vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Dear agent, I 'm writing to complain a issue with Coinbase.Inc ( https : //www.coinbase.com ).

I made multiple purchase of Bitcoin through coinbase on XX/XX/XXXX. And there 's one transaction there of the amount {$300.00} did went through, but they gave me the correctly amount of Bitcoin to my Coinbase account. I think that was due to my bank 's fraud protection ( they see multiple buys in a short time as a suspicious activity ). So my bank charged the {$300.00} back. Coinbase realized this issue and lock downed my account ( with still more than {$2000.00} dollar USD in their XXXX account ), and I can not buy/sell or access my XXXX account after that. I called my bank tell my bank to accept any charge from Coinbase, and opened a support ticket on coinbase, stating that it was an issue with my bank and I do want to pay them!!! As for now, 1 month has passed, the issue has still not been resolved. I do n't see charges on my bank account, and I can not access my coinbase account and the fund in coinbase. It feels like they are taking my fund as a hostage. I do like to pay the amount I own them, but they are not doing anything to fix that. I tried to call them twice a week and get the boxed reply everytime, I even asked do I need to provide any additional payment method, they said no. I just have to wait and they keep my account locked and my fund in there. I think this can really be called fraud now. Please help! 
My coinbase account email is : XXXX The support ticket is : XXXX XXXX XXXX XXXX Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
National Credit Adjusters purchased an account from XXXX XXXX in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

XXXX XXXX was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with XXXX XXXX I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debit from me. I get it, I owe them money. My complaint is how they are attempting to collect. They are calling my family and providing information on accounts that are not listed on. Today XXXX XXXX from XXXX XXXX XXXX called my wife while she was at work and began providing information about my account without verification. XXXX XXXX provided the bank 's name, the account name that was delinquent, the amount of debit, and how many payments the account is behind to my wife. My wife and I keep our accounts separated and my wife was not aware of any of the information provided. 

This is the second time that XXXX XXXX XXXX has called my wife at work and my wife has already told XXXX XXXX XXXX to delete her work phone number from their system. It was my understanding that creditors can call family but can have their numbers removed especially if that number is a work number and the employer does not approve of such calls. 

I am concerned that they will be calling additional family members and providing similar information.

Company response to consumer: Closed with non-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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after XXXX let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after XXXX let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.

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 non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
I filed an dispute with XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-2017. Advised, XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from 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 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Platinum credit card with an initial credit line of {$7500.00}. 
I made charges of {$7500.00}. 
I set up through Wells Fargo 's mobile app a linked checking account from XXXX XXXX XXXX. 
I got my bill, and set payment of {$1500.00}. My XXXX checking account was debited {$1500.00}. 
A couple of days later I went to use the card, and was told I was at my credit limit. 
I called Wells Fargo, they said they were holding the funds before crediting the account. They held the funds for over a week before crediting the account, even though on my Wells app it showed I had {$1500.00} of credit capacity. The Wells rep stated if I had a Wells Fargo checking account the credit would have occurred immediately after the ACH hit. But since I was not with Wells, the funds from the ACH were being held, and not credited. 
The representative was strongly suggesting I now open a Wells account so I would not be penalized with having my funds held. 
I told them, no, thank you, I have never heard of this sort of practice and I would pay off the account and close it. 
I went to the app to pay off the remaining {$6500.00}. I entered the amount, selected my XXXX checking account as the funding source. The app told me they could not process the transaction. 
I called Wells, and was told they will only process {$5000.00} in payments, and I could not pay off the account from the Wells Fargo app. 
I asked if they could do it over the phone, and they said this one time they would do it. 
I closed the account. 
Not allowing someone to pay off a balance, unheard of, and think of what it could lead to : Increased interest, as it is calculated daily, increased fees, if you are not allowed to pay your balance off, etc. etc. Wells Fargo has been a bad actor for some time, and they are back at it and this time, given what just happened, the penalties need to be far more serious. They have not learned from the errors of their ways, and should be severely punished.

