vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
XXXX/XXXX/XXXX I opened my Coinbase account and bought {$1000.00} of XXXX and {$1000.00} of Ethereum with money transferred from my XXXX XXXX XXXX account online. 

The XXXX was n't available to trade for well over 2 weeks, and of course with several attempts to inquire ... no one was available to answer me. 

XXXX XXXX, XXXX I tried to sell my bitcoin at a posted price of {$19000.00} but their system was down. There was nothing I could do but watch my money disappear as the value steadily dropped. I tried several times to log in but the system was down all day. Now it says my account is locked. I ca n't get into my account and access my money and I have tried to call them hundreds of times. I found phone numbers off of the local phone listings, their own customer service number, their main switchboard, as well as dialing random extensions within the company. I sent emails to their support email, contacted them through their customer support twitter, I sent messages to many people at Coinbase through their linked in accounts. Nobody, and I mean NOBODY is responding to address the issue. And I know there are XXXX 's in the same boat. 

They are an exchange built to process transactions but their system is not able to handle it and they are unwilling to address the issues while locking people out of their money and not accountable. They should be fined if not banned. Lawyers, regulators, and politicians should be all over them. They are VERY DANGEROUS and a SIGNIFICANT LIABILITY! If XXXX XXXX randomly didnt let people access their accounts for weeks and didnt answer ANY customers.there would be a national uproar. This is on that scale!! How many people are involved and how much money is involved in bitcoin and through Coinbase??? This is massive and must be addressed immediately! 

And out of all the calls made and people contacted on various platforms, NO ONE answered or returned my calls/messages. 

Please : 1 ) Read comments on @ Coinbase and @ Coinbasesupport on XXXX XXXX ) Read comments on Coinbase and Coinbase Support on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Tuesday, XXXX XXXX, XXXX I received a direct deposit of {$280.00} to my checking account. For 6 weeks prior to the XXXX, XXXX XXXX deposit the amount was sent to the active checking account without incident. For some reason the XXXX, XXXX deposit was made into a closed checking account whereby Chase bank then proceeded to first, return the deposit and second, close the account. 

I had no idea what had taken place and only discovered this action by Chase only AFTER I incurred overdraft fees on the open checking account. I contacted Chase about the matter and they stated the error stemmed from the sender of the direct deposit and that they returned the funds on XXXX, XXXX XXXX. This was not the case as the {$280.00} was sent back on XXXX, XXXX and the sender had no record of the money being delivered back to them. 

Chase waived the overdraft fees incurred during that period. I checked back with the sender and up to XXXX XXXX they had n't received the money. Despite this fact Chase ONCE AGAIN issued overdraft fees on my checking account totaling {$64.00} on XXXX XXXX, XXXX. 

I think it is OUTRAGEOUS that Chase is charging me overdraft fees on an account where their actions are the direct cause for there being insufficient funds. When I contacted Chase about removing the {$64.00} in overdraft fees they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08 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: AL

Complaint narrative:
I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XX/XX/XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: AL

Complaint narrative:
I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I 'm a victim of identity theft and I sent a letter containing all information about the identity theft that I reported to FTC and to my local police department ( case # XXXX ). Equifax is supposed to block/remove all fraudulent items in my report as directed by section 605B of the Fair Credit Reporting Act but they refused to do so after contacting them by mail and by phone. They are directly in violation of the FCRA 605C and also Privacy act of 1974 that we do n't have a contractual agreement that they can hoard my personal information and pass them around to the fraudulent creditors and ask them to investigate. Their misleading practice has been harmful to me psychologically and financially. They are also in violation of Fair Credit Reporting Act that they verify information through physical verification of the original signed consumer contract with my wet ink signature and always asked the fraudulent creditors to verify for them. Anyone paying for their service can report anything without Equifax verifying the information. I am requesting that they follow the law and remove the fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: TX

Complaint narrative:
I have contacted Transunion LLC 2 times ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) letting them know that some of the names they purport to belong to me does not belong me. I also attached my drivers licence showing the correct name but the same wrong names continue to apprear in my credit report the company sent to me on XXXX/XXXX/XXXX. 
The report also shows some telephone numbers which i have told Transunion LLC twice that they do not belong to me but they have refused to correct them.

I have also requested twice for Transunion LLC to remove accounts which they purport to be adverse as it has been more than 7 years since the inial default as per FCRA but they have either refused to remove them or do any investigation.

