vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sent a wire transfer to Coinbase, Inc to deposit funds into my account. It 's now been over a 12 ( work ) days and the funds still have not been credited to my XXXX account. The transfer should have taken a day, as indicated on their web site. I tried to contact them several times but no response ( except their automated emails ). My Case number is # XXXX.I also checked the wire transfer with their bank ( XXXX XXXX XXXX ) which confirmed me they received the money on XX/XX/XXXX. 
Here 's some info about the wire transfer : Date : XX/XX/XXXX Amount : { {$2000.00} } IMAD : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
These charges are charges made from over charges to the insurance company. I was told I was not responsible for them. These was XXXX XXXX XXXX XXXX XXXX. How can they put things on your credit thats not fair and untrue and get away with it. So any company can just put what they want on our credit report and get away it. May God take control of the companies that uses people for their own good. Avante 3 entry. XXXX XXXX  5 entry. XXXX/XXXX. XXXX XXXX XXXX put {$20.00} to start a savings account and never went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX Ombudsman Case XXXX states : my Navient account is in deferment until XX/XX/XXXX. Two loans in my account were put into repayment status since this without my permission/consent. Navient has again ballooned principal balances on my most expensive loan and another loan in a fraudulent, criminal manner. It continues to mail documents it will not include on its website as documents we 've sent to you. It will not include on its website any documents I 've sent to it. A Navient Advocate writes in email it will get back to me after a different mailing from XX/XX/XXXX and did not get back to me. I have requested only written communications with the office of the advocate. Written email communication is not made available to me by the office of the advocate. Navient is continuing to create XXXX XXXX and hardship to my by refusing to service my loans according to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am XXXX XXXX with a XXXX XXXX XXXX XXXX called XXXX XXXX by XXXX XXXX XXXX. I have no savings accounts, no real property, and no other assets. Unable to work, I am barely making ends meet. 

I contacted Navient regarding my private student loan and explained my situation. They said I had to continue to make the payments in full. When I was unable to make the payments, Navient began calling me constantly. For months, Navient repeatedly called me every day starting at about XXXX XXXX. Navient called me as many as five times per day, sometimes placing three calls within five minutes of each other. I estimate that Navient called me more than 200 times over a four month period in 2017. D
uring the summer of 2017, I explicitly demanded during a call with a Navient representative that Navient stop contacting me effective immediately. Navient should have stopped contacting me following this conversation. Yet, Navient gave me just one day of reprieve before it resumed its abusive practices.

I have since had to contact an attorney to get Navient to stop its constant and relentless harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I tried to reapply for Income Driven loan repayment program, but keep being given false information and have had my interest rates rise over the last five years to unpayable amounts. The company is asking that I make payments of {$1300.00} USD per month even though I only make between {$45000.00} next after taxes each year. My original loan provider was also XXXX XXXX and Navient does not even have all of my information about my previous loans. My current loan balance is over {$130000.00} and has not been chipped down at all, even though I made over {$10000.00} in payments for the XX/XX/XXXX annual year. On Monday, XX/XX/XXXX, I made a call to complain about repayment terms not reflecting the income driven repayment plan and was told that I had to reapply again through the federal website ; even though I had spoken with a manager at Navient in XX/XX/XXXX who said everything had been taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
We were approved for a trial plan last year with Ditech. our 1st trial plan payment of {$640.00} was due XX/XX/XXXX. when we called on XX/XX/XXXXto make the 1st payment we were told by Ditech they would not accept the 1st payment because our loan had been sold to XXXX XXXX We then called XXXX XXXX to make the payment and we were told by them they could not accept our 1st payment because the loan was still being transferred. we received a letter from XXXX stating the transfer was completed on XX/XX/XXXX, I called again to make my 1st trial payment and again they would not accept my payment because it was not the full amount. I explained to XXXX we were approved for a trial plan. From my understand when a loan is transferred all terms of the loan are transferred as well. XXXX should have honored the trial plan I was approved for. XXXX ID # XXXX is who I spoke with from XXXX XXXX would not accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: WI

Complaint narrative:
I took out a line of credit with preffered credit ive been trying to work with XXXX XXXX the lead supervisor and I want to get a lower interest rate or a credit to be applied to my acc to reduce interest she has not replied to my phone calls XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX XXXX I sent a SEPA transfer of EUR XXXX to this company. 

On their web site under my account, they specified I should have it by XXXX XXXX XXXX. 
They said it should only take 1-3 days. 

Today, XXXX XXXX XXXX, is it still showing as " Pending '' and I can not access my money. 

At the time my money should have been available, I could have purchased Ether for around EUR XXXX each. Today it 's worth EUR XXXX each, so I have lost out on my investment due to this company. 

I made a smaller deposit prior to this one on the same day to ensure I had the correct reference number on the transfer. I received this with no problems, so the error was not on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
Today, XX/XX/18, I contacted the collection agency that recently sent me a letter regarding a collection matter that I thought was already resolved. The company is : XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Without any success in resolving this matter again, I am now contacting you for help. 

My nephew, XXXX XXXX, was involved in an accident and went to the hospital. I received a bill for his visit. I am not responsible for his medical bills, as he is XXXX XXXX XXXX and no longer lives here at home. I first contacted the company, XXXX XXXX California, who had sent the first invoice and informed them of my situation. They supposedly had made adjustments to the account and assured me that my name would be removed from the invoice as it was not my responsibility. That did not happen. I just received a collection letter from another agency with my name still attached as the responsible party fr this debt. 

