vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I've been a homeowner for over the past 10 years and have never had issues with my loan. In approximately XX/XX/XXXX, my mortgage was transferred over from XXXX  to Dovenmuehle and I've been experiencing problems with the new lender. Two issues persist despite my repeated attempts to resolve this internally : 1 ) I've provided Dovenmuehle with proof of hazard/flood insurance FIVE times now - twice through the online system at XXXX ( XX/XX/XXXX ; XX/XX/XXXX ) and three times directly to XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) per the customer service representative 's recommendation. Recently, I've additionally followed-up with Dovenmuehle at least two times by phone ( XX/XX/XXXX ; XX/XX/XXXX ) to confirm receipt of my submissions but am always told they were never received. I really don't know what to do at this point. I need to be refunded {$2900.00} for insurance that was purchased on my behalf when I've already submitted proof multiple times. I live in a condominium and insurance is always purchased by the HOA. I've never had issues in the past providing this information to the lender, prior to the transfer of the mortgage to Dovenmuehle. I'm starting to wonder if anyone is working in the Insurance Department at all.

2 ) I had an appraisal on XX/XX/XXXX and the mortgage company cashed my {$470.00} appraisal fee on XX/XX/XXXX. I have yet to receive notification that PMI will be removed from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a checking account with BBVA Compass on XX/XX/XXXX when they had a XXXX  $ bonus promotion for making a direct deposit of XXXX   $ or more. I met the requirements for the promotion. Still after contacting the bank several times the bonus was not posted. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX but so far the amount was not deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dont know who is XXXX/ XXXX ?

This company pull my credit without my Authorization on XX/XX/2018.

This issue takes down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TX

Complaint narrative:
I have enrolled with a credit resolution company to repair my credit. They went over the tactics that credit agencies or debt collectors will do in order to get me to pay the pay the debt I owe.

The credit resolution company I signed up with provided me a lawyer in case the credit agencies or debt collectors break the law. Allied Interstate has repeatedly been calling me non stop. I received 2 letters from them about 2 weeks after they started calling me. I have been logging all calls that I receive them. They never leave a voicemail and they never call from the same number. My lawyer explained that they are harassing me and explained my rights when it comes to harassment. They are now pursuing legal action against Allied Interstate for abusing the FDCPA.

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 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have issue with bill they sending me to pay, i open {$300.00} prepay card in XX/XX/2014with citi bank and them after while i told them to close the account, use my prepay card to cover XXXX that was pending.however they didn't fix and my name is on file now and they still sending me a bill.

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 2018-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My student loans went into repayment XX/XX/XXXX with XXXX   servicer Nelnet. Ever since I have received informational emails from them alerting me to the fact that my payment due date is approaching. These emails should be helpful, but they are not simply because they are frequently inaccurate both with regard to the due date as well as with regard to the payment amount. Often, the payment amount required is higher than what was quoted in the informational email. This makes it terribly difficult to correctly budget my still limited income. A few examples are as noted below. Note for CFPB. I have original copies of all communication available for your review should you want them. For simplicity, I am quoting the notes. Example 1 Email received XX/XX/XXXX, with email ID XXXX " This is a reminder that your student loan payment is due tomorrow, XX/XX/XXXX, in the amount of {$57.00} '' The actual due date was XX/XX/XXXXExample 2 Email received XX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX  Due Date : XX/XX/XXXX Amount Due : {$96.00} '' The actual payment amount due was {$290.00} Example 3 Email receivedXX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX Due Date : XX/XX/XXXX Amount Due : {$130.00} '' Upon logging into the Nelnet website, I see that the due date is actually XX/XX/XXXX and the amount due is not {$130.00}, but {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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: NY

Complaint narrative:
There is a company called XXXX XXXX. I have reached out to the bank and they verified that I have not made any late payments or settled for anything that experian should be reporting under a negative area that should be keeping me in a negative area and effecting my life. Experian is guilty and has a history of being difficult and dishonest

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 2018-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I first contacted Coinbase/XXXX, which are two affiliated exchanges, on XX/XX/XXXX to ask that they provide access to my XXXX   account. Among other reasons, I need access to my XXXX  account to obtain my virtual currency transaction history that is necessary to complete my tax return. After numerous emails and phone calls with Coinbase/XXXX throughout XX/XX/XXXX and XX/XX/XXXX ( emails attached ), they have still failed to resolve this issue and still have not restored account access. Instead, they have sent me multiple irrelevant boilerplate emails regarding declining to give tax advice ( which I never asked for and has nothing to do with my issue ). At one point, they informed me in anXX/XX/XXXX phone call that they had wrongly cancelled my support request without informing me and for no given reason. They have also stated by phone that their phone support staff are unwilling to communicate with the technical staff members who can fix this issue.

