vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I placed a temporary lift on the security freezes I had on all 3 credit bureaus in order to apply for a credit card. I had picked a specific date range I wanted the lift to encompass. I received my approval on XX/XX/XXXX for my credit card. On XX/XX/XXXX, I contacted the credit bureaus to have my temporary lift removed and my security freeze reinstated. This was accomplished by 2 of the 3 credit bureaus ( XXXX and XXXX ).  However, after speaking with a representative, Experian advised they could not reinstate my freeze until after the expiration of the date I originally entered on XX/XX/XXXX. Not sure why the other two credit bureaus can accommodate this request but Experian could not, leaving my credit file open to possible misuse.

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 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX XXXX XXXX used my credit card to buy equipment for XXXX XXXX.  I have never authorized XXXX XXXX to make any purchases with my credit card. XXXX XXXX claims they had no idea where XXXX XXXX was getting materials and equipment from. I have reported the fraud to Chase Bank and to the XXXX Police. Chase continues to harass me even though I have already told them I have nothing to do with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I did apply for a Cash Wise credit card from Wells Fargo. I am already a customer of Wells Fargo, so I applied after logging in to my account. The application was instantaneously approved, I received an email about teh approval on XX/XX/XXXX. My online account reflected that this was opened. I was also seeing on my credit report that a hard inquiry was made about my credit, which made my score drop from XXXX to XXXX. 

On XX/XX/XXXX I noticed when checking my account, that the new account was showing that it was closed. I contacted Wells Fargo thru the website, but was told, they would not answer online. 

On XX/XX/XXXX I called them. ( I am currently travelling so this was an interantional call and I made the agents aware of that ). All together I was transfered to 5 different agents and had to give them all my details again after each transfer. It was annoying and expensive. 

Finally XXXX XXXX XXXX from the Credit Executive Office told me, that her office and the fraud division had decided that my application was fraudulent. I asked, why they would not inform me about this? I did n't get an answer. I also told her, that I want to file a complaint with the regulatory body in charge and asked her, whom I would have to contact. She said, her office was the highest authority and there was no address she could give me. I also wanted a written appology and explanation, why my account was closed. She denied that. 

She promissed me that they had initiated procedures to eliminate the hard requiry from my records at the credit agencies, but this would take time. I would not get confirmation by Wells Fargo about the successful removal, but would have to check that myself.

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 2017-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing counsel XXXX XXXX responded to my consumer complaints on, XXXX XXXX, 2017. XXXX XXXX is requesting I direct all further communication directly to his office. Ocwen Loan Servicing, its employee XXXX XXXX, its everyday harrassing threatening phone calls I had to put up for years, the slander of title which is over the top, all the thousands of dollars I had to pay out of my pocket to stop Ocwen from continuing its abusive servicing pratices, all the lies I had to hear out of Ocwens mouth, Ocwen employee failing to correct its errors and all the other screwed up mess because she is trained to coverup the mess. Dont tell me to direct all further communication directly to your office when you have assisted Ocwen with its abusive servicing pratices harassing me threatened me with the loss of my home in 48 hours if I dont sign increased none negotiable loan modification with increased outrageous balloon payment that I never applied for and that could not even afford to avoid fraudulent XXXX Trustee Sale in 48 hours. The many years I put up with all of this has caused me serious health damage which landed me hospitalized on medication which dragged in several doctors who questioned me who was harassing me. Ocwen has screwed up my credit. I have no savings left because Ocwen stole all of my money. Ocwen has made a disaster out of my life. I have suffered years of abusive servicing practices and years of harassment threats of the loss of my home using cozy relationship with XXXX. The damage is extreme. Thanks to all of my doctors who care I am now bringing all of you to justice. You and you clients are nothing but a bunch of liars who are out to harm me and embezzle my property to maximize revenue ave fill you own pockets with cash. That is the truth!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX at approximately XXXX EST, I got e-mail alerts stating that three transactions were placed against a PayPal-issued debit card. These transactions authorized bill payments towards XXXX XXXX XXXX ( I am a XXXX customer ), for amounts totaling XXXX, XXXX, and XXXX. I immediately called PayPal 's customer service department to report this fraud, and after being placed on-hold for THREE HOURS, I finally was able to reach a person who could directly work with my debit card account. The card was closed, and they said they placed a fraud alert on my account. However, I did not receive any follow-up e-mails or notifications - as promised - that they were actively investigating the fraud that occurred against my account. After not receiving any correspondence, on Monday, XX/XX/XXXX, I submitted a fax to PayPal 's fraud department detailing the incident as well. ( I also tried contacting PayPal through social media on Friday, XX/XX/XXXX to urgently get a hold of someone with no success ). 

