vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
My name is XXXX XXXX. Transunion is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XX/XX/2015 and account number # XXXX. It does n't make any sense for this to be on my Transunion report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXXXXXX XXXX deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NE

Complaint narrative:
Grant & Weber is attempting to collect {$10000.00} On behalf of XXXX XXXX XXXX. I live several hundred miles away and have never interacted with XXXX. I do not have the account information because i dont know who this company is. Both XXXX and Grant & Weber are attempting to collect money and I have no idea why.

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 2017-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This company called XXXX XXXX say I have a open account with Capital One. There is another company who is handling this case I filed Bankruptcy in XXXX the account XXXX XXXX has was discharged chapter XXXX I do owe Capital One money but not from XXXX XXXX that credit card was paid off or discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I used my ETH wallet address on Coinbase account to receive XXXX tokens in XX/XX/XXXX.  However, at that time I was not notified that the Coinbase actually do not support XXXX tokens. I emailed the Coinbase support team on XX/XX/XXXX regarding this issue and they did not get back to me until XX/XX/XXXX. In the email they told me the tokens were not supported and they could do nothing to recover the tokens. 

There are at least two things Coinbase could improve in the future : First, as everyone understands, unlike other traditional financial assets, digital currencies such as bitcoins are of extremely high risk and digital currency transactions are irreversible, as such, Coinbase should have put up warning signs in a more obvious spot on their main page. Even though there is an article XXXX and XXXX on their website, you have to try very hard to find it. Also, there should have been a warning message prior to each transaction to make sure customers fully understand the potential risk and the proper procedures to follow. 

Secondly, I believe every customer of Coinbase should have full control of their digital assets. We pay for the service fees and as such we deserve to have full access to our digital assets. If unsupported tokens are accidentally sent to Coinbase wallet, Coinbase support team is obligated to at least try to recover the tokens for the customer instead of doing nothing at all. Imagine if your credit card was stolen and you lost your money, I believe the financial institute who issued the credit card ( e.g. XXXX XXXX, XXXX XXXX XXXX, XXXX, etc ) would try their best to find the money for their customers. So should Coinbase.

The total value of the tokens are {$4500.00} as of XX/XX/XXXX ( per XXXX.XXXX ) and the loss of the tokens is a huge loss to me. I am hereby requesting Coinbase to be fully responsible for losses caused by negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: IL

Complaint narrative:
OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX. 

Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information. 

To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.

Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail. 

Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.

Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information. 

I believe I was unfairly refused this loan because I am a divorced woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advanced Call Center Technologies, LLC
State: CT

Complaint narrative:
I received a voicemail today ( XX/XX/17 ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from Advanced Call Center. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I was unemployed for a period of time and accumulated a sum of credit card debt, which I am now paying down after having gained a decent job. However, I regularly receive mailings from several companies that have very imposing-sounding wording, and are misrepresenting the contents of their mails. For instance, their envelopes have " Final Attempt '' in big red lettering, and the front of the mail ( the part that is visible before opening the envelope ) says " pay to the order of '' with my name underneath it. 

These are private entities that I DO NOT owe money to, and to say " Final Attempt '' implies that they have been attempting to contact me for debts that I owe them. 

To write " pay to the order of '' implies that they owe ME money, which they do not. These are just debt consolidation services that are trying to use fear and misdirection to convince me to take out a loan with them. The worst offender by far is Prosper ( https : //www.prosper.com/ ), and I have attached a picture of the most recent letter I received from them below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: CT

