vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, my name is XXXX XXXX I live in XXXX and today I find the courage to contact you to help me with a financial problem I encounter with Coinbase ( www.coinbase.com ). For months I 've been using my credit card and using some of the services the company offers without the slightest problem. On XXXX I sent a bank wire transfer to certify my bank account as it was. The problem I faced for the first time is when I asked the company to send me a wire transfer from my Coinbase account to my bank account at XXXX. The amount was XXXX on XXXX XXXX, XXXX. As isknown, XXXX bank transfers do not take more than three days to complete unfortunate but in my case still the amount I asked not only did not pass into my my bank account but obviously they have not even tried to send that money! I have tried to make a phone call with them but unfortunately I could not wait as I was waiting for more than three hours, I also sent email but still did not answer me until today when I sent this request. That 's why I asked for your help! I have attached my ID, my bank account information as well as pictures from the Coinbase system where they show the process I have executed with the exact amount of my details and the bank account! If you need more information please contact with me, me email is XXXXXXXXXXXX and my phone number is XXXX or XXXX Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Blackhawk Network Holdings Inc.
State: WI

Complaint narrative:
Purchased a XXXX pack with {$500.00} loaded onto it. Tried to add it, online, to my XXXX  safe. At login, site says my account is blocked. Called customer service. I followed the steps recommended. Waited twelve hours. tried again. Called customer service again. Told me there were no problems with my account. I could escalate and wait for a response in 3-5 days. Asked for my money back. Gave me a case number but would n't send email confirmation. Said refund would take 30 business days! Spoke with XXXX on XX/XX/XXXX at XXXX XXXX cst.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX did an inquiry and I do n't know why

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Dear all, I had a very small amount invested at Coinbase. On XXXX XXXX at XXXX XXXX PST, I 've done a withdrawal from my EURO wallet at Coinbase in the amount of XXXX with the reference number XXXX. Coinbase stated that the money would be in my bank account latest by XXXX XXXX. Almost 10 days have passed and the money did n't arrive yet. 

I 've tried to contact Coinbase via mail already two times, but their e-mail support is under heavy workload, means no answer to my case. I also called their hotline twice, and no one picks the phone - even after 30+ minutes waiting time. 

I 'm really lost in terms of what I could do. One person suggested in a Forum to reach you and ask for help on how to proceed. I hope you can give me any indication regarding what I could do to have my money back. 

Many thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I setup an account with Coinbase and invested XXXX GBP. I made a little money buying virtual currency and sold the stock which is now valued at XXXX Euros. I have tried to withdraw this money and the company are not allowing me. 
I have emailed them, tweeted, and getting no reply. I think this is a scam company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Recently receiving all this mail from NelNet, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am currently into month thirty on making the WRONG calculated payment that I should be paying on my 30 year term mortgage ... Recently I was informed that Freedom mortgage was willing to help by increasing my term up to a 40 year term only to save me {$100.00}. Realize that this was after a 2 year miscalculation on my payments from the original lenders that caused this entire mortgage to snowball on me. I was in the process of resolving the issue by paying back the ESCROW SHORTAGE that this caused me when I refinanced from these amateurs. And then at this time it was supposed to be reviewed and adjusted in my favor to get a reduction on my mortgage ... It has now come to terms to seek some kind of help on this entire hardship that is causing me Including all documents and HUD copies to be reviewed. At this time I have no choice rather than to take this bogus offer only so I can afford to continue to fight this matter. Or I may even just pay the taxes only personally to my county to make this matter kick in by getting worse to prove what a missed tax payment from so called Authorized, Professional resources can cause ... I mean how hard can it be to review a scam that took place practically in my hometown approx 30 months ago?? Could both my Girlfriend and I mistakenly misunderstood the closing agent who acted as a notary public on the evening of XXXX XXXX and stated to us that " this cashier 's check for the amount {$2400.00} is going to your county so you KNOW that you have piece of mind knowing that your 1st quarter taxes are paid. '' And we thanked her. XXXX also stated to me that, to make sure to follow up because she did not really know the company that sent her to my home to sign the HUD and she was ONLY working as a notary public on that evening in early XXXX XXXX ... .I actually did call my township and the clerk stated to me that there was a check and they were waiting on the bank code where to place it? At this time I thought everything was fine, and 5 months after that I just starting receiving all kinds of delinquent notices ... ... ..I mean how much more can I prove to you people who ever you even are because I am getting sick and tired of everyone not being a man enough to stand up to me face to face or one on one to at least discuss or resolve this issue because next XXXX XXXX I am going to be on this stupid computer cell phone technology modern science trying to communicate over such a simple matter. Or at least say to me : look XXXX XXXX I am not reading the HUD properly or I was suppose to rush down to my county clerk to start my NEW escrow account. Somebody has to take a look at these facts.

