vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-15 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: FL

Complaint narrative:
I have an account with Coinbase.com for buying and selling Bitcoin. My main concern is that I initiated a wire transfer to Coinbase.com and after 9 days, my account still shows 2 messages Not Verified and Transfer Pending. I am very concerned since Coinbase states wire transfers are completed the next business day. Also, I am alarmed that this is not an isolated case after reading through their support forum.
<P/>
On the morning of Thursday  XXXX   XXXX  2017, I initiated a wire transfer in the amount of {$11000.00} from my personal checking account to my Coinbase.com account based on the explicit wire transfer instructions ( see attached ) provided by Coinbase. Coinbase support forum state wire transfers are completed by next business day. Next business day was Friday   XXXX    XXXX  2017. I opened a support case with Coinbase on  XXXX   XXXX , 2017   XXXX   ( see attached ). The only response I have received to date is Coinbase deleting any of my additional submitted cases which is very frustrating since they dont have time to process my wire transfer but can delete duplicate cases. Furthermore, the wire transfer instructions are still available which indicates to me they are not warning customers that wire transfers are an issue. At best, they are running a business with extremely poor customer service and at worse they are committing fraud in my opinion. There is no other way to contact Coinbase support to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Whenever I pay extra towards principal they seem to apply it to the future month, effectively doubling my interest. This has happened several times this year.
On XX/XX/XXXX at XXXX CT, Ditech 's Customer Rep XXXX, enrolled me in their program to automatically apply any payment that does not match my Regular Monthly Payment to principal.
<P/>
On the latest occurrence, I paid {$5000.00} towards principal on XXXX and my Regular Monthly Payment on XXXX. They deducted over {$900.00} interest from both payments, so now my Principal balance is overstated by {$960.00}. My XXXX payment is due to hit today, so that will just compound the imbalance.
<P/>
On XX/XX/XXXX at XXXX I spoke to XXXX who understood and calculated the same Principal Balance as me ( {$170000.00} ) and said it would be corrected. I called XXXX on XX/XX/XXXX at XXXX and XXXX onXX/XX/XXXX at XXXX because my online balance still has not been corrected. All they do is say that they will submit my call.
<P/>
This company is very unresponsive, not very intelligent and I 'm sure that what they 're doing is illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Credit Karma advertised a new product this year, Credit Karma Tax, as No upsells. No hidden fees. Free for everyone. Truly free from start to finish. We have absolutely no upsells or fees. Everythings included. However, when attempting to sign up, they require a phone verification step. I entered my phone number and was met with an error message We dont support this phone type. Please enter a valid mobile or landline phone number. [ Screenshot available. ] The phone number, which is the same one as on this complaint and on my account, is perfectly valid and you can call it to reach me when I am available. However, it is not from one of Credit Karmas preferred providers. In order to use their service, falsely advertised as noted above, one MUST purchase contracted phone services from one of Credit Karmas preferred providers, and pay for that.
<P/>
The page requiring this phone validation has a note that says Do n't have a phone? Contact Member Support so I did, and was told that theres no other way around it, I just have to get a phone from one of their preferred providers in order to use that system. That is an upsell, a hidden fee, and it makes sure that access to the system is NOT free for everyone.
<P/>
Customer Support wrote, We do our best to balance your security with efficiency. Im not able to bypass this security procedure. We sincerely apologize for any inconvenience. This does not account for the continued false advertising, which they should STOP.
<P/>
Imagine if I made the same advertising claims for some software I offered, but then if someone actually tried to use that " free for everyone '' offer I 'd let them know that it 's actually only available to members of  XXXX  - for security purposes, because those people have been screened to my satisfaction. The initiation fee to join that club starts at {$200000.00} plus annual dues, but once someone has paid all that s/he wo n't have to pay anything more for my software. Would you say that 's really " free for everyone? '' What Credit Karma is doing here is the SAME principle. The eligibility pool is larger, and less expensive than   XXXX   to get into, but still not cheap and definitely not free. They CAN NOT make the assumption that everyone has a paying account with one of their preferred providers, and if theyre restricting usage to only their customers that should be reflected in advertising rather than the current false statements.
<P/>
I tried making this point to the company directly, and going through BBB, but they just did n't respond, because false advertising is more profitable and not penalized.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander Consumer financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records. Santander attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the  XX/XX/XXXX  was  XX/XX/XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I 've been with N avient (   XXXX   XXXX   ) f or quite some time and for a long time, I 've been struggling with trying to get my payments lowers to an affordable montly rate. Every year, they raise my payment eventhough my financial situation remains the same. I am now paying {$280.00} under a rate reduction payment plan and I ask them time and time again to lower it. My Co-signer is my Mom who has a  XXXX  and does n't have the financial means to assist me any longer ; all payments have fallen solely on me. I can not afford these payments and it will only get worse next year because it will rise again. I need them to reconsider my payment plan and bring me back down to a payment is around {$150.00} per month or less. I should n't be going broke and basically working to pay them. I have other loans and I am drowning because of Navient. What a scam company! The operators never want to help. They just tell me to basically rely on my Mom eventhough she can not help at all. They are heartless. I ca n't even consolidate because it ' s a Private loa n smh