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 non-monetary relief
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: OR

Complaint narrative:
Coinbase, Inc ( www.coinbase.com, XXXX ) clearly states that the incoming wire transfer takes 2-3 business days to get credited. After 4 business days, contacted Coinbase support but no help from Coinbase. Today marks the 8th day and the wire transfer amount has not been credited to my account yet. Tried to contact the support by email, and XXXX but no response at all. Here is the timeline : *Amount Transferred : $ XXXX *Date Initiated : XX/XX/XXXX* *Date Completed Wire Transfer from XXXX XXXX : XX/XX/XXXX* *Name of Sending Bank : XXXX XXXX XXXX XXXX XXXX *Personal Name : XXXX XXXX *XXXX Number : XXXX *Case Opened : XX/XX/XXXX* *Coinbase Case Number : XXXX Waiting to get helped in this matter. Never ever going to use coinbase again. This has been a shear frustration!!

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL alleged debt amount : XXXX This company refuses to acknowledge my request by certified mail letters of validation with contract signed by me and proof of their license. I have sent letters twice and have n't received anything other than updated alleged debt on my credit report.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I called Nationstar today to follow-up with the modification application I applied for XXXX XXXX, XXXX. In speaking with the representative, I learned that my property had a sale date for today, XXXX XXXX, XXXX. This was surprising news to me because I never received a notice in the mail or by certified mail of this action. The representative emailed me a supposed notice from XXXX XXXX, XXXX about the property 's sale ; however, the alleged notice of sale she emailed to me did not have my mailing address or my property address on it ; nor did it have a sale date. Besides, when I spoke to the Nationstar representative after my modification denial letter on XXXX XXXX, XXXX he told me my mortgage account would be on hold 30 days after this denial letter ; and then another 30 days for the published public notice. 

I need clarity on how my property was up for sale without me being notified and without proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GREAT WESTERN BANCORP, INC.
State: OH

Complaint narrative:
Unfair, Deceptive, Abusive acts and practices against me and my ex husband by XXXX XXXX XXXX and XXXX XXXX XXXX regarding a foreclosure action against me in 2014 and subsequent reinstatement of the mortgage without my ex husbands consent replacing the reinstatement in his name without his express knowledge/authorization of this act. ( letter admitting GWB and XXXX XXXX XXXX  reinstated the loan without my ex husbands consent in addition to receiving {$20000.00} in Save the Dream grant funds enclosed ). 

I have file numerous complaints against both parties noted above to no avail. They continue to deny they " reinstated the loan '' although the letter from their law firm clearly indicates they did so. They erred and placed the loan solely in my ex husbands name causing him credit issues although I have contacted them numerous time to correct this issue they continue to refuse. 

This has caused tremendous financial hardship for myself and my ex husband. GWB has refused to place the loan in my name and remove my ex husband from the loan although they clearly admit they reinstated the loan without his consent after accepting the grant funds to cover over {$28000.00} in legal costs which are also excessive and abusive. 

I am attaching the letter from GWB/XXXX XXXX XXXX proving they indeed reinstated the mortgage and kept it in my ex husbands name without his knowledge.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Bank is reflecting on my credit report. This account has not be properly verified according to law. Also this account has been on my credit report more than seven years. And it is still reflecting on my credit report. The original first delinquency showed XXXX XXXX and now shows XXXX XXXX. Which is fraud to try and keep this on my credit report. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this card. And they are still allowed to have this on my credit report. That is AGAINST THE LAW!

