vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX XXXX my XXXX XXXX deposited funds into my bank account and told me they would be ready in XXXX business days at my bank. All of the other students in my class received their funds as well already and I am the only one to not receive the funds. I called the bank SunTrust, everyday and e-mailed them and even contacted Headquarters to tell them that I was being denied the availability of my deposited funds. They never responded and every time I called customer service they kept asking how much it was and where it was coming from and they kept refusing to give me this information intentionally. It is the 6th day and the funds have not shown in my account and my school keeps confirming that it has been sent.

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 2018-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I traded bitcoin on Coinbase and did several transactions. However, since last month I was suddenly asked to provide SSN when I do any action like sell or withdraw. I do n't have SSN but Coinbase allows me to do trade in the beginning. For now, I still have XXXX $ in my USD account and I can not withdraw my money. I contacted Coinbase since last month but no one reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.

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 2018-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
States that I owe a balance of {$800.00} and odd dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
filed chapter XXXX discharged in XX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, after browsing various websites, it seems Coinbase are notorious for holding your money and not actively helping consumers withdraw their funds. 

I wish to withdraw my funds from coinbase, having followed instructions, paying for transfer fees, but I am still unable to withdraw. I have also contacted Coinbase via email, but am now not being replied too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Financial Credit Network Inc
State: CA

Complaint narrative:
filed chapter XXXX discharged inXX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 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: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
filed chapter XXXX discharged in XXXX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: GREAT LAKES
State: TX

Complaint narrative:
It is on my credit when it should not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is on my credit when it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
on XXXX XXXX they suspended my account saying it was a charge back from my funding soues which it was not i could notb access my account at all no statement no online no information in reference to the the section 22 D could not proof this happen still have n't sent me my money i sent them documentation this did not happen still have my account block

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10 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: ENOVA INTERNATIONAL, INC.

Complaint narrative:
Hello, I am a XXXX, and got an email from CashNetUSA on XXXX XXXX, XXXX for someone else -- her name is listed in the email -- advising she was denied credit. I can only presume this person filled an online application out and made a mistake in the email address -- so it came to me. 

I emailed the company to advise of the issue, presuming they would contact the applicant. 

Instead, they sent a further email including the person 's credit score and reasons she was denied credit. This is a huge privacy breach, and while she may have made a mistake in typing her email address on the application, I emailed them specifically to advise of the mistake and whatever system they have in place replied with personal information that I should never have seen. I do n't know the applicant and do n't have enough information to find her and inform her of this issue, and the company wo n't respond, so I wanted to let you know as this is something I 'd be concerned about if the tables were turned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: CA

Complaint narrative:
I signed up for Coinbase early around 2013, and have recently been active. Ive placed orders over {$300.00}, and gave the company all of my sensitive information : Drivers license, phone number, bank account info, and so on JUST to verify my account. I opened XXXX account, and while I was trying to confirm my identity, it suspended me for NO REASON. It kicked me out and wouldnt let me back into XXXX. Thats fine, but why would you SUSPEND my Coinbase account too?!? I am literally in awe. I wrote in Support ticket, have been waiting for weeks. Nothing. If youre in the business to scam accounts like mine to keep small chump change, youre doing it wrong. I understand risk and identity theft protection, but this is ridiculous. Im coming in from the same XXXX device id, same ssl fingerprints, same IP Ive used to log in to my Coinbase account, WHICH is still logged in and you should probably still HAVE my most recent XXXX. Why did you suspend me? 

Separately, you had emailed me to confirm my bank account name which youve somehow ironically used my Nickname to verify, which doesnt make sense. Why would you use my nickname to verify my bank account as opposed to the legal name Ive provided you ON THE ACCOUNT? You also had asked me to verify my identity to which I followed your link that leads me to nowhere your account is already verified what am I supposed to do next? Contact support? Wait for a year like some people did? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: NJ

Complaint narrative:
CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX XXXX ) to verify a public record. My XXXX XXXX credit report is frozen yet they claim to be using them to verify this public record below. 

XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet XXXX  keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. 

the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i  ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. 

XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Final Payoff of HELOC Account Number XXXX To Whom This May Concern : I am reaching out to the CFPB since I recently paid off our Home Equity Line of Credit ( HELOC ) with the life insurance payment from my husbands XXXX. 
Much to my surprise, Wells Fargo also charged me the accrued interest of {$520.00} ( 28-days ), and required I pay this monthly interest, which was included in the final HELOC payment. Additionally, an automatic, system-generated payment of {$510.00} was deducted from my checking account. Essentially two interest payments were made, totaling {$1000.00}. 
The final payoff balance and interest information was obtained from XXXX at the Wells Fargo HELOC Customer Care Line XXXX. 
Reference Number : XXXX Date Amount Explanation XX/XX/XXXX {$160000.00} HELOC Principal Balance Appearing Online XX/XX/XXXX {$18.00} Interest Accrued Daily XX/XX/XXXX {$10.00} Recording Fee XX/XX/XXXX {$520.00} Interest Payment ( 28-days ) charged ; included in the final payoff figure XX/XX/XXXX {$160000.00} Final Payoff Balance obtained via Wells Fargo HELOC Customer Care Line XXXX XX/XX/XXXX {$510.00} Automatic, system-generated payment deducted from checking account I made the final HELOC payment of {$160000.00} on XX/XX/XXXX. Not only was an interest payment of {$520.00} included in the final HELOC payoff figure, an automatic, system generated payment of {$510.00} was deducted from my checking account four days before on XX/XX/XXXX. 
I am requesting a refund of {$1000.00} which is comprised of : {$520.00}. XXXX interest payment ; included in the final HELOC payoff figure {$510.00}, automatically deducted payment from checking account. 
I understand there is a {$10.00} recording fee, and I am fine with paying the recording fee, however this additional {$520.00}. XXXX interest payment, and the automatic deduction of {$510.00} totaling {$1000.00} should be reimbursed to me. If a car loan is paid off, the principal balance is paid in full ; a monthly car loan payment is not required in addition to paying off the loan. 
We have been loyal customers of Wells Fargo, and have done all our banking with them since XX/XX/XXXX. I should not have to pay a monthly interest payment when I am paying off our HELOC, especially due to the extenuating circumstances of my husbands XXXX. These interest payments should be reimbursed to me. 
What is the CFPBs stance on this situation? Is Wells Fargo justified to charge a monthly interest payment when a substantial loan is being paid off in full? There is not supposed to be any pre-payment-penalty. Enforcing payment of the monthly interest, is as if I am being penalized for paying off the HELOC.

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 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX, {$110.00} was debited from account twice. There where funds available in my account for these transactions to clear. However on XX/XX/XXXX, I received {$100.00} in over draw fees. I was told that posting items were redistributed which caused me additional fees. 

I was told that because of this, this is why I was charged. Debiting my account for the transaction and redistributing transactions is what to me appears if the bank is just trying to make an additionally {$100.00} in fees. What makes this even harder is there are 3 other accounts that belong to me where the funds were in. I also was told that only with Savings accounts does Chase debit the funds from the account to cover transactions. I spoke with XXXX who was a supervisor. 

Lastly, on XX/XX/XXXX, I was contacted by Chase because of a dispute with XXXX. The transaction was for {$54.00}, which was an error and the merchant only wanted to give me a fandago credit and I would still be charged a {$7.00}. I contacted Chase with this issue. Chase is now asking for proof that I was charged on another credit card. The issue is that was not my credit card, and the individual who the movie tickets were made with will not give me their credit card statements. Additionally, I contacted XXXX again, for a refund and was told that they will not issue anything because I informed them I would dispute the charges. I have been a loyal Chase customer for over 20 years and the relationship now has gotten bad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Complaint about company - Coinbase Coinbase is a digital currency exchange, headquartered in  XXXX XXXX. It is one of the biggest digital currency exchanges, which registers 40,000 new users everyday. 

I made a SEPA deposit of XXXX EUR to my Coinbase account on the XX/XX/XXXX. This is approximately {$1300.00}. The intention was to make an international deposit to my Coinbase account, to purchase crypto-currencies. 

On XX/XX/XXXX, coinbase sent an email to me, saying that they were unable to clear my accounts ability to receive deposits at this point of time. For this reason, the funds will be returned back to me within 1-2 business days. 

On top of that, my account was temporarily disabled for no apparent reason from date of the SEPA deposit payment. So I was not able able to login. 

Due to this money not being returned to me, I have financially struggled in making ends meet and living on a minimum. I have also lost out on huge potential trading profits. 

I have emailed XXXX, XXXX, which supposedly worked at one point but do not anymore as the emails bounced back on me I have emailed on the coinbase customer portal - https : //support.coinbase.comXXXX. Here is says that priority is given to people with payment issue and account lock-outs. Two problems which I have had. All I get is an automated useless email with ticket numbers. The automated emails say that due to high volume, it will take several days to respond to the issue. 

In addition I have tried calling them, resulting in phone bills which costing me hundreds of pounds. I dont even get to speak to someone. I get automatically hung up on due to high volume calls even if I call within the first second of opening times. 

In addition I emailed XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX CEO of Coinbase ). These emails seem to work as I have not had an emails bounce back to me. But I have got no reply. 

In all my emails I have tried to be polite and patient. But now I feel, enough is enough and it has become a ridiculous, not acceptable, pathethic situation. 

I am tired of reading that coinbase will reply within several days due to high volume. Coinbase need to block the thousands of new people joining everyday and focus on supporting their existing customers. Why should existing customers suffer for the new. No other digital currency exchange is providing this exceptionally poor service that Coinbase is providing. 

You can not hold and not return customers money for such long periods of time for no reason Stay away from Coinbase. Customer service is non existent. There is no way you can reach someone and talk to them. the best you will get is automated emails. Thousands of people are in the same situation as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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:
29 days ago ( XX/XX/XXXX ) I sent XXXX EUR via SEPA transfer to Coinbase however these funds are still not in my Coinbase account. In previous experience it has taken 1 to 2 days to arrive. I have provided the evidence of this transfer to Coinbase but no response from anyone at Coinbase since XX/XX/XXXX ( 24 days ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
XXXX has adjust this registration

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have never applied for a credit card until XXXX and it was with XXXX I have no idea who XXXX is. 
XXXX, FL XXXX XXXX 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 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
I have a collection for XXXX from XXXX XXXX XXXX. I 've never heard or have done any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation