vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AE

Complaint narrative:
On the XX/XX/XXXX I 've recieved an e-mail that my deposit was reverse ( Coinbase ) but now I still have n't got my funds back! My bank says there is nothing coming as well. 

Now the XX/XX/XXXX and still no funds back XXXX + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I opened an account with Coinbase on XX/XX/XXXX. I used this account to buy and sell bitcoin and have never had any problem. A couple days later, I opened an account with XXXX ( a trading platform controlled by Coinbase ). After a quite lengthy process of account verification, I finally had my account ready to trade. I made a couple of buys and sells using XXXX. Then I stopped using it for a week because I did not have time. A week later when I logged back into XXXX account. It did not let me log in. It indicated that " Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact support@coinbase.com ''. So I submit a request on XX/XX/XXXX to support@coinbase.com to resolve the problem ( Case # XXXX ). After 10 days without response, I submitted an other request on XX/XX/XXXX ( Case # XXXX ). Now almost another 10 days has passed, I have not heard back from Coinbase people. I also submitted another request on XX/XX/XXXX to XXXX Support Center ( XXXX XXXX XXXX ) instead with the hope that I can get a response from XXXX people ( Case # XXXX ). I have about {$8000.00} dollars worth of coin on this account so this has been very frustrating to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
This complaint is regarding Care Credit XXXX FL. 
In XX/XX/XXXX my son had XXXX XXXX XXXX and this credit card was recommended, interest free. The Initial Fee was {$4900.00} for the XXXX. After either a year or 2 years, the balance was n't paid off, so they accrued interest back from the original amount and added to our amount due. Interest rate is 26.99 %. From opening date in XX/XX/XXXX thru XX/XX/XXXX I had paid {$8500.00} on this account, still leaving a balance of {$3400.00}. 
I spoke with XXXX XXXX requesting a settlement amount to clear this account ; because I am never going to get them paid off! Her answer to me was " their system did not allow settlements on accounts '' meaning I was stuck with the balance of XXXX XXXX! 
I continued to pay, approximately 700 - 800 more, up to this point. Thus far I have paid approximately {$9200.00} for a {$4900.00} XXXX, and still owe somewhere around {$3000.00}! I totally feel I have more than paid this account in full! However, I have to continue making payments, or they will ruin my credit. This company is taking advantage of customers who need assistance with medical, dental, or eye procedures. They talk the card up, its easy to get, then you are slammed like I am.

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 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We filed bankruptcy in 2010. We live in the effected area where Hurricane Harvey hit and flooded our neighborhood. We have our mortgage with Well 's Fargo Home Mortgage. We have been passed around so many times that I do n't have any names to give you on who said what. We decided to relocate and are in the process with an SBA loan. Our home owner 's insurance on the current flooded home, did not cover flooding, but did roof. We had hail damage and the roof leaked during Harvey, causing mold to grow on the ceiling. XXXX XXXX, home owner 's insurance, only paid {$6100.00} to fix the roof. This check was made out to us and Well 's Fargo. We followed their steps to send the check to them. We faxed them a letter, per Well 's Fargo, stating that we needed to know in writing if they were going to apply the monies to our outstanding balance or use it to fix the house. That was 2 weeks ago. We have heard nothing from them. All we need is a letter stating their intention towards the monies and they will not let us know. My husband called them last week and ended up in an argument with the person he spoke with.

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 2018-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: SC

Complaint narrative:
The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
They repeatedly call and let it ring once then hang up. This is on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We have been banking at BofA for many years, maintaining substantial balances from time to time. In XX/XX/XXXX, we bought a home in South Carolina and agreed to let the seller rent the home back from us for 3 months at {$2500.00} per month. The final rent check was machine deposited at BofA and reported on our monthly statement as a {$2500.00} check, but 24 days after the deposit, BofA determined our renters check was just {$25.00}, not {$2500.00}, and reduced our account balance by {$2400.00}. BofA tells us to get the money from the renter, but he moved out of the home during the 24 days, leaving us out {$2400.00}. 

Here are the details : The rent check was deposited on XX/XX/XXXX along with other checks, by BofAs machine deposit system. The deposit slip shows the {$2500.00} check. So does our BofA bank statement sent to us on XX/XX/XXXX. But, more than a month later when we received our XX/XX/XXXX BofA statement, we learned that on XX/XX/XXXX, 24 days after the deposit, someone at BofA concluded our renters check was for {$25.00}, not {$2500.00}. 

When we learned of BofAs delayed interpretation of the check, we asked our renter to pay us the balance ; he refused, saying he was sorry and it could have been caught sooner. BofA says we should sue the renter, but we feel certain BofAs negligent handling of the deposit, e.g., accepting the deposit and reporting that acceptance for the extended period ( 24 days ) our renter was still in our home, is the reason we have been shorted {$2400.00}. 

We believe the language of BofAs Deposit Agreement and Disclosures, which we received from the local branch, governs the issue. According to page 25 of that document, BofA reserves the right not to ... adjust ... for ... deposit errors. If the renters check was erroneously drafted, BofA compounded that problem by reporting the check as properly drafted for 24 days, then changing its position and damaging us by {$2400.00}, We can provide documentation if necessary.

