vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated. 

Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-01 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX I requested a security freeze and suppression regarding my personal information with Lexis Nexis. I received a letter that both request were placed onto my account, but still Lexis Nexis still continue to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I reported to the issuer of my XXXX XXXX that there has been a fraudulent or unauthorized charge to my card on several occasions. 
Each time was with instructions to complete a form. I submitted the forms with no reply. 
The only item was yet another charge on my card each month. 
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX my card was charged {$16.00}. I attempted to contact the company regarding the charge with no response. The company deletes messages after 120 days, so I do not have record of each of the messages as they have deleted them from the website. I received a form to complete and return, which I did sometime in XXXX or XXXX XXXX. I received no response. 
However, my final frustrated request was on XXXX XXXX, XXXX demanding that the fraudulent charges be refunded and that my account be closed. They replied that they will report my non payment to the national credit reporting agency even though I have reported this as fraudulent. When I logged in to their website this evening, I see now they have charged me late payment fee of {$16.00}. Sort of ironic as each of the fraudulent charges were for {$16.00}. I am furious at the inaction of Comenity Bank regarding my account. 

I have no documents to upload other than the statements as I have not received anything from the XXXX XXXX CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.

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 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Hi my name is XXXX and I applied for a venture credit card through capital one, and I was declined for missing credit information. I had a security freeze on my credit file, I notified Capital One that I had a freeze on my credit files, I was told by capital one supervisor that I would need to remove freeze in order to be considered for venture credit card, that I know that I qualified for. XXXX XXXX, I contacted the major credit bureaus and had my credit file lifted/ freeze for 10 days, I was told by capital one supervisor to lift freeze for 10 days, after I lifted the freeze capital one still denied my application. I have researched capital one criteria for the venture card, and I know I qualify. Capital one only want to offer me credit cards with high interest rates with low credit limits, so they can continue to make money from me, this is very unfair as I have worked very hard to keep my credit excellence, but capital one failed to give me a fair chance, as I call this fraudulent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I cashed a check from my own company. I loaned my business {$3000.00} from another bank to cover payroll. When my bank reached over 10K, I wrote myself a check to cover the the loan and additional money for business expenditures. I went to the bank directly and cashed the check for cash since I know BOA tries to charge and hold monies for everything they can to help incur overdraft fees. When I cashed the check, I immediately saw it come out of my account on the mobile app with over $ 4K to spare. My husband, did not know and thought an employee cashed a check and ordered a " stop payment. '' We were never credited the money since the check was deposited at the bank for cash. 
However, 12 days later the whole account changed. It never showed the check I cashed like it did the same day I cashed it and yet they tried to say money came out that never did because my XXXX and XXXX XXXX never got their ACH debits. BOA lied trying to reap {$5800.00} which they decided to remove 12 days when they saw my account hit a low of approx. {$100.00}. BOA is cold busted on this one since there a no people involved ( hearsay ) but my self ( the debitor ) to my own business. 
Please lets bring thieves that change statements from one day to another to suit their stealing from the client. Young people are app savvy and we can see it all. Please help the small nonprofit businesses helping poor communities to eradicate this greed in humanity.

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 2017-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I received an order of garnishment from the court. The creditor listed is Ray Klein Inc, an  Oregon Corporation DBA XXXX XXXX XXXX. The Original debt amount is listed as {$830.00}. Fees were added in the amount of {$1000.00}. The document states that a judgment was entered against me dated XX/XX/XXXX, 2010. I was not  notified that I had this debt EVER, the original creditor was not listed, and I had no idea a judgment was entered. I can not even imagine what this debt could be.

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 2017-09-01 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: IN

Complaint narrative:
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau has not satisfied it obligation to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.

