vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX the virtual currency Bitcoin Cash was added to Coinbase & XXXX exchange. I had a balance of XXXX $ in my XXXX account at the time Bitcoin Cash was added. The price of Bitcoin Cash quickly began to rise so I put in a market order for XXXX $ at XXXX . ( I shouldve received at least XXXX Bitcoin Cash ) But due to the skyrocketing value my market order went through at a price of {$4700.00} $! ( Netting me XXXX Bitcoin Cash ) So I quickly went to sell because at the next moment Bitcoin Cash was at a price of XXXX $ on XXXX and coinbase ( I was supposed to have total XXXX $ if the trade went through successfully. When I went to sell I received the message post mode only. I even tried transferring XXXX coin from XXXX  to coinbase and received the message Bitcoin Cash sells are temporarily disabled the price remained at XXXX $ for about an hour then dropped to XXXX $ still not allowing any sells. The very next day the price chart on coinbase showed that the price of Bitcoin Cash had never even been to XXXX $ and not even to XXXX! So they allowed me to buy at an inflated price and not sell at an inflated price. As a multimillion dollar exchange this was a big red flag for me. So I have emailed and called customer service to try to get some compensation because this has not only resulted in XXXX $ immediate loss due to the malfunction but I have not been able to trade other crypto because they told me to leave my Bitcoin Cash there until a representative can fix the issue but havent given me any time frame to do so. I have screenshots of the price and the message when I tried to sell. It would be the best case scenario if they can honor my sell order of XXXX $ due to their mistake. But if they can not honor the sell then they shouldnt honor the buy either because they go hand in hand with one another and Id like a refund of my XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX  mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.

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 2018-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My deferment agreement ended in XXXX 2017. I 'm XXXX and required to submit documents annually to extend my deferment. I submitted my documents via Nelnet 's email as suggested. The process is usually slow but about 6 weeks later I checked my account and there were no changes I called Nelnet and they informed me that my documents were not received so I decided to mail them. My account was finally updated to a XXXX balance and payment due but I was hit with nine 90days late on my report. I feel that is unfair.. plus in 14 years I 've never been in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have called repeatedly at all hours to get customer service on my XXXX XXXX. Wait times always in excess of thirty minutes. Failure to staff properly is unfair and abusive.

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 2018-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital

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 2018-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Im getting a loan from coumpny and they are not letting me do what i need to give to the loan coumpny to give me the loan this is not right at all i try to ask my bank to let me have full access to my online banking and to let me be able to put check in my checking account by my mobile deospt and still have not aloud me this is why i went with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Im trying to add money to my bank account through an app but TD Bank is blocking the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Let me begin by stating that I am new to digital currency trading. On XXXX XXXX I purchased 1/2 of an XXXX XXXX for {$140.00} and a few minutes later 1/2 of an XXXX for {$140.00} ( see the attached XXXX bank account statement ) I purchased XXXX through XXXX, an online XXXX wallet. The money was not withdrawn from my checking account until XX/XX/XXXX. On XX/XX/XXXX XXXX finally excecuted one of the transactions for {$120.00}. So they must have pocketed the difference between the amount they debited my account and the price of the currency at the time they processed my order. I have read that many people have had the same experience as me, so it does n't appear to be a coincidence. Also, many people are claiming to have a difficult time getting their money out of XXXX. I would like to get the money I invested back. XXXX 's customer service is a robot. So, speaking to a human being is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital

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 2018-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
When trying to pay my mortgage on line, JG Wentworth 's website says that " this feature is currently unavailable. '' It 's been like that for 3 days. When I try to call customer service to pay my mortgage on the phone or actually speak with someone, the wait lines are so long I do n't get through. When I use their 24 hour automated pay by phone service, after I enter in all my loan information, the system does not give me the opportunity to pay over the phone but automatically transfers me to a phone number where an automated voice tells me the office is closed. Today is XX/XX/XXXX, and if my mortgage is n't paid by the 15th, they charge me a fee. And my credit score may be damaged? I read an article yesterday that j.G. Wentworth has filed bankruptcy and I 'd like to know if this is all related and how I can pay my mortgage. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Invalid Information Reporting to Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
A couple of years ago I opened an account with XXXX XXXX XXXX XXXX thru XXXX XXXX I bought a carpet cleaner and was having payments taken out of checking account automatically, my bank XXXX contacted me and they thought my account was having fraudulent activity so they cancelled card and issued a new one. I had called why not lease it and told them not to use card as it would be invalid and I would call when I received new card well they used my inactive card ( I 'm not quite sure how many times ) but for awhile it was 2 time a day and each time it was rejected they charged me another XXXX dollars? When I received my new card I called and told them the new # and thought everything was fine but When I went to apply for a home loan my agent informed me that I had this account overdue much to my surprise so I called the company that XXXX XXXX XXXX sold it to and paid the bill this wasXX/XX/XXXX and still even though my credit report states XXXX they are still reporting this every month and messing up my ability to get a home loan. I called XXXX XXXX and spoke to XXXX and she told me they wo n't quit reporting even though my account is XXXX. She also said they would continue for 7 years. Totally unfair as I did not even know this debt existed! I thought it would come off my report since I had paid it I have read numerous complaints about this company Can I get some help??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion website do n't allow me to dispute items. When I called TransUnion either they are busy or automatic service voice say the department is closed. 
I been disputing items on my credit report with TransUnion in the pasts and even mail in proof of old credit report how the creditor would either change payments status, change things and continue to allow credit items stay on my credit report when its over 7 years mark supposed to be deleted.