I also requested for information to show why Transunion LLC is linking me with wrong names and phone numbers but they have either refused or dont have them because they have not carried any investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We received a charge from a rental car company, XXXX, for approx. {$150.00} of damage on the car. When we checked out the car, we showed the attendant all the scratches and marks on the car and even took pictures. Even though the car was covered in marks, the attendant did not add anything to the car check-out form. We asked why not, and the attendant said these marks are normal. When we turned the car in, we were charged for a scratch, even though that was part of our original picture set. We asked the credit card company, Chase to resolve. They delegated this claim to two agents in XXXX, XXXX. When they called to get input on XXXX/XXXX/XXXX, we discovered, they had already closed the claim on XXXX/XXXX/XXXX and did n't want our input, despite submitting many pages of documentation. We further pursued this with the XXXX, Ohio office of Chase, but they provided a mailing address to send a letter and the agent read a script, responding like a robot. Chase failed to help us. They said they would re bill the {$150.00} despite all the documentation showing that the damage was already part of the car when we rented. It seems they are happy to delegate these decisions to overseas agents who have no interest in seeking input from their customers. We are now contemplating cancelling our Chase cards and using social media to spread the negative experience we had. It is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
My mortgage company paid my property taxes and my home owners insurance even though I do not have an escrow account through them. Meanwhile i paid my property taxes and home owners insurance too. Now my mortgage company will not accept my mortgage payments unless I pay them back for the taxes and home owners insurance. I have not received a refund for any overpayment from taxes. I am not nor have I ever been late on my property taxes. This amounts to {$4900.00} and if I do n't pay this amount I will be in default and may lose my home. I have called and discussed this with customer service who admit they do n't understand how this happened. They told me to go ahead and make my regular payments and if and when I receive refund for taxes to send it to them. They then transfer me to payments who will not accept my payments for anything less than {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Dealer Services has been calling me nonstop over my car payment being past due from phone number XXXX. I have received 17 calls this week harassing me for payment of {$300.00}. I called two weeks ago and disclosed that I would be late on my next payment and the woman over the phone told me theres nothing that she could do, even though I told her I was making the last of my medical bills payments. 

On Monday XXXX XXXX, Wells Fargo dealer services called me four times, at XXXX, XXXX, XXXX, and at XXXX. 

On Tuesday, XXXX XXXX, Wells Fargo dealer services called me three times, at XXXX, XXXX, and XXXX. 

On Wednesday, XXXX XXXX, Wells Fargo dealer services called me five times, at XXXX, XXXX, XXXX, XXXX, and at XXXX. 

On Thursday, XXXX XXXX, Wells Fargo dealer services called me twice at XXXX and XXXX. 

I spoke to a woman named XXXX or XXXX today ( XXXX, XXXX XXXX ) from Wells Fargo dealer services and she kept harassing me for payment even though I told her to stop calling me. I was called three times today, at XXXX, XXXX and XXXX. She has continued her calls and I finally had to hang up since she wasnt listening. The constant phone calls and harassment need to stop. 

After all of this harassment and after my disclosure that I wouldnt be able to make my payment until the XXXX, they already reported me late to the credit bureaus. I will be submitting a formal dispute of my late payment through XXXX, XXXX and XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
i opened this card with cap one in XXXX with a offer mail to me for 0 % interest till XXXX XXXX, as i am trying to re build my credit after my ex trashed it i thought this was a good idea. as of today i have a XXXX balance, i was mailed another offer a few weeks ago for another card for 0 % for 8 months so i applied for that thinking i can move my balance to that card and give me longer to pay on my balance on the account, all my payments have been made on time and in full non have been missed. after i applied, i was told i cant pay one card off with another card from the same company and the offer does not say that, in the mean time i closed the open card with the balance and it tanked my account 85 point on my credit because the offer was misleading and deceptive to get people to apply for this card, i had called multiple times in XXXX and prior to XXXX/XXXX/XXXX to obtain what my new rate was after the promotion and no one could tell me nor could they offer me another promotion until after this one ended on XXXX/XXXX/XXXX. today i get my statement with a late fee for XXXX because my payment that was made on XXXX/XXXX/XXXX which is my due date did not credit cap ones system until XXXX/XXXX/XXXX the same thing as last month and they had no issue waiving it then since i made it the day it was due but the system had not applied it till the next day. its not like i paid 5-8 days later it was the due date. today the rep i got refused to escalate my cal said his manager only deals with administrative issues and not customer calls, its so ridiculous that they charge this after one day, every other bank has a 5-10 day grace period and they wont budge on one day, he refused to remove my fee and said my rate is what it is and i knew about it when i got the card in XXXX, no my rate was 0 and now its 23.99 % i have NEVER IN MY LIFE paid more than 6 % and had i been told about that rate then i would never have applied for that card. i feel since i was a woman and white i am being discriminated against by the rep i spoke to today his name was XXXX id number XXXX, he would n't give me the reps name i spoke to prior to the transfer only her id number XXXX. i do not think should have to pay this insane rate on my account nor should i have the late fee on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I am repaying a loan from navient that i didnt get .They say i did but i have never been to a university, or college. They say this was back in 1983 I dont know the name of the school that i was supposed to of went to.Anyway they put me on payment plans they said in 5 years it would be forgiven but now they say it will be forgiven in 25 years.Why should i keep going threw this hassle when i didnt go to this school. I called them and ask them what school i went to and they couldnt tell me. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC
State: MD

Complaint narrative:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have been named successor to my mothers late husbands estate. I also hold durable power of attorney for my mother. I have attempted to communicate with OCWEN on numerous occasions, to no avail. I am curious to know why, XXXX XXXX, who was a whistleblower VS. XXXX XXXX XXXX XXXX XXXX His name was FORGED, on a document that is associated with my mothers paperwork. XXXX XXXX name was authenticated by his attorney XXXX XXXX, thru a sworn affidavit. 
I also am curious to know why my mother was approved for a principal reduction of XXXX XXXX dollars, with a 2 % interest rate, in a letter from OCWEN, on their site, that was never sent to us? Is it maybe due to the cease and desist in Massachusetts? 
I would appreciate an answer from Ocwen, since they seem to believe they do not owe me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diversified Recovery Services Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 Diversified Reecovery took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.

Company response to consumer: Untimely response