I am NOT responsible for this bill! I have tried to resolve this matter every way I know possible without any success, and now need your help to resolve this. Please help me and/or advise what my next step should be to keep this matter from damaging my credit. This is completely outrageous that I have had to put so much time and effort into a matter that has nothing to do with me. My next call may have to be an attorney! Please HELP!!! 

Thank You in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wallet was stolen from my home by someone I know on XX/XX/ at XXXX XXXX He took one credit card and purchase was rejected, then he tried another and made two purchases at XXXX and XXXX for {$30.00} and {$73.00} claiming it was his girlfriend 's credit card at XXXX XXXX, dba XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone XXXX. He attempted to make another purchase for {$93.00} about 10 minutes later which was rejected and I was notified by fraud department at XXXX. I went to XXXX and they showed me the signed charge slips. I told them I had denied all charges and that it was a stolen credit card. I then went to Sheriff 's Office and filed complaint. The person who used credit card was arrested that same evening for credit card fraud. Then even though XXXX XXXX knew he used stolen credit cards to make these purchases, after being notified that XXXX would not honor their charges, XXXX XXXX pulled the rejected charge slip and charged the same transactions against my Bank of America credit card on XX/XX/ and even though I only had {$5.00} on account before I went over credit limit, Bank of America allowed the charges to go through. I would like both Bank of America and XXXX XXXX to be investigated on this matter.

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 2018-01-11 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: KS

Complaint narrative:
Issue Date : XX/XX/XXXX ( XXXX XXXX - XXXX XXXX CST ) I checked my credit score on XXXX and was shocked to see that I have 10 Hard Inquiries with my Transunion credit report because a number of those inquiries were ones I never authorized or were aware off for that matter. 
I never had business with these companies and kindly request them and their inquiries to be removed immediately on my account before my credit score is negatively impacted even more. 

Misreported Inquiries : 1. XXXX/XXXX ( XXXX XXXX XXXX ) XXXX, FLXXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX ( Bank ) XXXX, ND XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX ( XXXX XXXX ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX ( Bank ) XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 5 & 6. **TWO HARD INQUIRIES*** XXXX XXXX ( Automotive ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX and XX/XX/XXXX I called their XXXX number to speak to a representative and told them I have been a victim of their inquiry issue. I listed out the inquiries from my credit report and the representative ( XXXX ) stated he was unable to do anything with my misreported inquiries with no clear explanation why he could not. I was frustrated and disappointed with Transunion 's customer service because their customer service would not help and take care of the negative inquiries reporting to my credit report. 

Please fix and advise. I desire and request these list of inquiries to be deleted. I understand how important my credit rating is, and do not want false and misreported inquiries affecting my credit score and weighing it down to a negative impact by Transunion 's terrible customer service. 

Thank you, and I look forward to hearing from you soon.

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 2018-01-11 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: Sierra Holdings LLC
State: IL

Complaint narrative:
I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I initiated an ACH transfer with Capital One Bank to transfer money from another bank to my Capital one Bank money market account on XXXX/XXXX/XXXX. Per Capital One Employee XXXX XXXX XXXX id XXXX ), the funds were received in my Capital One account XXXX/XXXX/XXXX. Per Capital One XXXX XXXX XXXX employee id XXXX ) Capital One held the entirety of the deposit without making any of it available until XXXX/XXXX/XXXX. This is a violation of XXXX law. CFR 229.10 subpart B states : ( b ) Electronic payments ( 1 ) In general. A bank shall make funds received for deposit in an account by an electronic payment available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. 

Capital One 's website funds availability policy states : Deposits made via check drawn on another bank and ACH deposits that we initiate on your behalf will be held for 4 business days. 

In other words, Capital One 's stated policy violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
HARRASMENT CALL SUN LATE AT NIGHT EARLY IN THE MORING XXXX XXXXCONNS THIS PEOPLE ARE NUTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: TX

Complaint narrative:
XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I purchased a car from XXXX XXXX XXXX. I had full coverage and gap insurance. The car was totaled out in a wreck that was not my fault. The insurance and the gap insurance paid it in full. 
Now XXXX XXXX XXXX is reporting on my credit that I owe XXXX. I do n't owe XXXX XXXX any money. Please help me if you can about this because this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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 — Investigation took more than 30 days
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2017 I authorized a wire transfer of {$15000.00} to XXXX XXXX XXXX, located in XXXX, HI. The wire instructions I received directed the funds to an account at JP Morgan Chase Bank in XXXX OH XXXX. The money was sent from my account at XXXX XXXX in XXXX CO XXXX. My instructions showed XXXX XXXX , XXXX as the " beneficiary. '' However, JP Morgan Chase Bank deposited the funds in an account for XXXX XXXX and not for XXXX XXXX, XXXX. In fact, XXXX XXXX, XXXX does not have an account with JP Morgan Chase Bank. Nonetheless, JP Morgan Chase Bank accepted the wired funds and deposited them into an account belonging to someone else, and the funds have been withdrawn. Chase Bank should have refused and returned the transfer since the beneficiary company -- XXXX XXXX , XXXX -- and the account number belonging to XXXX XXXX did not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....

Company response to consumer: Closed with non-monetary relief