vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My name XXXX XXXX XXXX, I submitted my application for a short sale with Bayview Loan Servicing, loan number : XXXX back on XX/XX/XXXX. The this whole process has been a nightmare and a real pain of a process. When I contacted Bayview I was advised to submit certain documentation to the lender to be reviewed. I did and was confirmed that they were received and was going to review the documents. My file was then transferred to an asset manager XXXX XXXX who I have never spoken to and never returns my calls. Her contact number is XXXX ; I was then advised that my file was transferred from the short sale department to the bankruptcy department. WHAT!!!! why? When the last time I filed BK was on XX/XX/XXXX file number BK XXXX. And keep getting advised that I have to speak to XXXX ... I do n't understand how a big company like Bayview has only XXXX person assign to my file that can update me or help me with my review or process. It is just ludicrous an unprofessional. The customer service is awful ... Go figure that the lender did n't help me when I tried to do a loan modification and advised me that I only qualify for a short sale that they are even making it hard to even do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I made a wire transfer from one of my accounts to XXXX ( a crypto currency platform run by CoinBase ) at around XXXX EST on XX/XX/XXXX. According to their website, it should have gone in on the same business day if the request was made before XXXX PT. I made it on time but it 's been 3 weeks now and no money is in my account. I received confirmation from the account I sent the USD from that the wire was successful so this is strange to me. I contacted CoinBase through their support channel and made a case after a few days of still not seeing my money and have followed up every few days since then ( over 6 times ) with no response. I have contacted them on XXXX, via XXXX on their support page and through other forums and STILL have not gotten a response. To me this feels like they have stolen my money or it has been lost somewhere and I have n't got any validation. Please help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: CA

Complaint narrative:
experian has fraudulently used my address for someone else and the sent the report to me. 1. received a report at my home address for another person 2. no such person at this address 3. correct this now 4. have experian apologize for their stupidity 5. get that person off my address 6. now

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 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On  XXXX   XXXX ,  2017 , I opened online a Wells Fargo Every Day checking account which was offering a {$250.00} bonus for making either a minimum  of 10 de bit card purchases or at least {$500.00} in qualified direct deposits within 60 days of account opening. I was instantly approved and received an e-mail directly from Wells Fargo confirming my new account was eligible for the bonus. I completed t he 10 deb it card purchases on  XXXX   XXXX ,  2017 . Since the bonus should have been deposited into the new checking account by  XXXX   XXXX ,  2017 , 45 days after the requirements were completed ; I went to Wells Fargo  XXXX   XXXX  branch located at  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  on  XXXX   XXXX ,  2017 . The bank officer opened an investigation but I have received no response from Wells Fargo so far. More th an one mon th after the 45 days waiting period, the {$250.00} bonus has not been deposited yet.

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 2017-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Contacted EverBank several times including the office of their CEO   XXXX   XXXX   XXXX  and was given the run around.   EverBank did not address the false & misleading advertising or shortage of interest I had received. Please see my complaint letter & attachments.

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 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Original complain still not resolved, have left messages for XXXX XXXX at TD BANK tel XXXX and he DOES NOT return my calls :. Complaint number : XXXX, Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX, Product : Checking or savings account Issue : Managing an account As explained on my original complain 15 days ago, I have not been able to access my account, it has been locked and was told I have to be at the bank to get it unlocked, I went to the TD Branch located at XXXX XXXX XXXX XXXX, I identified myself and explain the problem, the lady told me she needed to call their office, we were put on hold for more than 1/2 hour, I told her she already had my information to unlock the account and that I could not wait any longer since I had my ride waiting outside ( I am a XXXX person with no transportation ). She told me I had to be present for her to proceed. I filed the complain with your agency CFPB on the XXXX of XXXX, and last Friday I got a voicemail from the above gentleman, not to tell me the account was unlocked but that he needed me to return his call. I have been trying to reach this person and left him several voicemails and he has not returned my calls. Bottom line, the problem still persist and I have not been able to access the account on line, not by phone and can not even get my bank statements. I AM A XXXX PERSON AND I FEEL I AM BEEN DISCRIMINATED AGAINST BY THE INTERNAL POLICIES OF THIS BANK UNDER THE XXXX XXXX XXXX XXXX SINCE I CAN NOT GO TO THE BRANCH BY MYSELF TO RESOLVE THIS PROBLEM AND I HAVE NO METHOD OF TRANSPORTATION I received an email that your agency was informed that the problem had been solved, which is a lie. This morning I call your toll free number and was told that according to the record, the complain was closed and there was nothing else that CFPB could do, so I contacted my Senator to address the lack of enforcement action by CFPB Once again I need CFPB to continue tol address this existing issue with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: GA

Complaint narrative:
We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from  XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another  XXXX  member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
InXX/XX/XXXX, I got behind one month on my mortgage payment with Flagstar Bank, due to a financial hardship on my job. Flagstar Bank employees set me up on a Home Affordable Modification plan without discussion the details. I signed the modification plan and submitted it back to them. In XXXX of XXXX, I attempted to sell the home and found that there was a lien on the mortgage for {$34000.00} to Federal Housing Authority. This was never explained to me, nor did I have any knowledge of it. I was only behind one month on my mortgage note. If this had been explained to me, I would have never agreed to this. I have the document they sent to me to signed, there is no mention of borrowing {$34000.00} from FHA. I contact them to see what happen to the fund they borrowed? They told me it was used for the modification and the remainder was applied to my loan. I did not see my loan decrease. therefore I am requesting that this matter be investigated. I paid FHA back the {$34000.00} from my life saving in cashiers check. Therefore I am requesting that my funds be returned to me. This type of practice is wrong and manipulative and should not be tolerated.