I have informed Coinbase/XXXX multiple times in my emails and by phone that restoring account access was time sensitive so that I could complete my tax return. Despite this and despite the numerous communications I have had with them, they took no steps to resolve this issue and I have been forced to file a tax extension with the IRS. Because this issue is still unresolved, I may be unable to file a complete and accurate tax return even after this extension due to Coinbase/XXXX 's actions. I believe that Coinbase/XXXX 's actions constitute obstruction of tax compliance, a federal crime, and their actions are putting me at risk of facing tax penalties or other IRS action that is solely because of Coinbase/XXXX  's knowing failure to address this issue. I am requesting assistance dealing with Coinbase/XXXX so that they will resolve this issue immediately and restore access to my account so that I can obtain this transaction information necessary to meet tax requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Berman & Rabin, P.A.
State: KS

Complaint narrative:
I purchased a storage shed from XXXX XXXX XXXX in XXXX   Ks. I gave a {$200.00} deposit and {$160.00} which was the first months rent. I have had nothing but trouble with the creditor from day one. They have purposely tried over and over to inform me that I'm behind and they are coming to repo the shed. I have attached a copy of a letter from one of the multiple attorneys that XXXX XXXX XXXX   has had contact me. XXXX XXXX XXXX is the creditor for the shed. I have always paid the payments online well when I went on to the website to make my payment it told me that my account is invalid? So after numerous attempts to contact XXXX XXXX XXXX I finally was informed that I was several months behind and accumulated late fees. They changed my entire account numbers everything. And in the contract it states that NO changes are to be made without both parties hand written signatures. I will also attach emails from the company as well as a letter I received from Berman and Rabin PA stating that I have until XX/XX/XXXX to pay {$520.00} and then I can continue to pay my payments as if it never happened? It shows on the letter from Berman and Rabin PA that my contract began XX/XX/2015 it's a 3 year contract so that would mean pay the {$520.00} and there should only be 7 payments remaining. I tried to take care of the situation on my end only to be told that I would have to contact the office of Berman and Rabin PA but the letter from Berman and Rabin PA states that I need to get ahold of the creditor. Which is it? P.S they don't have any of the dates correct. XXXX XXXX XXXX  also informed me that Berman and Rabin PA would be contacting me on Thursday XX/XX/XXXXthey never did. And XXXX XXXX XXXX has locked out my online payment portal. So they have not even allowed me to speak with someone nor if I was to make a payment then HOW!?!?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2018 I requested my free annual credit report from all three companies. I have some disputes about separate issues on two of the three accounts. When I tried to view my third account ( equifax ) the site refused to allow me entrance after verifying my identity. When I tried to re-enter all identity questions and was finished the site told me that I already viewed my account. I would like to view my account please?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15 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: AL

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

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 2018-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
End of XX/XX/2017 had reservation for XXXX Georgia XXXX. 
Prepaid through XXXX on my dads card for two nights Hotels was nasty - Drug dealer out front, not AC, old, smelly with Intense ... Bed sagged, we never stayed. Triggered my XXXX, attendant told me all rooms and lobby smelled same. I think they were a welfare hotel but the sleazy XXXX looking girl in lobby. Attendant even left premises to get girlfriend, causing us to wait 30+ minutes to inform him we are not staying They took my debit card to use for incidentals ... no authorization to charge, Charged me {$58.00} plus for one night, never stayed there though - stayed at XXXX last minute. 

Fought all I could, and have attachments. 
Called XXXX corporate, the hotel itself, Bank of America. No signature to charge for room. Proof I never stayed there. and proof we paid through XXXX. PLUS - the hotel shows they refunded some card that is not even ours. 