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 2017-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have had a Capital One credit card for 8 or 9 years. Around XXXX XXXX, I had called to see if I could switch from a Platinum XXXX to a XXXX card. I spoke with a gentleman that told me it was an easy upgrade so my interest rate would stay the same, card number the same, but with no more annual membership fee and 1.5 % cash back. Just now I realized my balance was higher than the last time I checked when I had not used the card. On XXXX XXXX, XXXX I was charged a {$39.00} membership fee. I looked back and was charged the same thing in XXXX XXXX. I checked the Capital One website and saw clear as day under the XXXX card description that the annual fee is {$0.00}. I called them this evening XXXX XXXX/XXXX/XXXX XXXX and spoke to 2 people that both told me they have a membership fee on this version of the XXXX. They refused to fix the problem and claimed that I must have agreed to it because all the representatives have to disclose that this is a different version of the Quicksilver than what is advertised. I was blatantly lied to and signed up for a card that I was not clearly described in that phone call. I should have been made aware of this especially because I told the sales representative that I was looking to get rid of the membership cost. Not only are they unwilling to change my card to the right " version '' of the XXXX, but they refused to waive even one of the fees. I feel not only was I lied to, but many people are being tricked into this card by looking at the marketing online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I use Bank of America and have been a customer since XXXX. I use the mobile banking app nearly 100 % of the time as there is a fee if I enter and use the branch. I use RDC ( remote deposit capture ) feature in the mobile app to deposit my bi-monthly paycheck. Today I tried to deposit my paycheck. Because there is a {$10000.00} monthly limit on RDCs, I was unable to deposit my paycheck. What happened is that I recently received a raise and now my checks are large enough that they add up to over {$10000.00} a month. I called to ask for the RDC {$10000.00} limit to be raised but the phone rep and the supervisor both told me it ca n't be raised. This is my primary complaint. How is it that a Bank will limit me from depositing my standard bi-weekly payroll? 

Second issue, I was then guided to make the deposit into a linked joint account that I share with my XXXX XXXX XXXX son. I was told that once the RDC transaction shows to the bank after the nightly processing, the next morning, the check image is available. They told me that I can then call in the morning and ask to move the deposit into the originally intended account. However, when I called back, the rep on the call said this could not be done. The rep then said the funds would not be available for 5 days. However, when I deposit my payroll check into the originally intended account, the funds are available next business day. 

So, the artificial {$10000.00} limit on RDC has cascaded into a series of bank blunders that have caused me to deposit my payroll check into an unwanted account and now the money is locked up in this account. The rep furthered that a lot of bank policy changes took place in the beginning of XXXX XXXX. However, I was never notified of these changes. '' It 's these kind of inflexible rules that hamper consumer banking. It 's difficult to make simple deposits ... and then the customer is forced into a branch to do basic consumer banking. 

Please help, 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 2017-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
During the purchase of our first home, we went with XXXXLoan Depot because they were a preferred lender for our builder. As first time home buyers we put our trust in many people including XXXX to explain the process fully and completely. However, throughout the entirety of getting this mortgage there were many failures, including lack of communication, lack of explanation or even correct explanation. There were many times we had to seek an explanation from another lender and XXXX  ended up being wrong. However, none of that compares to the final straw that is a bona fide violation of CFPB and TILA regulations. 

We received our final CD on XX/XX/XXXXwhich triggered our 3 day wait to close. There was already a glaring error in the amount of our earnest deposit. We were basically told " it 'll be fine. '' The night before we were scheduled to close, as our title company and lender were busy balancing the monies, my title company discovered that our CD had a doc stamp fee of {$1800.00} on the seller 's side when it was supposed to be on the buyer side.

I found out from my realtor and then my lender called. He explained the error and then proceeded to ask me if we had the funds to cover that amount. An amount that was not disclosed to us as our responsibility on the CD.  Our loan officer tried to pass blame to the title company and said that XXXX would not cover the whole amount. 

On the morning of closing, this issue was still not resolved. Allegedly, the response from XXXX XXXX corporate office was that they would not do a cure credit. At all. Our closing was 6 hours long because my lender and title company spent half of a day arguing over whose fault this was. XXXX then proceeded to " fix '' this issue by sending a new CD wherein they reduced our seller credit by the amount of the error. Thereby covering up their failure to disclose. XXXX refused to rectify their error and my realtor and title company tried all day to get XXXX to realize the CD was wrong and we, the buyer, was not going to pay for this incredibly significant error. XXXX and its representatives were absolutely unprofessional and pretended to make everything ok with a lender credit of {$770.00}. Everything was far from OK. 

