text, phone call, and email. In fact when I called the customer service they didn't know why the card was declined. Finally a supervisor came online and said that because of " federal law and US treasury ... '' they couldn't tell me why they closed the account and I must wait until I get a letter in the mail that explains why. They made us, law abiding citizens, feel like criminals. The letter came after nearly one month with bogus explanation that they are closing the account because their affiliate i.e. XXXX XXXX has ended the " banking '' relation with us. An allegation that XXXX flatly denied. Please refer attachment. 

Additionally, as I had rented my car while on a business trip with the same card, I could not extend my rental period because the card was declined and I ended up paying a much higher rental rate because the one I had negotiated at time time of original contract was no longer applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Why should loans be granted for students or paid back by students who attended classes they didn't want to in order to get a grade that they didn't want from a teacher who didn't have the time or ability to teach the student in the way that they succeeded most?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
Toledo Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: MD

Complaint narrative:
The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.

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