Complaint narrative:
I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit 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 2017-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX phone number XXXX and XXXX started calling 3 times a day on my cell phone which started about 2 1/2 weeks ago. They also started calling me at work. I advised the  collector she was calling my work number and to stop calling. The following week she called me again at work. She wanted to let me know about my past due account with XXXX XXXX. I advised her 1st that I already asked last week not to call me at work, 2nd I do n't  have an account nor have ever applied for a card. She insisted that I did and she has my Birthdate, and Social Security along with my personal information. She didnt verify my that the person she was talking to on the phone was indeed the account holder. I asked to identify the DOB on file and she stated she couldnt give out that info? Again I stated this is not my account. She transfered me to the FRAUD deptartment. The rep was able to verify that the last 4 numbers for the SSN did not belong to the account holder on file, but she was puzzled on how XXXX XXXX XXXX had my Direct Work line or my cell phone. I asked her to remove my phone  numbers and to stop calling. She said she didnt know how to do that, and could'nt guarantee that the calls would stop? She offered to put me on the Do Not Call Registry, but that is not good enough.

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 2017-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I requested XXXX with XXXX XXXX XXXX close my account over 90 days ... they kept charging me late fees and lying saying they were closing the account also with the XXXX card through XXXX .I would like to be reimbursed for late fees I have paid since my accounts were not closed 90 days ago as requested. XXXX took over the XXXX XXXX XXXX account without my knowledge, ... I have received another late fee and unknown charge for my XXXX XXXX XXXX card.

XXXX is deceptive and is stealing from me by refusing to close my account timely and charging me fees. I would like the fees and charges refund to me since 90 days ago ... when the initial request was made they threaten by harming my credit score if I did n't pay fees I know I did not accessXXXX XXXX XXXX XXXX ... phone number associated XXXX XXXX XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX I refinanced my student loans with the federal gov in order to participate in the Public Service Loan Forgiveness program. Due to incorrect information and a mistake on the part of the person who assisted me I was put into the incorrect payment plan structure ( standard repayment plan ) which I only accidentally caught in XX/XX/XXXX. This denied me 9 months of the loan forgiveness program and cost nearly {$10000.00}. The payments made on the incorrect payment structure are higher than the payments made on the correct plan ( income based repayment ). I have been trying to resolve it ever since but every time it seems someone is going to  help me I never hear from them again. 

Apparently there is an appeal process but noone knows how it works and there is noone to physically speak with by me or the loan officers so there is no way I can tell if they have actually reviewed my materials or not. 

Since this time XXXX XXXX XXXX has made multiple other mistakes on my account, only caught by hypervigilance on my part due to no faith in business practices. Things such as putting my loans in deferment without my permission, Sending me a letter stating I made 154 qualifying payments ( 120 necessary for loan forgiveness ). That one was in my favor so they addressed that immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr. Cooper was my mortgage company for a property I purchased. 

A couple months prior to expiration date of my property mortgage insurance, my insurance agent and I faxed and emailed reinstated proof of insurance for the property covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

After receiving non-renewal from Mr. Cooper, I called. Emailed and faxed over the proof of insurance. My agent also emailed the proof of insurance. 

Mr. Cooper sent me non-renewal letters after that to which I called and asked how many times do I and my agent need to forward the proof of insurance before Mr. Cooper updates their file. 

On XXXX XXXX, XXXX, after receiving another non-renewal letter from Mr. Cooper, I called them. ( As of XXXX XXXX, XXXX, Mr. Cooper mortgage transferred my loan to XXXX XXXX XXXX ) I found out on XXXX XXXX, XXXX that Mr. Cooper has been billing me for home insurance policy and that Mr. Cooper paid out {$1100.00} on my behalf for this insurance. I was told my loan account showed having two policies. Mr. Cooper actually got an insurance for me and has been billing me. I have been paying this without knowing!. A lady named XXXX at Mr. Cooper told me I will be receiving a refund check within 5-10 days. 

I still have not received it. When I call Mr. Cooper, I was put on hold and after few minutes, I would get cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I complained to the FCC about XXXX withholding a refund. I won the complaint and XXXX refunded {$270.00} on a Citibank debit card ( although I wanted a refund in the form of a check ). I used the debit card in XX/XX/XXXX, and only {$260.00} was available. When I checked the balance at www.prepaid.citi.com/XXXX, I saw an " account maintenance fee '' was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$3.00} each month for a total of {$9.00}. I know {$9.00} is n't a lot of money, but I want it back because XXXX owed me a refund and they should not be allowed to use a repayment/refund vehicle where the consumer is charged a fee. Also, in reading the law in California, that is not legal.