In order to close on our house, we did end up having to pay the {$1800.00} and were told we had to sign the CD the lender created that day that improperly tried to cover up their error. Which we did so in protest in order to get the keys to our home. 

XXXX/Loan Depot needs to be held accountable for violating the laws put in place to protect consumers like us. This is simply not ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My home burned on XXXX XXXX XXXX. I finally got the insurance check and over-nighted it to DiTech Claims Dept., XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX ; on XXXX XXXX XXXX.  DiTech received the check and marked my loan paid off on XXXX XXXX XXXX. DiTech issued me a check for the overpayment of ( {$62000.00} ) on XXXX XXXX XXXX and I received it on XXXX XXXX XXXX. However, the check had been issued with my XXXX husbands ' name - and - mine on it, making the check worthless. I called DiTech and explained the problem with the check to them. I was advised to over-night the check back to them and given the address. I was told that it only takes 7 - 10 days to reissue a check. I sent the check back on XXXX XXXX XXXX. I received the titles to my burned double wide in the mail on approx. XXXX XXXX XXXX, since DiTech had taken the money and paid off my mortgage. I called Customer Service ( XXXX ), on XXXX XXXX XXXX, spoke with XXXX. I was told that the check was received and forwarded to Payoff on XXXX XXXX XXXX. This time I was told that the check would be reissued in 10 business days. XXXX XXXX XXXX XXXX, I called again and spoke with XXXX. I was told that the claims and payoff departments were arguing over who had to reissue the check. I was told to call back and speak to the claims dept. I did, and spoke with XXXX. After some checking, I was told again that I should have the check in 7-10 days. On XXXX XXXX XXXX, I called again and spoke with XXXX, then transferred to XXXX ( XXXX ) in claims. XXXX said that she was checking with her mgr. and would call me back with more details. * She never called back. * On XXXX XXXX XXXX, I called again and spoke with XXXX in claims and was told that they had nothing about it and to call customer service. I did and spoke with XXXX. She got an attitude with me and said that there was no check. I have been drug around for two months. DiTech has had a copy of my XXXX  husbands ' XXXX certificate since he XXXX four years ago. Our titles said - or - NOT - and-. All they had to do was reissue the check with his name then - or- my name. My granddaughter and I have been drug around enough.This has caused me an enormous amount of stress. This company is intentionally dragging this out. PLEASE Help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AP

Complaint narrative:
I have been a customer of the company for about one year. During that time, I have made several purchases and sales of Bitcoin and other web-based currencies. I have provided the company a copy of my photo ID ( drivers license ) and have been " verified '' by them since my account was originally established. 

About two weeks ago, I received a message that my ID had to be re-verified. I once again provided my drivers license and completed an online questionnaire, similar to those used for a new credit account or credit report, for validation. I answered all the questions perfectly ; and provided my address, which I have lived at for almost six years, and which is listed on my drivers license.
The questionnaire came back as " unable to verify '' and directed me to try again in 24 hours. I have done so, every 24 hours, for the past two weeks, always getting the same " unable to verify. '' While unable to verify, I am unable to move money into or out of my account. I contacted the company on the third day and was given a canned response recommending that I adjust or change elements of my address for the verification. I have been trying that with minor variations, including use of ZIP+4, etc., every 24 hours for the past two weeks, in an attempt to re-gain access to my account, which holds nearly {$6000.00}. This has all been to no avail. No matter how I adjust my address, the " unable to verify -- try again in 24 hours '' message appears. 

I have continued contact with Coinbase tech support, who insists that they can only perform ID validation through the third-party company which they use. I have repeatedly asked for who that third party is so that I can try to resolve the issue through them ( the third party ), but have been summarily ignored at least two times about that. 

I am not the only customer going through this issue. A XXXX search of " Coinbase Identity Verification not working '' comes up with dozens of posts on a number of forums with many other customers having this same issue, and also presumably having their own money held hostage by Coinbase.

Company response to consumer: Closed with explanation