Also on Friday, XX/XX/XXXX ( while on hold with PayPal ), I was able to file an incident report with my local police department in State College, PA reporting the theft. As my PayPal account is linked to my credit union checking account, I faxed a fraud alert to them on Sunday, XX/XX/XXXX. My credit union got a hold of me on Monday and issued stop payments to PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Several month ago I was referred to Coinbase.com by a coworker. I signed up and deposited funds from my credit card. Months pasted and I need to withdrawal my funds to pay bills. I found out at that point that I could not move my funds into a bank account because I 'm XXXX. There were many like me who were shocked and frustrated that this information was NEVER share by Coinbase.com with its XXXX customers. So infact they knew and never told us. 

Here is the even more pressing issue, on XXXX XXXX I decided to transfer my bitcoin and ether to a XXXX exchange which would allow me then to transfer the funds in my XXXX bank account and pay some bills. I was able to do what I needed to do with the ether but the XXXX not so much. I somehow moved the funds from my wallet to my vault and then realized I had to move it back to my wallet so I could transfer it out to the XXXX exchange. Again on XXXX XXXX this occurred and it said that their will be a XXXX approval period. Today its XXXX XXXX - that is XXXX business, so 15 days past the XXXX approval period. I contacted Coinbase.com to let them know the issue and for XXXX messages I sent I would get an auto response not even addressing the issue. 
What is most troubling is that my XXXX is nowhere it seems since XXXX XXXX, when I moved it from my wallet to the vault by mistake and then tried to move it back to the wallet, I noticed there was no balance anymore in my vault or wallet. 

Then I finally got someone who said they are working with a specialist to fix the issue and that was over 10 days ago and I never heard back from them and you ca n't respond to their email you have to submit a request and let me tell you they try to keep you from doing that as well. I have never experienced anything like this where everyday I contact them and get knowhere. I am about to miss a car payment that will effect my credit and this should and could have been avoided weeks ago. I have no faith that Coinbase.com will fix this in time for me, its been over XXXX weeks. An important fact to is that the value of bitcoin has dropped significantly since XXXX XXXX and I feel helpless to get access to my money. This is so far from being right and I 'm unsure what the FCC really does to prevent crooks like this from hurting alot of people. 

Even if this get rectified, I will still miss my payment, continue to be stressed over something that could have been dealt with properly. They clearly do n't care at all and these types of people make one loose faith in humanity not to mention the so called authorities that are supposed to govern or ensure no wrong doing. Not sure what is going on this planet but the level of greed is only growing and seems nobody really cares. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I instructed my bank, XXXX XXXX XXXXXXXX XXXX to send via on line banking a payment to my XXXX XXXX XXXX credit card account in the amount of {$64.00}. I made the error of sending my payment to a CLOSED account at XXXX XXXX. In XX/XX/XXXX XXXX XXXX supplied the credit resources for XXXX XXXX XXXX cardholders. Since that time, XXXX XXXX XXXX  services XXXX XXXX XXXX cardholders. I did not realize the billing information and account numbers changed. This was my human error. 

XXXX XXXX received my payment and took my money even though there was no way to credit any account at XXXXXXXX XXXX because I am not an account holder there. My money should have immediately been returned to my account at XXXX XXXX XXXXXXXX XXXX given there was no way to credit any account at this bank on my behalf. Their service center is saying that payment was never received. Attached is the proof their bank got my money. I would appreciate your involvement in returning my money to me immediately. My money should never have gone into the coffers of XXXX XXXX. 

Attached is a copy of supporting documentation proving delivery of funds that was sent from XXXX XXXX XXXX via fax to XXXX to XXXX who clearly communicated yesterday that she would call to confirm receipt of this document. Still waiting to hear from her. I am sure since I received this documentation, she too must have it and my request has gone into a black hole. 

Apparently, XXXX XXXX, is the only person at this bank that has email accessibility via the web which is also proved to be bogus. Only the Office of Thrift Supervision Department of the Treasury ( OTS ) was able so supply me with a valid phone number to reach her. Only after speaking with XXXX @ XXXX, was I able to get a valid email address. Everything about communicating with this bank listed on the web is false. 