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 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I applied for a re-finance loan with this company. After several months of constant run around ( sinceXX/XX/XXXX, 2017 ) the company told me last week the loan was conditionally approved but advised it would not be funded until repairs from Hurricane Irma were completed. ( I have a pending insurance claim, however the appraisal of my home in its current un-repaired state far exceeds the requested loan amount ). I told them I did not want to wait that long and had found another mortgage company so I no longer wanted the loan. They agreed to return my appraisal fee. Today I received a letter that they DENIED my credit application. This is not true, I WITHDREW my credit application. I have since gone on the internet and have learned this company has done this to many others before when they have complained about the way this company operates. I am concerned this fraudulent DENIAL of credit will affect my credit score and affect my ability to re-finance with another company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX I opened a regular savings account with Bank of America. I asked what the minimum dollar amount was to avoid any fees. I was told it was {$300.00}. So I opened the account for {$300.00}. On XXXX/XXXX/XXXX, I received a statement with fees of {$5.00} each for XXXX, XXXX, XXXX, totaling {$15.00}. When I went to the bank on XXXX, I was told the reason I was charged fees was because the minimum for savings accounts increased from {$300.00} to {$500.00}. I never received a letter or email stating this. I closed my account and took the amount XXXX {$280.00} XXXX left after fees.

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 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is that Wells Fargo acquired my loan from XXXX XXXX in XXXX and Wells Fargo is trying to foreclose on my property with fraudulent documents. I notified Wells Fargo about my husbands signature being forged on the non borrowing spouse signature page and that the page was also notarized. I requested a copy of my original note and Wells Fargo sent me a copy stamped that the documents were certified to be copies of the original and I discovered the forgery. I have yet to receive a response from Wells Fargo. My understanding is that its against the law to foreclose on a property with fraudulent documents. I had to file chapter XXXX in order to stop the foreclosure. I have a statement from several Wells Fargo stating that my loan was handled correctly. I have proof that that 's not the case. I requested that Wells Fargo supply me with the notaries log page that should have my husbands drivers license number, thumb print and signature. I have yet to receive that also. Wells Fargo is suppose to make sure all documents are in order and correct before foreclosing and they did n't. Wells Fargo has already been fined for robo-signing and it looks like they are still doing it. I tried to work things out with Wells Fargo by requesting a loan modification and also asking for a settlement payoff amount. I have someone that was willing to pay Wells Fargo cash to payoff my loan and become my new lender. Wells Fargo needs to rectify this problem that I am having with.

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 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This complaint is about Navy Federal Credit Union XXXX Check No. XXXX dated XXXX XXXX XXXX in the amount of US {$85.00} payable to the payee appearing on the face of the check. 

The amount was debited by the bank ( Navy Federal ) from my account with them as of XXXX XXXX XXXX despite the check issued never have been gotten hold by the payee much less endorsed by nor being deposited in her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I bought bit coin through Coinbase and was filled way outside of the bid and ask. The ask was at {$18000.00} and I was filled at {$19000.00}. {$670.00} over the ask. It is impossible to contact the company. I tried calling their phone number I have been on hold for over 2 hours and no answer. When I 'm on their website and click on the link to contact by email, it does n't go to an email ; it goes to a chat window controlled by a bot and you can never reach a human or anything other option. 

Time of execution was XXXX XXXX on XX/XX/XXXX. Reference code XXXX Bought Bitcoin XXXX BTC @ {$19000.00} per BTC Reference code XXXX Payment Method USD Wallet  Fee {$1.00} Subtotal {$160.00} Total {$160.00} XX/XX/XXXX XXXX XXXX Completed

Company response to consumer: Closed with explanation