vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: MA

Complaint narrative:
Mass Department of Revenue places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get Mass DOR to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
I opened an account with Key Bank on XX/XX/XXXX because of a promo that they were running in which I was to get {$200.00} if I had my check direct deposited. I arranged to have my XXXX check deposited and on XX/XX/XXXX it was deposited into my account. 
On XX/XX/XXXX I contacted the bank and was told that the money would be in my account on XX/XX/XXXX at XXXX. I checked my account at XXXX XXXX XXXX XXXX and the money was not in my account. 
I contacted the bank and they told to me to contact the head office and they gave me an XXXX number to call. I called that number and after an hour they told me that I was not eligible for the money. 
When I opened the account I was told that the only thing I needed to do was to have direct deposit within 60 days, which I did. After I was on the phone for an hour they told me to go to the branch that I opened the account at. 
I went to the branch that I opened the account at, located at XXXX XXXX XXXX, XXXX, NY XXXX and they told me I did n't qualify for the {$200.00} because I had a negative balance in my account. I was never told that I had to maintain any amount in my account in order to get the money, other than to have a direct deposit set up. 
The card that I was sent by the bank in order to get the {$200.00} only stated that I needed to have direct deposit set up within 60 days. 
It seems to me that they just do n't want to pay out the monies that they said they were going to do. They have told me that the monies would be there no problem and then when it came time for it to be in my account it was never deposited. From talking to other people I 'm not the only one that they have not paid when it came time to do so. 
The only thing I am asking for is for them to honor their word and put the monies into my account. 

Sincerely ; XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Trying to recast mortgage. Was told to go to local branch and write check for specific amount in order to reduce principal to {$180000.00}. Wrote check at local branch in XXXX VA on XX/XX/XXXXfor {$210000.00}. Told bank teller to apply 100 % of funds to principal. I was assured that all funds were applied to principal. Two days later, I found out that account was not properly credited and {$1100.00} was directed to interest as opposed to entire amount to principal. Therefore, principal not reduced as directed and desired. Recast payment will be higher due to error by Wells Fargo. Wells informed of error on XX/XX/XXXXand on XX/XX/XXXX. Wells refuses to admit mistake and refuses to correct. No contact from recast department despite beyond told that I would receive recast documents overnight after payment was made on 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 non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
OnXX/XX/XXXX I made a payment through XXXX XXXX for the amount of {$2600.00} to my TJX Rewards Credit Card. InXX/XX/XXXXmy TJX Credit Card was declined when I was trying to make a purchase. I called TJX Rewards Credit Card customer service onXX/XX/XXXXto inquire about that. When I spoke with a representative I was informed that payment was not received and ; therefore I made another payment of {$2800.00} that was the balance at that moment. That day I did not check my bank account because I was traveling. On XX/XX/XXXX when I returned, I called XXXX XXXX and I was informed that in fact payment ( {$2600.00} ) was sent and received by TJX. SinceXX/XX/XXXX I have sent proof of payment and also contacted TJX more than 15 times. I have spoken with supervisors who stated that payment was received and I will get a refund check. In XX/XX/XXXX I spoke with one of the supervisors who stated I will get credit within 2 weeks and when I called inXX/XX/XXXX another supervisor stated that a request to investigate claim has to be filed because he could not see any response to the claim. Up to today I have no received credit. Every time I have called, I have to speak with a different supervisor and all they say is that they have to make the report and I have to wait another 30 days for a response. It has been 5 months since I started this claim and I feel every month they just made an excuse and I have to wait another 30 days. Attached you will find copy of proof of tranfer from XXXX XXXX to TJX.

TJX Customer Service XXXX Fax 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 monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: MD

Complaint narrative:
I owed {$590.00} was not behind in payments and they charged me {$88.00} in fees on top of the XXXX. So I ended up paying XXXX. 

Why am I paying XXXX in fees and the next payment was not due until XX/XX/18. 

I would never borrow or recommend this company with all the hidden fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: GA

Complaint narrative:
I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. 

After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 

1. If I withdrew from classes-what date did I withdraw? 

I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 

2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. 

IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. 

Please provided answers. and remove from credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Quicken loans continues to call my job directly to my manager XXXX XXXX. She has consistently asked that they remove her number of XXXX. They told her it is not her but someone in the office. She asked they who it was, but they would not tell her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sent a wire transfer from XXXX XXXX to Coinbase on XX/XX/XXXX through XXXX XXXX XXXX. 

Amount : {$5000.00} USD I have talked to both my bank ( XXXX XXXX ) and XXXX XXXX XXXX ( Coinbases bank ) and they have both confirmed the transfer as complete at XXXX on XXXX/XXXX/XXXX. These confirmation calls and visits occured on XX/XX/XXXX. 

IMAD # : XXXX I put in a service request for this issue on XX/XX/XXXX through Coinbase.com. 

I have called their support line and responded to canned emails on multiple occasions and they just keep replying that they are " raising the priority of my case '' without actually providing any solution or ETA for when my fund will be available. 

It is currently XX/XX/XXXX, nearly a month after my wire transfer has been cleared, and Coinbase has still not posted my funds to my account or returned my money after asking explicitly multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AA

Complaint narrative:
I opened a NAVY FEDERAL BANK ACCOUNT CHECKING SAVINGS MONEY MARKET I HAVE NOT RECIEVED MY MAIL APO OR A DEBIT CARD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, of XXXX XXXX, MD forced me to accept their insurance even though the car was completely insured prior to and after obtaining the loan. 
This increased the amount of the loan and in turn increased the amount of each payment that was owed, which ultimately let to my car being repossessed after missing two payments. 

The company that repossessed the car is called XXXX XXXX charges a flat fee of {$450.00} to return the car and they add a charge of {$25.00} per day to further deter someone from being able to retrieve their car. 

I had the money to pay the back amount owed to the loaner but not enough to pay the ever increasing amount of the company they used for repossession. 

This company uses very shady business practices. I showed them proof of my car insurance and they still added their own insurance to the car loan and increased my loan amount without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.

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 2018-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
MOHELA reports I have several Student Loans open from XXXX XXXX University and XXXX XXXX XXXX College. I only took one student loan. through my family 's credit union, and it was paid off, and I have never attended XXXX XXXX XXXX College. I have contacted MOHELA to report fraudulent activity every year for the last 10 years, and have been promised a packet of paperwork would be sent to me in order to get the accounts removed from my name, however, MOHELA never sends me the paperwork

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
This complaint is about Coinbase. On XXXX XXXX XXXX XXXX I initiated a transaction to buy bitcoin. Total amount was {$7500.00}. 
This amount was withdrawn from my bank on XXXX XXXX. But this transaction is still pending as of XXXX XXXX and bitcoin has not been deposited yet. 

I have contacted customer service several times and no response yet. Due to lack of response for CS I am wary of doing any transactions with Coinbase. If a transaction gets stuck there is practically no recourse with this company. This means that all my money from in the account is stuck. 

Customer Support Case id is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX He berated me over the telephone requiring me to send him personal information to prove that I pay for my own car payment and that my family is not receiving outside assistance to pay the monthly payment on my vehicle loan. He demanded much more private and personal information such as my ssn and my bank account number and home address and such. This loan is for my parents and yet I am receiving phone calls over and over and harassing emails from this individual about sending him the correct information including my social security number that I refuse to give.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I 'm not claiming that I was n't late on this account. I 'm asking for a courtesy removal because I was under the impression that this was set up to be auto paid and clearly it must not have been. That being said, I 've made all of my other payments on time since opening the account and continue to do so.. This would be a one time courtesy removal I am requesting, and will not be request again.. I would be happy to show you a copy of my credit report if you would like to show my timeliness on all of my liabilities. I take my credit very seriously being in the XXXX XXXX industry.. It is extremely important being a lender to have a good credit history. I 'm a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and this could potentially affect my licensing. Thank you for you assistance in this matter. My cell phone if you want to reach out to me is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: MI

Complaint narrative:
Capital One started by charging a late fee when in fact the account was paid on time. I called the XXXX number and the rep refused to remove the late fee, at that time I requested the account be closed. The rep on phone stated that the account was closed but when I pulled my credit report it showed as open also Capital one charged late fees and interest on those fees, in addition they reported the account as not paid ( 120 days late ) to all three credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Not a valid 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