Because of the above situation, neglect, lack of contact and blatantly stealing my money that does not belong to them, I am submitting this complaint to www.consumerfinance.gov to report this incident to the Consumer Finance Protection Bureau. 

Thank you, 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 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My current car lender has repossessed my vehicle due to non payment. I have not been able to pay because of illness, XXXX, and hardships. I was devastated by the XXXX of two family members in XXXX during the hurricanes. Even though i did not have much i was asked to contribute to each funeral. And also My income had become affected by the hurricane in texas. Many of my clients were forced to cancel and as well as myself was forced to cancel many appointments. After the homegoing of my one of my uncles and one aunts, I fell ill to an unknown XXXX XXXX. I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. That same day I called and alerted my lender about my  situation. I stated that I would try to make a payment on the XX/XX/XXXX,  because i expected to be paid a lump sum of money from cancellations. I was unable to make the payment on the XX/XX/XXXX. Then finally I was told of another death in my family in michigan the first week of XX/XX/XXXX. I had no intentions on allowing my car payment get away from me this way. But I did let Ally Financial know of the troubles My family and I were experiencing. And I was told that I would be given time to make a minimum payment to push the other payments to the end. Unfortunately, I had not been aware of the repossession until it was too late. I have been struggling since the hurricanes hit! I know that my family is n't the only one that has been affected, but at this very moment I will struggle even more by not being able to get to my clients to bring in the income at all. The Ally Financial rep even stated that I had never fallen behind like this before, and they were here to help me in my time of need. I woke this morning, to find that my car had been repossessed.

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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NJ

Complaint narrative:
This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 'm not sure if my address keeps being changed due to the Equifax breach, but I can never access my report due to my information not matching what Equifax has on file. I have had to contact Equifax numerous times to ensure that my credit report reflects the correct information. I can not properly monitor my Equifax report when my information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had a credit card account with Capital One for almost 10 years. For the last several years ( 4-5 years ) there has been a {$0.00} balance on my card. I get my statements every month to my email and look at my account to make sure there is no activity on the card. I have the app download and use it regularly. Yesterday, XX/XX/XXXX at XXXXXXXX XXXX I received an email : " It 's been over four years since you 've used your credit card account ending in XXXX. As a result, your account has been restricted as of XX/XX/XXXX, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed ''. 
I called Capital One and spoke to 4 representatives on the phone trying to clear up this obvious misunderstanding since I did not receive any notification my account was in danger of being closed prior to the account being shut down. I spoke with 4 representatives including 2 managers ( XXXX and XXXX ) who told me the decision was final. I asked to speak to their managers or someone who would be able to assist with this issue and they told me I could hang up and call back to talk to someone else or I could write a letter. There was no one in the company that could reverse this decision. I asked both XXXX and XXXX if I could get a copy of the signed agreement that Capital One had that said that they had the rights to close my account without noticed. Both " managers '' denied my request. They did both tell me that could rerun my credit and I could open a new account. 
This issue hurts my credit due closing a line of credit and reducing my available credit and closing my longest revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I leased a vehicle with Hyundai Motor Finance in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my XXXX ( only ) credit report from XXXX XXXX XXXX XXXX and XXXX ( XXXX ) dropping my score 82 points. I called Hyundai who told me I had always prepaid and never had any missed payments, so I filed a dispute with XXXX on XXXX XXXX. By XXXX XXXX I received a letter from XXXX that Hyundai provided them all documentation and Hyundai removed the erroneous information. I never received an explanation of how someone goes backwards XXXX XXXX years and adds inaccurate information though I do believe it was the gentlemen I upset at Hyundai who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again Hyundai reported all the same erroneous information that was just resolved. I contacted XXXX and they verified that Hyundai once again did the same thing on a closed account that Hyundai just removed from the account. The XXXX women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call Hyundai on my behalf. I truly believe Hyundai has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called Hyundai, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score 77 points and I feel this is going to continue happening over and over again. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loan principal amount is {$25000.00}. When I contacted Navient they sent me my loan application that says I applied for a loan of {$1200.00}. Now Navient is trying to collect over {$50000.00} from me on this loan. I have made payments and I believe the additional fees and interest they are charging me is usurious and incorrect. I do have a co-signor and this is completely unfair to both of us. What they are doing borders on criminal activity.

Company response to consumer: Closed with explanation