vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX XXXX, I went to the Equifax website after receiving my credit report electronically and noticed the extreme amount of inquiries on there. I had filed a dispute to remove them because I did not give authorization to run my credit nor are they associated with any active and opened accounts. Also, some of these inquiries had no creditor contact. I was informed that they will not be removed. The inquiries are as followed : XXXX XXXX-Inquiry :XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX/XXXX XXXX -Inquiry : XX/XX/XXXX. XXXX XXXX- Inquiry : XX/XX/XXXX. XXXX/XXXX-Inquiry : XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX-Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
As of XX/XX/XXXX my account with Arvest was overdrawn $ XXXX including {$130.00} in over draft fees. On XX/XX/XXXX a check from the XXXX XXXX XXXX XXXX XXXX was deposited in the amount of {$1500.00}. The date the check was deposited the the account was brought to $ XXXX. On Saturday XX/XX/XXXX the {$200.00} credit from the deposit was reversed and the check was placed on a one week hold. Arvest has deposited several checks ( over {$1000.00} ) from the XXXX without placing a hold on the account prior to XX/XX/XXXX.XX/XX/XXXX a payment was scheduled to come out of our account with Arvest to pay for our water bill. Since Arvest has placed a hold on our deposit. Our water is now turned off and we must pay an additional {$20.00} to have the water turned back on.

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 2018-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
My former employer provided health benefits with an HSA account that they setup with a local bank in XXXX, Fifth Third Bank. I tried to close the account and they said that they were going to charge me a fee and in addition, they have been charging me a monthly fee on a deposit account with no activity for years now. I have ignored the problem in large part because of the inconvenience but they have now drained more than half of the assets from the account, have constantly cancelled debit cards or not provided a way for me to access my funds and still insist on charging me a $XXXX fee simply to retrieve my own money and close the account (which is less than half of what it originally was due to service fees). When I call they have absolutely no regard for this problem and insist that these were part of the terms of my account. I did not chose the financial institution because it was an employer supplied HSA plan. I am extremely frustrated and out hundreds of dollars in fees on an account I did not use and have basically left as a deposit for them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX XXXX I got a mortgage with Wells Fargo. This was paid off and refinanced in XXXX XXXX, with Wells Fargo. 

Wells Fargo did not send a lien release and the paid in full note to me nor did they file with my county and my state that had paid them to do. 

Rather they filed a second lien against my home in XXXX XXXX, Wells Fargo solicited me in XXXX, I did not contact them they contacted me, saying they could modify this loan for free. However this was not what happened they created a brand new Loan without releasing the other Loan or returning to me or my County the Satisfaction of mortgage on this second Loan, little did I know then they were collecting {$1600.00} per Mortgage for helping people who needed help. In fact what they were really doing was solicting their Best Customers who really did not need this at all, I feel sad about that. 

They refiled a third mortgage and lien against my home, without releasing the other two liens or  returning the notes to me indicating that they had been paid in full. Plus the last mortgage they lied about the terms of this Loan While my note Stated it would go up a maximum of 2 % points each year after the initial 7 years the document they sent said it would go up 5 % points. 

In addition I had a Home Equity line of credit that was paid in full and closed no lien release for that either. 

They have been messing me around since XXXX reporting I had not made my XXXX XXXX mortgage payment to the Credit Bureaus, even thought all the paperwork was submitted to prove this was indeed not factual, they sent me three letters wriggling out of fixing it, and every letter contradicted the last letter. 

Now because of these problems and experiences with Wells Fargo, I have paid off all Loans in full, this was done in 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 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I have had a pending digital asset deposit worth a lot of money stuck in limbo for a very long time. The exchange ( XXXXCoinbase ) refuses to respond to my messages and I can not get in contact with customer support about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I called Transunion to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as he was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative. I explained to him what happened and how the previous US was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires. I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the previous US Representative I was speaking to could delete inquires but he wasn't able to. The US Representative was very rude and didn't care to help me address this issue. He stated that I could not be connected to the previous US Representative. There is a total of of 9 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places in which I did not authorize to pull my credit.  •	XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•XXXX (XX/XX/XXXX)•	XXXX XXXX (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 explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
This process began the second week of XX/XX/XXXX when my CURRENT mortgage holder contacted me and asked me if I would like to re-finance my loan. I spoke with XXXX XXXX at Caliber Home Loans and he can be reached at XXXX or XXXXXXXXXXXX XXXX turned me over to the loan processor below. 
Loan processor name : XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and she can be reached at XXXX or XXXXXXXXXXXX XXXX XXXX has sent me letter asking me to get statements from my pension plans stating that they are guaranteed for the next 36 months. Apparently the underwriters were unable to understand the language of letter from my first pension plan ( XXXX XXXX XXXX XXXX ) so she contacted them and they sent me a new letter stating that I will receive this pension until myXX/XX/XXXX and I forwarded a copy to XXXX XXXX on XXXX/XXXX/XXXX. However, my second pension, XXXX is a XXXX pension and XXXX XXXX is asking for the same type of letter. XXXX can not guarantee that I will not break their compliance regulations and therefore can not send a letter guaranteeing that I will receive this pension continuously for the next 36 months. XXXX XXXX stated in her letter today that I could get a new letter from XXXX, so I did get that letter but it is the exact same language of a letter that she and the underwriters already have. She also stated that I could forward a copy of the XXXX handbook for the underwriters to read and then they would decide if this is sufficient for my re-finance. Again, this is my CURRENT MORTGAGE holder that I have been making timely payments to since they became my mortgage holder. I ca n't even believe that if I were a working individual ( not retired or XXXX ) that a mortgage company would require that my employer submit a guarantee letter stating that I have guaranteed employment for the next 36 months. No employer would put themselves in a position of guaranteeing employment for anyone for a future period of time. I believe that I was only asked to obtain these letters because I am over the age of XXXX and that I am XXXX. Please help me understand that this is a perfectly legal process for underwriters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit during the time. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONAL ASSET MORTGAGE, LLC
State: MO

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA : XXXX. XXXX 'S letter informed me that they had assigned my mortgage to National Asset Mortgage effective XXXX XXXX, XXXX. Also that the law required them to give me such notice at least 15 days before the effective closing date. Similarly the law requires the new servicer to give me/us the same notice. XXXX said they would cease servicing my mortgage effective XXXX XXXX, XXXX and that National Asset would begin servicing my mortgage effective XXXX XXXX, XXXX. As of this writing, I have n't received such notice from National Asset Mortgage.

I first phoned National Asset Mortgage at XXXX & XXXX. on Monday XXXX XXXX, XXXX and I spoke to XXXX who gave me XXXX of Customer Service at XXXX. I called seeking verification that they were now servicing my mortgage and if so to secure a new loan number and more critically that they are in fact the new servicer of my mortgage.. They could not find me in their system and asked that I call back Friday, XXXX XXXX, XXXX. I since called back at XXXX. XXXX XXXX, XXXX, XXXX. & XXXX XXXX XXXX, XXXX and they yet ca n't find me in their system. XXXX said that my payment due XXXX XXXX, XXXX is not late until XXXX XXXX. Then on yesterday, XXXX XXXX, XXXX XXXX of National Asset Mortgage phoned me asking me about my delinquent payments. Again I told him that it is critical that I have a loan number and even more critical that I have legally required notice from National Asset Mortgage stating that they are now the servicer of my mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Credit Line opened with Chase, I had not been late on my Credit card before, I had a Separation and attempting to make my payments. As soon as the first payment was not made, Chase closed my Online access and was not able to continue to make payments. I called numerous times and discuss with CHASE how do you want me to make payments if I do not have access to the account I have establish online? So, time has passed now and the Account has been sold. Chase has violated access to the account to see where payment is being applied to. I have other credit cards that I have and continued to make my payments even thru my hardship. I need help, regarding the Laws to protect consumers from Big Banks cutting access to the account to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
XXXX XXXX I sold Ethereum, Litecoin, and Bitcoin for USD to be wired into my US bank account via the company Coinbase (www.coinbase.com). There was a statement saying there was a delay in withdrawals and it could take up to 10 business days to receive my money. It is now XXXX XXXX, and I still have not received my money. The status on coinbase for these transactions says "complete", however no money has been received. Created a support ticket with coinbase XXXX XXXX, and have not heard back yet.XXXX Bitcoin sold for XXXX USD. Coinbase reference code - XXXXXXXX Ethereum sold for XXXX USD. Coinbase reference code - XXXXXXXX Litecoin sold for XXXX USD. Coinbase reference code - XXXXThese should come in as 3 separate direct deposits for a grand total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Note : This is NOT a duplicate of any previous complaint. 

It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law. 

The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting. 

Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
try open an account and they rejected dont get me any details

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 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My account is Account XXXX XXXX with Navient, formerly XXXX XXXX. I have been paying on this loan for more than 10 years. My original borrowed amount was about $35K. Ten years in, my balance now says XXXX. I was in forbearance many years ago, right after I graduated, so I definitely incurred more interest and fees, but does it really seem reasonable that 10 years in I owe almost as much as I borrowed? I have paid over $25K and I know it was due to the forbearance, but I am wondering if there is any way to lower the principle I owe - I haven't missed a payment in over ten years. I am actually in a good place now and can even pay a little more per month, but does it really seem fair I will pay over $55K to borrow XXXX? Seems like loan sharking to me. Please let me know if there is anything I can do. I'm certainly willing to pay my full borrowed amount plus some extra for the forbearance, but this seems a little ridiculous. Thanks for any help. I have all records in my account. The loan company has some sketchy accounting so it looks like they are only charging me for the XXXX  online in my payment records, but you can see over ten years in, there is still a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Last summer sometime aroundXX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. Debt Recovery Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.

Company response to consumer: Closed with explanation