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 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: U.S. BANCORP
State: FL

Complaint narrative:
I mailed XXXX XXXX a check for {$240.00} that they received on XX/XX/XXXX. i asked that they apply the over payment of XXXX to a purchase that is going to start charging interest in XX/XX/XXXX which they they did not. when i called today i was told they will not apply my over payments to where i advise then i want them applied. I then told this same supervisor to close my account and she also refused to close my account. Why are they not required to apply my over payments where i want them applied so that they do n't earn more interest from me. This supervisor named XXXX reminds me of a XXXX XXXX XXXX XXXX and should be fired for her attitude. they are also not listing my interest rate on my statement For purchases

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 2018-01-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
After numerous attempts to have the credit reporting agency Equifax, remove erroneous and derogatory information to be removed from my credit report has been to no avail. During the previous year in XXXX of 2017, I disputed many erroneous errors in my report. There is a public record that has been settled by the courts and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
I was applying for a mortgage with Pulte Mortgage since they were building my house. We first got in contact with Pulte Mortgage on XX/XX/XXXX. They ended up giving me my loan estimate. The loan estimate that I received was ok, but as with all mortgages you usually want to get multiple estimates so you can see if your getting the best deal. So I did n't get with the other lender till XX/XX/XXXX, which I had told pulte mortgage that I would be doing that, which is why I did n't get them anymore documents or respond to any additional communications at that time because I wanted to make sure I 'm getting the best deal for my money. I had decided to go with my other lender and they had requested title. I was under the impression that Pulte had canceled my loan because the loan processor had requested it since I was n't giving them my documents. Well on XX/XX/XXXX, I get communication from my loan consultant and says please look at this deal. I do n't know why they would send me another deal, which was it better? Yes it was, but it came out of nowhere. I think it was triggered due to tile request from the lender I was wanting to use and I never had sent them my other proposal. So when I opened up the new offer, it was brought to my attention that they ended up deleting a lot of the fees that were on my proposal from the start and was n't in the lender credit area where you would see adjustments from your lender if they decided to give you additional discounts towards your deals to offset other proposals. Well I called my loan consultant and he told me that every deal is different for each potential deal. Which for lending its not supposed to be that way, where companies can just go in and switch up fees for some people and not others. I was not happy to hear about that even thought it gave me a great deal. So apparently those fees were erroneous and they were just trying to take a bad mortgage. I 'm all about equality when it comes to lending especially with me working in the financial industry and knowing you have to treat all customers with the same expectations and fees.

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 2018-01-08 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: CO

Complaint narrative:
I wired {$10000.00} to Coinbase on XX/XX/XXXX and the funds have yet to clear my trading account as of XX/XX/XXXX. The XXXX website reads that wires clear within one business day. I have gone through the online support method twice with no repsonse and have called to discover that there is not support for these matters over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX   XXXX  We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times over the past 30 days, requesting a payoff demand. BAC is refusing to provide a Payoff Demand. 

Today they are claiming that the loan has been charged off. In turn I asked that we receive either a payoff demand showing the balance due, if any ; OR a Reconveyence of the 2nd XXXX. I was told by Customer Service that the short sale department handles these requests. The short sale dept told me that the chargeoff dept handles these requests for charged-off loans. I then spoke to the charge-off dept who told me that only the short sale dept can help me. I spoke again to the short sale department and they sent me back to the chargeoff dept. 


In every conversation I was directed to a different department, who then told me that dont actually have the ability to process my request for the payoff demand on this loan. 


At this point Bank of America has acknowledged my authorization as an agent for RE XXXX XXXX. They have also told us in writing that the loan is charged off. THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 



*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE 2ND FILE WITHIN THE PAST 3 WEEKS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT # FILED ON XX/XX/XXXX -- CASE # XXXX **************************

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America changed its policy about accepting payments My payments were REFUSED In person at the branch When I called to inquire as to why my credit limit was decreased THEY DID AN UNAUTHORIZED inquiry dropping my credit score lower!! 
When I expressed I wanted to close my acct and end business with this criminal organization they threatened it would further ruin my 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 explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I was a victim of idenity theft and I sent in all the documents and they removed everything that was fraud except this one account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have two Capital one credit cards that are closed at consumers request on all credit reports.I have disputed info many times and even called capital one credit services to fix issue.Nothing works to resolve issues.On accounts XXXX and account XXXX I was late paying and even stopped paying because of layoff from work and financial difficulties.After many letters to pay from capital one and even collection letters from capital one, they closed my two accounts at consumers request.I eventually went back to work and was able to make payments again.I called Capital one to make deal to repay balance owing in payments and in return to delete both negative/closed accounts from all credit reports.They accepted deal but did not fulfill there end of the deal to this day.On account XXXX, I opened XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed the account 0n XX/XX/XXXX.On account XXXX, I opened on XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed account on XX/XX/XXXX.As of today these two closed accounts are still on all credit reports impacting my credit and score.Me and Capital one made a deal and they have not fulfilled there end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There are items reported on my credit report that are prohibiting me from gaining access to credit. 

XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I currently owe {$310.00}. They have badgered me with calls all throughout the day, everyday. This account was opened XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a letter from Bank of America dated XX/XX/2017 stating I had an overdraft balance of {$10.00} on an account I had closed at least 10 years ago.

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 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/2007 to Present. I noticed I had paid {$23000.00} in Capital Interest, {$14000.00} in principal and {$19000.00} in interest. I also was seen my due payments going up faster than going down. I three loans a Consolidation Loan ( {$21000.00} ), a Parent Plus Loan ( {$18000.00} ) and Cosign Signature Loan ( {$7500.00} ) for a total {$47000.00}. My current loan for Consolidation Loan is now {$30000.00}, Parent Plus is at {$23000.00} and Cosign has been paid off. When I check my credit report it stats I am 37 % over my Credit Limit for these loans as that my credit limit is {$39000.00} and my balance is {$53000.00}. this is having a adverse effect on my credit score. I received emails about deferments and forbearance and was told there would be a one time fee and no interest. see attached please. I just need to know if the Capital Interest were legal or not.

Company response to consumer: Closed with explanation