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 2017-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX Portfolio Recovery ... they call my work number almost every day ... this has to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 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: OH

Complaint narrative:
My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from Paypal. The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another Paypal member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX ... they call my work number almost every day ... this has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
on or about XXXX XXXX 2017 I received a brochure from XXXX XXXX Master card ( Barclaycard ) Offering me to Upgrade my present XXXX XXXX Master card to a new XXXX XXXX Master card Plus foe an annual fee of {$99.00}. When i called i was told that i did not qualify at this time and to call back in 24 to 48 hours. I called every two days for almost three weeks and was told the same, that i did not qualify. No one could give me a reason why i did not qualify. Frustrated i filled out an application for this new card and a few days later i received the new card. I called Barclaycard to have my balance transfered to my new card and was told i had to pay off this balance of {$1700.00} and would not transfer it to my New XXXX XXXX XXXX. I explained to this manager that i had received a Brochure for an upgrade and was told i did not qualify. My complaint is that if i was able to upgrade all balances would have been transferd with no problem. My FICO is XXXX.My credit is excellent. I still have this brochure with my last four digits printed on it. This is deceptive advertising

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 2017-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for 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 2017-06-26 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: OH

Complaint narrative:
My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for 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 2017-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Back in the beginning ofXX/XX/XXXX both XXXX XXXX, and XXXX XXXX have been receiving harassing phone calls here at our employers phone. They know this too because the number they call is not only registered as a business, but as an employee the phone is answered in a business manner. Portfolio Recovery ruthlessly has called here twice each day. After we found out a week ago that Portfolio Recovery has called here since the beginning of the month, talked to several colleagues about both XXXX and XXXX XXXX, XXXX XXXX has spoken too, and asked Portfolio Recovery to stop calling here at our place of employment. Portfolio Recovery repeatedly calls here looking to collect on some kind of debt that both XXXX and XXXX XXXX have no Idea what debt this is in reference too. This morning XXXX XXXX asked Portfolio Recovery again to stop calling here at our place of employment. With just receiving the second call of the day from them, the calls do not stop. Portfolio Recovery has a reputation of illegal collection practices. This company should be shut down for repeated violations and offenses. XXXX and XXXX have already been included in the class action lawsuit that Portfolio Recovery chose to settle from California out of court, and yet again, Portfolio Recovery is falling back to their illegal collection practices. Please put these guys out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Simple Cash Loans, Inc.,
State: CA

Complaint narrative:
Due to the XXXX of my father I had to take a couple of months off to be next to him. The only resort I had at that time is to take a car title loan from 5 star Loan in XXXX, CA. I keep prepaying larger amounts than my interest but my payoff amount is been stagnant. I have been suffering to pay off that loan and have reached out to them by email and phone numerous times because I do not think my larger prepayments are being honored correctly and this is why I have been stuck. Their calculations seem pretty confusion and their explanations are very vague and I suspect that I am being scammed. I Have already Paid {$6300.00} on a {$4100.00} loan and my payoff amount is still around {$3100.00}. I have emailed them specifics about my where I suspect discrepancies but they do not want to reply by mail and want me to call. I have called before and was lost in their explanations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called to close the account and asked for a payoff balance. I was given that balance and paid it. After the account was closed I was charged a {$9.00} fee, then late fees with out me knowing month after month. I left multiple voicemails for representatives and have not been called back. I am now speaking with attorneys in my building about doing a class action suit against chase. I have found 15 other individuals with similar stories and plan on running a social media campaign ( i own a marketing company ) to find as many victims as possible with similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I PRESENTED TRANSUNION WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED TRANSUNION TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN TRANSUNION. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX PLEASE CORRECT YOUR RECORDS.

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 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Four issues : 1 ). Low scores on XXXX ( " Poor '' ), Experian ( " Fair '' ) and XXXX ( " Fair '' ) made it impossible to be approved for refinancing credit card loans. Low scores caused by using credit cards during a period of high medical bills. It is ABSURD and WRONG to be penalized in your numeric-score for using your credit cards up to your approved credit line! 2 ) Accounts reported as being in collections. Insurance paid a fair amount for ambulance services and reports to all three credit bureaus for excessive fees as being in collections have damaged my scores. 3 ). There is no ready way to include in a credit bureau report items being challenged. 4 ) complete lack of transparency in how scores are calculated or even which numeric score is being reported.

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 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been trying to resolve negative accounts on my credit report. Due to lack of proper investigation and communication I am requesting that this negative account be removed from all three credit bureaus. I have contacted this company multiple times for verification and validation and I have never received the information requested. I am in the process of shopping for a mortgage and this unverified and un-validated account is preventing me from purchasing a home for me and my children.

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