vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Signed up for the XXXX XXXX credit card offered by XXXX XXXX on XX/XX/XXXX, with an advertised sign up bonus of XXXX points after {$3000.00} in spend. Spend requirements were completed on XX/XX/XXXX, but XXXX/Synchrony have only posted a XXXX point bonus. This is a standard bait and switch

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 2018-01-29 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: GA

Complaint narrative:
On XX/XX/XXXX I deposited from my XXXX  account {$300.00} to Coinbase. Coinbase took receipt of the money on XX/XX/XXXX. I received an email confirmation from Coinbase on the XX/XX/XXXX with Deposit reference : Today is the XX/XX/XXXXand numerous calls to Coinbase yielded no meaningful contact. All I have gotten is an automated machine telling me things which does not work. I have reported the issue via their support online request form at XXXX site. I have gotten no email suggesting that ticket was created to document my submissions. I XXXX searched to see if others were have the similar complaints, fund XXXX. Also got to realized they're associated with XXXX XXXX XXXX. I called XXXX XXXX, this morning, I was told they can not see their systems, but they are behind and will get my deposit done, but no time frame given. That is not acceptable.. 



Coinbase On Saturday XX/XX/XXXX you authorized XXXX to fund your Stored Value Account with {$300.00} from your linked bank account. We have debited your linked bank account accordingly.Deposit reference : Within 2-4 business days, these funds should be available in your XXXX  balance. Coinbase does not charge a fee for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My home loan was sold to Loancare LLC in XX/XX/XXXX on XX/XX/XXXX the check for tax payment of my Summer XX/XX/XXXX taxes was sent to Loancare LLC from previous mortgager. XXXX has yet as of XX/XX/XXXX to pay my summer XX/XX/XXXXproperty taxes. The money is in the escrow account and has been since XX/XX/XXXX7. I have called to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 1XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All to be told that the Tax Dept was  reviewing it. 3 1/2 months to review a simple transaction. Now my property Taxes are late and have penalties. There is no direct number for the tax department. I wonder why? I cant get a straight answer. I want my XX/XX/XXXXTaxes paid. I have loss the tax deduction for my home. I want a quick resolution.

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 2018-01-29 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: GREAT LAKES
State: PA

Complaint narrative:
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the dept of ed told me to contact great lakes because my account was sent to them when i contact great akes they sent me back to the dept of ed, from there back to great lakes, In XXXX I spoke to great lakes over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: AR

Complaint narrative:
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted Transunion and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both Transunion and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

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 2018-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/ : Ref # XXXX - Requested account be closed and check be mailed XX/XX/ : Return call Ref # XXXX to confirm details of prev call and I also mailed letter as instructed to over-night department requesting account reactivation XX/XX/ : USPS Confirmed Letter was received via signature XXXX XX/XX/ : No call from Wells Fargo as promised once letter was received. Call today to request status update. No one has seen my letter. No one knows why my account is not active but shows active but wont allow anyone of the 4 or 5 people I've spoken with to close the account and mail me a check. My call was transferred a few times to operators and wrong departments until I finally spoke with XXXX, C-Rep Ref # XXXX that I can call back on XX/XX/XXXX and request my check and that would be ok even though it now falls outside of the " grace '' period. She spent the time to confirm some questions about me and indicated account should be reopened ( even though it was never truly closed ) and I can request the check on XX/XX/. 

By the way -- this is the 3rd attempt in 2 years I've made to close this account. I didn't document those attempts at the level of detail I am with this effort.

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 2018-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My credit card statement closing date XX/XX/XXXX indicated that I must pay the balance of {$1100.00} in full by XX/XX/XXXX to avoid paying accrued interest on a promotional plan. I called in the customer service center at XXXX on around XX/XX/XXXX to verify the amount payable prior to making the payment. The customer service representative confirmed that I needed to pay {$1100.00} to avoid interest charges. I submitted the request to process a payment in the amount of {$1100.00} on XX/XX/XXXX and the payment posted to my account on XX/XX/XXXX. I received my new statement on XX/XX/XXXX ; closing date XX/XX/XXXX. My promo plan charges were paid in full prior to the interest free expiration date. But I was still charged interest in the amount of {$400.00} on the promotional plan charges. I called customer service to dispute the finances charges and request a reversal. My request was denied advising that the finance charges are valid and my account will be reviewed in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My complaint is against Coinbase. 
I made a Bitcoin purchase on XX/XX/ XXXX reference code XXXX for {$1400.00} USD @ {$11000.00} per Bitcoin. The transaction has NOT been added to my BTC account on Coinbase. The {$1400.00} has been taken out of my bank account at XXXX XXXX XXXX XXXX on XX/XX/. My first attempt with the Coinbase help center was sent on XX/XX/ with no response Case # XXXX. I have since called 3 times, mailed letters, the only response I have received is that my case has been elevated to " urgent ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a home where my parents ( were/on title with me ). My father passed away in XX/XX/XXXX and I was trying to do a modification in XX/XX/XXXX and was denied the modification because his estate did not go through probate. My mother and myself did a quit claim deed from his estate to her and myself and then my mother did quit claim deed from her to myself to be able to clear title issue that mortgage company said we would have. This was not acceptable to them to clear title however when foreclosure papers came it showed just my name as owner of said property. 

I was told that in Minnesota when quit claim deed does not state joint tenants or tenants in common it defaults to tenants I have attached the affidavit of suviorship, quit claim deed and first page of foreclosure information received from Wells Fargo and it clearly shows all transfers done and recorded at county

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 2018-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I took out a HELOC when I purchased my home and it had a 10-year interest only period followed by a 15-year repayment period that would include principle and interest. 

When I first went into repayment period in XX/XX/XXXX,  I looked at the payment and thought it was high but I trusted the bank, which is Bank of America. Then roll it forward in XX/XX/XXXX, I decided to recalculate the payment myself and learned that the remaining term is not consistent with my loan documents. My loan matures in XX/XX/XXXX,  leaving approximately 12 years to maturity. However, the bank is calculating a remaining term of 9 years because I have paid extra towards the principle. My contention is that I should have the full remaining term used to calculate the payment rather than a reduced amortization period. 

Using a shorter window for my repayment period makes my payment much higher and it has been a struggle. My payment, if calculated on the true remaining term, would be approximately {$140.00} less each month. 

So, I believe that the bank is wrong for forcing me to make a payment on a shorter period than my maturity date.

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 2018-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am located in Georgia and our area was declared a Disaster Area. My mortgage company, Wells Fargo sent out a letter stating that since we were in a disaster area that payments would be suspended for three months and no late fees or negative credit reporting would be done during this period. This applied to home loans and Equity lines of credit, which I have both. The letter did not state that at the end of the three months you would be required to make all of the payments at once and all late fees would accrue. The letter was very vague and misleading. Now I am receiving a notice that my mortgage is in default. How can this be possible? How is someone expected to make 3 months worth of payments as once when they were having trouble making the regular monthly payment because of extra expenses from the disaster? It would have been easier to try and come up with the regular monthly payment. 

In researching I am not the only Wells Fargo customer who has experienced this problem. I ask you help in resolving this matter, not only for myself but for the others who have been affected and are now in jeopardy of default.

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 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
upon dismissal XX/XX/XXXX of employment at XXXX XXXX XXXX, i was sat down under duress and was told and directed to sign a promissory note to pay back company in loss prevention. i do not owe the company money as i did not commit the monetary fraudulent transactions. This action lacked consideration. i was interrogated for over 3 hours and was held against will, no food, water, or bathroom was given to me upon requesting. The individual took my cell phone was going through it provoking me, making me fearful of never seeing my kids again, threatening me throwing papers around the room, he was demeaning and intimidating me. i would not voluntarily sign anything, and my original statement was ripped up. This action was reviewed by court on XX/XX/XXXX and my case was credible and i was gained my unemployment benefits.

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 2018-01-29 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: Mortgage Research Center, LLC
State: MS

Complaint narrative:
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that requires immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on all three of my credit reports. Regarding the following inquiries < XXXX XXXX XXXX from XX/XX/ and XX/XX/ > I have disputed these unauthorized inquires for several months with no help from the XXXX XXXX XXXX. I was told, this is a third party service for a XXXX XXXX and I needed to contact this company. I have sent letters to both companies with no response. I am tired of being put off and given the run around. I am not a veteran, I did not apply for a home loan, and I did not authorize anyone to pull my credit for any reason from these companies. My credit report was pulled twice with this company and I would like these unauthorized inquiries deleted from my credit file with all three credit bureaus immediately! I have also filed complaints against XXXX XXXX XXXX. I need these fraudulent unauthorized inquiries off 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 2018-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I've asked wells fargo to stop the refund of {$720.00} from leaving the account, yet they've said that it was already processed on XX/XX/18 and that it can't be reversed whatsoever due to their system limitations. 

I'm frustrated that they're ignoring this issue.

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 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: NJ

Complaint narrative:
This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. 
It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. 
They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management.

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 2018-01-29 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:
I have made a money withdrawal from my Coinbase account to my bank account on the XXXX of XXXX and on the XXXX of XXXX. I did receive a confirmation from Coinbase, that money will be on my account accordingly on the XXXX and on the XXXX of XXXX. 
I contacted Coinbase first time on the XXXX of XXXX and on the daily bases since then. e-mails and phone calls. I even tried to contact them trough my bank. 
Today I have got Coinbase to add me to their priority list, at least they say so. But money has not arrived. They have taken money from my Coinbase account the same day I made a withdrawal. But in 2 weeks it has not arrived to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a complaint against Citibank for their Mastercard credit card for which I am being charged excessive late and interest fees. Also on speaking and trying to resolve the issues with the company representative XXXX ( on XX/XX/XXXX at XXXX ET ) and then escalating to his manager XXXX at XXXX ET they refused to provide me with information as to whom I could file a complaint to, about my being over charged fees. XXXX ( Supervisor ) also suggested I contact the Better Business Beaureau instead of the CFPB as required by law. Specifically my payments are due every 2nd  day of the month, however due to travelling and the holidays for the month of XX/XX/XXXX ( payment due XX/XX/XXXX ) my payment was made on XX/XX/XXXX and processed / credited to my account on XX/XX/XXXX. Citicards then charged me a {$25.00} late fee as well as {$51.00} interest charge, because my payment was 1 day late. Attempts to call and have these charges removed were rejected and Citicards  refused to provide me with any information as to how to file a complaint to any regulatory agency. I have been a 15 year Citicard holder with a history of paying all my balances on time.

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