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 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
My spouse started buying this home in XXXX. He XXXX in XXXX. He had mortgage insurance that paid XXXX on a house purchased for XXXX with XXXX being paid when we bought it. We do not have taxes included in house note just insurance and lender placed flood insurance. I am the spouse and my credit is not good. My interest rate on this loan started at 9 % and now it is 7 %. I owe XXXX according to their records. We had a thirty year mortgage. I do n't understand since we paid XXXX in XXXX and I am paying more than 300 in interest each month on such a low principal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I filed a complaint with CFPB # XXXX. FAY Servicings response was that they never receieved the signed documents back from us however we did send the signed notized documents i have attched a coy to this complaint maybe this will resolve our wrongful forclosure issue and we cant restart making our monthly payments soon. Thank you XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these  bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for

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 2017-12-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: TX

Complaint narrative:
RE : Previous Complaint No. XXXX Equifax 's response to this complaint ( RE : my XXXX XXXX XXXX  account ) WAS A LIE. They said that they had removed the language concerning " customer disputes information. '' I received a copy of my report on XX/XX/XXXXdated XX/XX/XXXXAND THE LANGUAGE IS STILL THERE! 

EQUIFAX IS TOTALLY INCOMPETENT! LITTLE WONDER THAT OUR INFORMATION WAS HACKED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Today is Saturday, XXXX XXXX 2017. I 've been trying to pay my mortgage on mrcooper.com for approximately 10 days. I have n't been able to login to my account on their website for this entire time. I have asked the company to reset my password 4 or 5 times and have been successful in changing it most of the time. On their website, after choosing a new password, you are then directed to a page to login with the new password. This is n't working. I know that I am typing the passwords that I have just chosen yet the website still says my password is incorrect. I have sent emails to the only email address I can find on their website which is designated for reporting accessibility problems due to XXXX or XXXX Mr. Cooper has sent me a very nice email telling me that I have sent an email to the wrong department and that I should call the company instead. No one is answering my phone calls. I realize that it is the XXXX season. People want to be off work. Should n't there be a message on their phone system saying that they are closed for the holidays? This company recently purchased my mortgage but I was able to make my payment online last month. This is incredibly frustrating and I want to get this resolved before the end of the year. I apologize for ranting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
( 1 ) I was making my payments ... ON TIME & just before I was to leave for the LAST family reunion I would 've ever had, & without any explanation, reasonable or otherwise, they Decreased my limit. Every time I made payments thereafter, they continued to decrease my limit & I 've been unable to use the card ever since.They continue to do so & while they 're at it, they 're attaching Over the Limit fees. How can I be expected to remain under the limit if they keep lowering it? I feel as though I 'm between a rock & a hard place because I sacrifice to make more than the required payment only for them to suck it up & leave me with nothing to show for it.

( 2 ) Some kind of way, Someone, REPORTED THE CARD LOST OR STOLEN, & it WAS N'T ME. Obviously & Again, my plans were altered due to NO fault of my own. They had NO explanation & to add injury to insult, they offered me a whole {$25.00} in recompense.

( 3 ) On a RECORDED line, I reported the loss of a rental car & they told me that the co would NOT be able to come right back & charge the card anymore. Well they did ... I had to talk to several agents & they ALL told me the same thing. They even issued a new card & STILL allowed the agency to charge that one ... Do n't recorded " promises '' mean anything? Every time I turn around, there the charge is AGAIN & interest on top of it.

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 2017-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XXXX of 2016 Bank of America reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, Bank of America failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.

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 2017-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
{$1200.00} was to have been refunded to my Paypal account by the XXXX XXXX XXXX when seller, XXXX XXXX XXXX, XXXXXXXXXXXX cancelled and supposedly refunded on XXXX XXXX, XXXX. Seller claimed the guitar I bought was defective. Original purchase was on XXXX. Seller has already relisted the guitar on XXXX without having completed the refund. 
I attempted to contact Paypal on two dates several times to resolve this fraud ... XXXX/XXXX/XXXX ... calls would not go through or would get disconnected. XXXX Paypal was closed! 
Transaction number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX RAN MY CREDIT ON XXXX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX RAN MY CREDIT ON EQUIFAX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
Credit reporting Companies suddenly Lower my score for no reason.About 79 points with XXXX and 73 points with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX i sent {$100.00} from my XXXX XXXX wallet to my coinbase bitcoin cash wallet. The money was deducted from my XXXX wallet, it never showed up in my coinbase  wallet.

Company response to consumer: Closed with explanation