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: FL

Complaint narrative:
I called Transunion twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.   XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  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 2017-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
In 2012   XXXX   XXXX   began calling me about a loan I Co-Signed, I stated that I never co-signed a loan, they transferred my call and kept repeating that I did co-sign a loan and that I am responsible for it.
<P/><P/>
I did not co-sign a loan. Navient is threatening to report delinquent payments to the credit bureaus regarding a loan that is not mine. I made multple payments on a loan that is not mine in fear that they would destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have sent this company several debt validation latters. They have yet to reply back to me with specific questions I requested TRANSWORLD SYSTEM to answer.
Please see the attachment debt validation letter they have yet to reply back to answering " ALL '' questions truthfully with signed affidavit.
<P/>
I have NO contract nor have I ever had a contract with TRANSWORLD SYSTEMS INC. of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX , PA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Bank charged overdraft fees  XXXX  $ from my account.
 XXXX / XXXX /2017- XXXX  $  XXXX / XXXX /2017-  XXXX   $ I complained right away but, bank say   XXXX   XXXX   check cleared my deposit was   XXXX   XXXX  .
Also ATM machine (  XXXX  branch ) bite my debit card when I cash deposit.
I have to wait untill next day to see bank teller at the window.
I remember I had very very hard time at a moment to make chance to call and visit the branch for deposit the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX   XXXX   financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records.  XXXX  attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the   XXXX   XXXX   XXXX   XXXX  as  XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   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 2017-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is in regards to My  XXXX  Store card. I received a letter in the mail that my  XXXX  store card was closed due to non-payment of a {$35.00} balance. The card is issued by Wells Fargo Bank. I contacted the bank and spoke with account specialist   XXXX   in the collection department. I informed the representative that I did not receive a monthly bill as I always do and why did it take 3 months for the bank to notify Me of the past due amount.
<P/>
I was told that my account was switched to electronic statements and the representative told me that there is no notes in the system to indicate that the customer ( Me ) requested electronic statements. Now Wells Fargo Bank is asking me to pay late fees and interest of {$130.00} for a balance that was {$35.00}. This is very disturbing to me, I have always paid my bill faithfully and this bank wants to rob me of my hard earn dollars.
<P/>
The representative removed one late fee and I went ahead and paid the {$100.00} because I did not want this to ruin my good credit history because of a {$35.00} dispute. No company should be allowed to deceive any consumers in this way, if the consumer did not request electronic statements then no company should not be allowed to get away with doing these things.
<P/>
If Wells Fargo bank did not received my payment of {$35.00} and I have always paid on time, perhaps a letter and a phone call would 've been more appropriate to send immediately to the consumer but no they did not do anything until interest and late fees racked up. This is shameful and bad business practice on their part and I would truly appreciate if you could look into this matter further. Thank you for your time.
<P/>
Sincerely

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 2017-07-15 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and   XXXX    have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My husband had filed for bankruptcy back in XXXX of 2011. His bankruptcy was discharged in XXXX of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the XXXX XXXX credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to XXXX XXXX XXXX  personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around XXXX dollars and was forgiven due to my husband filing for Chapter XXXX bankruptcy. Can you please have the XXXX credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.

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 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
these are NOT my debts -- -- They are NOT collectible by me. Please DELETE from by Credit reports. case # XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Item does NOT belong to me.
case # XXXX Same as above. Noncollectable NOT my DEBT .... Delete from credit report. XXXX on EQUIFAX - CONF # XXXX  dated XXXX XXXX, 2017 PLEASE DELETE ASAP! Thank You! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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:
I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX    XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA   XXXX    XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ   XXXX   which is also showing twice within 30 days.  XX/XX/XXXX  and  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 2017-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 've contacted   XXXX   XXXX   XXXX   for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of   XXXX   XXXX   XXXX   and TransUnion have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.

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