Colossal waste of time. And the fees the imposed? Completely wrecked my business trip financially, ran out of money before it ended. Never seen such a low class run, disgustingly dirty smelly hotel. Have traveled the world ... and this was bad. XXXX did nothing to help, XXXX said they had no power and took down complaint. Bank of America said I was late in replying to a letter sent over XXXX and XXXX XXXX. Dates are all there. See 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 monetary relief
Consumer complaint received 2018-04-15 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: AL

Complaint narrative:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

I gave XXXX  permission to run my credit XX/XX/XXXX not 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 2018-04-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint is based on the handling of this account by Equifax. I previous disputed the account that is being reported by XXXX XXXX   with both Equifax and XXXX. I requested information be removed based upon inaccurate information being reported such as one agency reporting as individual and open, the other reporting as joint and closed etc. Instead of removal, both companies reached out to XXXX XXXX to have them update their records. As you can see with the attachments, they are both still reporting different information. One is reporting open and other other is reporting closed. After this dispute, I realized that this account had been removed from Equifax previously. Therefore, I mailed a dispute to Equifax onXX/XX/XXXX via certified mail by the US postal service asking again for this account to be removed based upon this item being reinserted without notifying me. The dispute was delivered to Equifax onXX/XX/XXXX as shown in the attachment. On XX/XX/XXXX, I contacted Equifax just to get a status. Upon explaining my dispute, the representative I spoke with placed me on hold and informed me that it was being deleted and that I would receive an email. She provided confirmation number XXXX. I waited some time and then called back due to not receiving the email that I was advised that I would receive. Upon speaking with the rep, she advised me that they never received my dispute and that a dispute was opened on XX/XX/XXXX. My call on XX/XX/XXXX was for a status only. I am requesting immediate removal of this XXXX XXXX account from my Equifax report. This item is expected to be removed in XX/XX/XXXX I was informed, however I am asking for it to be removed at this time. I have attached a copy of the certified mail receipt, as well as the confirmation of delivery. I hope to hear from you soon. Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I recently signed up for a Chase Sapphire Preferred credit card. The promotional offer on Chase 's own website said you receive XXXX   bonus miles by spending {$4000.00} within the first three months and that the annual fee of {$95.00} would be waived in the first year. However, about a month after I opened my account, I was charged the annual fee of {$95.00}. When I called, they said it was because only one offer was applied and not all offers are available at the same time. I find their advertising false and misleading, because it does not state that only one of the offers will be applied. They refused to waive the {$95.00} fee, even though that is what was advertised to me when I applied for the card ( and what is still advertised now ). The website needs to reflect the actual promotional offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account on Coinbase ( cryptocurrency ). I have made prior purchases/transactions for bitcoin and ethereum with Coinbase. I have already sold one of my bitcoins however a 2nd bitcoin I purchased in XX/XX/XXXX is not available for my use/sale at this time. I had received an update this past year regarding concerns of identify/online thefts of cryptocurrency  and I moved my 2nd bitcoin into a vault that required 2 factor email verification. Unfortunately I left the job that the 2nd email was associated with later this past year and no longer have access to that email account. I have emailed Coinbase since XX/XX/XXXX multiple times including this past month on XX/XX/XXXXrequesting they move my remaining XXXX  bitcoin from my vault to my wallet. They assured me they have the capability to move my cryptocurrency  from my vault to my wallet and have emailed me multiples times stating my request has been escalated to their specialists/tech department however its now been almost 4+ months without resolution and my XXXX  bitcoin is still in my vault without access. I have requested multiple times by email that they move the remaining cryptocurrency to my wallet without response and they are no longer answering my follow-up emails ( last one dated XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received two letters where creditors closed my account due to adverse action. I checked my credit report and found that Equifax place a bankruptcy on my report as of XX/XX/2018 and I have not file bankruptcy. This agency has caused two creditors to close accounts. The question is why they placed that on my report and have they verified that with the bankruptcy court. Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc.

Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX   *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.

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 2018-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a used auto loan with capital one for my XXXX XXXX XXXX. The vehicle was totaled on XX/XX/2017 and I immediately reached out to Capital One to advise them of the loss. I verified with them that I had purchased GAP coverage for my loan. I spent the next FOUR MONTHS going back and forth between Capital One and XXXX XXXX XXXX AKA XXXX regarding my gap claim. Capital One kept telling me that XXXX XXXX XXXX were the problem and that I needed to continue to contact them to get my claim entered and paid. They threatened to report my balance to the credit agencies since I owed approximately 1,200 after the other driver 's insurance paid for my vehicle. I purchased the gap coverage through Capital One when I initiated my loan yet they acted like their 3rd party choice of insurers had nothing to do with them. I FINALLY got XXXX to process my claim but recently discovered that they only paid approximately half of what was due. I still have a 600-something balance on my auto loan and now Capital One is reporting it as past due on my credit report.

Company response to consumer: Closed with non-monetary relief