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 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
THIS CONTAINS TO MORE THEN ONE COMPLAINT, BALANCE ON THE LOAN. SHOULD THIS COMPANY PROVIDE A RETURN LETTER TO SUBMIT PAYMENTS, I DO NOT DO ONLINE BANKING, MY ELECTRIC AND GAS COMPANIES FORWARD A LRETURN LETTER TO REMIT PAYMENT WHY CA N'T NAVIENT. ALSO THE INTEREST STATEMENT FOR TAXES, SOMETIMES IS HESITANT. BASICALLY OVERALL I DO NOT KNOW HOW I GOT MIXED UP WITH THIS COMPANY IN THE FIRST PLACE. CRAZY THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I want to open a checking account with XXXX XXXX  and TD bank is blocking my ability to send my first deposit to them from my checking account with TD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
I opened a new account with BBVA Compass on XXXX XXXX, XXXX, under a new account promotion where I would receive {$200.00} if I opened a new account and they received a direct deposit of at least {$300.00} within 60 days. 

I had payroll direct deposits of {$300.00} post to my new checking account on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

It has been 60 days since I opened the account and I still have n't received the {$200.00} bonus. I sent the bank a secure message, and I received the following response : We received your inquiry regarding the Direct Deposit Promotion. Please note that the qualifications for promotion are based off our discretion. 

I do n't think it is fair of them to decide to not pay my bonus, after I met all requirements, just because their promotion is based off their 'discretion '. I met the requirements of their promotion and believe I am entitled to the bonus. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13 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: PA

Complaint narrative:
I had a portion of my student loans serviced by Navient and was originally on Income Based Repayment due to the very large student loans I have from XXXX  XXXX. I was notified by Navient in XXXX that my loan with them was not eligible for IBR anymore and they refused to take into consideration by total loan amount from school. Due to the refusal to keep my loan in IBR, I had to consolidate my loans with another loan servicing agency and lost approximately 3 years of IBR status and had to start all over from XXXX which can total over {$30000.00} in payments and additional compound interest as the resulting principle with grow for those additional 3 years before they are forgiven under the IBR terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I pay additional to the principal every month and every month my Ditech/ Green Tree mortgage company places my principal payment in either in applied funds or insurance or escrow. The most current unresolved problem is my XXXX 2017 payment. I paid the entire payment plus {$250.00} to principal. On XXXX-2017 it stated we owed {$250.00}. for the XX/XX/XXXX payment -they said they were aware of the problem when I called and were in the process of fixing it. The fix was now it says we owe {$1000.00}. I have called and emailed to no avail-not once in the over 3 years have they processed this mortgage correctly. Please help!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
I filed a compliant against this company X/X/2016 regarding there illegal collection tactics never received a response. Rep where XXXX XXXX & XXXX I also spoke with the owner of the company advised him his reps where pretending to be law enforcement. Multiple fdcpa violations. I requested {$5000.00} for the vilolations & removal from my credit report with the original creditor XXXX XXXX XXXX. I am wanting a respone or will have to seek legal action. I also need this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.

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 2018-01-13 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: MA

Complaint narrative:
Student loan with Navient increased from XXXX to XXXX after 11 years without any notice. 
Never recieved documents or disclosure on repayment loan. Paying every month, but they are reporting non payment to credit bureaus. Calls are met with insulting and rude people. 
On hold for long periods of time without anyone picking up the call. Takes days and hours to get unhelpful responses.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: MO

Complaint narrative:
I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked Transunion to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.

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 2018-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
In XXXX 2015 I called XXXX XXXX and gave them my information. And they told me that I was eligible for debt forgiveness of my debt being completely forgiven. But afterwards I found out that they just switch my laundry to something else and told me that I was accepted for forgiveness but I did not get it afterwards. My loan was n't reduced or forgiven and now I pay a higher interest rate. And the put me in forbearance without my knowledge.

Company response to consumer: Closed with explanation