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 non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I was advised by the Attorney Generals Office to file a complaint due to jurisdiction regulation of the matter. This matter involves an Auto Loan that is being reported by a company named XXXX XXXX. The information suddenly appeared on my credit report last year. I immediately filed a fraud dispute with all three credit reporting agencies. The initial date it reports on my file is as open is XX/XX/XXXX and a last payment made XX/XX/XXXX. This in itself is contradictory. It shows a balance owed of {$6800.00}. They are reporting 8 late payments for a period of 90 days. To no avail the information yet remains on my credit file. I am unaware of any loan being initiated with this company. I ask that this matter please be investigated for accuracy.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I have a used 6 year auto loan ( account no. XXXX XXXX with Santander Consumer USA that I have made 34 consecutive monthly payments of {$250.00} on through XXXX/XXXX/XXXX. I purchased the car, a XXXX XXXX XXXX XXXX with XXXX miles, from XXXX XXXX in XXXX, MA and Santander Consumer USA was the only lender XXXX said would give me a loan. I was told by XXXX XXXX that this was because I had a poor credit score at the time of my application. The interest rate Santander was willing to finance my loan at was 19.07 %. Although, I believed this rate of interest was exhorbitant, unfair and a higher finance rate than I could afford, I agreed to accept the loan offer from Santander because I desperately needed a car to get to and from work. Furthermore, I only wanted to finance the car over 4 years because the car already had XXXX miles on it as I mentioned earlier. However, because the financing rate offered to me by Santander was so high I was forced to finance the car over a 6 year term to make the payments somewhat affordable. 

The car is no longer drivable due to a blown engine when the car overheated on XXXX XXXX and the car had in excess of XXXX miles on it. My mechanic at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, MA told me the cost to repair the car far exceeded the current value of the car. My insurance company XXXX XXXX told me that the damage to the car was not covered because it was a result of mechanical failure, not an accident. 

My original loan on the car was for {$10000.00} and I still owe about {$7400.00} as of XXXX XXXX. The car is still registered with minimum insurance on it with plates. I called Santander in late XXXX of last year and tried to negotiate a lower interest rate with them and they refused. I asked if they would accept a lump sum payment in the {$3000.00} range as payment in full on the loan and they refused. They kept saying I signed a contract and if I did n't continue to pay the loan according to the original loan terms they would send my loan to collections. I can not afford to continue to pay {$250.00} per month on my loan plus insurance and registration and excise tax fees for a car I can not drive. I have a permanent XXXX and I receive XXXX XXXX  XXXX XXXX ( XXXX ) as my primary source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
urchased a XXXX XXXX XXXX from XXXX XXXX with my auto loan going through their loan company XXXX AKA XXXX XXXX. On XXXX XXXX XXXX my neighbor hit my car while it was parked in our driveway. A claim was filled with her insurance company. 2 days after the car was hit the transmission started to slip. The next day it completely stop running. XXXX ( neighbors insurance carrier )  refused to cover the transmission damage if I could not find a mechanic who could verify that the transmission issue are due to the accident. I though this would be common sense since I 've had no issues with my car until it was hit. I brought the car to my dealership since they did the maintenance services and could verify that there had been no previous issues with the car and that that accident caused the transmission problems. They were not able to prove that the issues was due to the accident. A check was issued for the body damages in the amount of {$2000.00}. It was issued in both mine and the lien holder name. I voluntarily surrendered the car back to the lien holder as I did n't not have the money to fix the transmission. they wanted to take the insurance payment and apply it to my balance but I have refused to sign the check because I am still with out a car to drive. In XXXX XXXX sent me a letter advising that they had sold the car at an auction for {$300.00}. they continye to contact me asking me to sign over the check to them but I refused. The check eventually expired. On XXXX XXXX XXXX I received an email from XXXX stating that the check had been reissued. I called in and was told that XXXX requested that the check be reissued. The XXXX rep advised me that the request was originally denied until they could submit proof that they still owned the vehicle. Per XXXX XXXX sent them a title as proof. I called XXXX and spoke with XXXX who is the general manger and asked how they have a title if they sold the vehicle. XXXX stated that he did not know anything about the situation and that he would look into it and call me back. I never got a call back. I called and spoke with a XXXX who hung up in my face after I refused to get off the phone until she told me who XXXX supervisor was. I called back and spoke with a XXXX who told me they did n't have to provide me any information. I called back and left a voice mail on XXXX phone asking for proof of sell. I still have not received a response. Either they sent a invalid title to XXXX trying to collect the insurance money or they never sold my car. I can not get anyone there to talk to me.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX balance {$920.00}

Company response to consumer: Closed with explanation