vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase, a cryptocurrency exchange company ( www.coinbase.com ). 
I use the account to buy the digital currency Bitcoin. 

On XX/XX/XXXX, my girlfriend deposited XXXX into my Coinbase account, using the XXXX transfer service. 

Unfortunately, since the sending bank account was in my girlfriend 's name and my Coinbase account is in my name, I received an email from Coinbase on XX/XX/XXXX informing me that they are unable to process my request and my transaction had been reversed. I was informed the funds would be returned to the sending bank account within 1-2 business days. 

On XX/XX/XXXX, I followed up with Coinbase support via email because I had still not received the funds. I received an automated reply confirming acknowledgement of this request for support. 

On XX/XX/XXXX I again sent a message to Coinbase support informing them that the funds had still not been returned to my girlfriends bank account. 

On XX/XX/XXXX I received an automated message from Coinbase.

It is now XX/XX/XXXX ( 17 days after my girlfriend transferred XXXX to Coinbase and there is still no sign of the funds being returned and I have had no correspondence from anyone at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! 
They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I bought a car two years from Auto Connection in XXXX, Va two months after purchase the engine seized up in the car.. this was XX/XX/XXXX.. I was told I had a warranty on the car come to find out this was not the case XXXX later I get my car back. All through XX/XX/XXXX I had numerous problems with the car, In XX/XX/XXXX I contacted them again about the engine ... because they put a used engine in the car, I told them the engine was getting ready to go again, I was told to drive it over 70 miles from my house to the dealership I told them it would seize up.. in doin so the engine locked up. For 5 mths I have paid on a car that has not ran, once again I contacted them, once at my expense I got it to the dealership I was told it needed various things, then I was told to go to the dealership and look for another car they would take mine on trade, when I arrive at the dealership my car has MORE damage then when it left, keep in MIND MY Finance COMPANY MICHAEL WAYNE advised me to go.. : short and long I offered a settlement amount on car and was denied because there is XXXX damages done to my car I owe XXXX loan is current and my option is to pay on a NON running car or I have to get another LOAN from them to make the current one go away ... I feel as if I 'm being held hostage OH, I failed to mention they offered for me to FINANCE the damages done to my car when originally I was told if the car was paid to a certain amount the loan could be wiped clean ... Let, me add XXXX is the one who told me to DRIVE the car after I said it was NOT drivable and he said it was goin to need an engine, he is also the ONE who said if the loan got down to XXXX the rest could be wiped cleaned, I hold XXXX responsible for this mess he has played XXXX thru this whole mess, several people have tried to clean up his mess and I 'm grateful for them ... but Michael Wayne is NOT looking at their liability in this mess in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I modified this loan in XX/XX/XXXX with XXXX XXXX XXXX. I made four payments ( Phoned in Check # XXXX XX/XX/XXXX, Bank Check # XXXX XX/XX/XXXX, and Bank Check # XXXX XX/XX/XXXX, Personal check # XXXX ) to XXXX XXXX XXXX as per the modification agreement to XXXX, but XXXX XXXX XXXX sold the servicing before the modification of the loan. The loan was transferred to Nationstar Mortgage, now Mr. Cooper. Nationstar/Mr. Cooper failed to modify my loan when they received it. They claim to only have two  payments towards the modification. They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me and it was not until they received my fifth payment that the modification was completed on XX/XX/XXXX. Unfortunately this left me 30 days behind, when I really was one month ahead. 

I have filed several complaints and they appear to have found my payments but have credited me less than the amount due. They claim I now have a credit of XXXX when I should have a total credit of XXXX. They have not been very clear on why I even have a credit. My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed, since I have never been late with my payments since the modification. I provided ample proof of all my payments, and they have both XXXX XXXX XXXX XXXX payment history and their own. I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The company needed an account number in order to identify me for my last dispute. I did not have an account number due to me not having a validated account with them.

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 2017-08-24 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: GA

Complaint narrative:
I disputed this Item several times with along with others with Equifax however, they did not comply with the State Attorney General Settlement Agreement and 609 letters  with this one particular item. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify the item. If you do not have any documentation in your files to verify the accuracy of these disputed item then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Previously I had filed against XXXX XXXX located in XXXX California regarding a bumper on a XXXX XXXX that I purchased.The bumper was coming off the car and we finally reached an agreement.On XXXX/XXXX/XXXX The air conditioning in the car went out. I just can not understand how a car can have so much trouble in 4 months.I am without a car for 2 days.And if the car was inspected it must not have been a good inspection.reimbursement for loss of use.

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 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
The online company is called Coinbase.com. I sold my bitcoins onXX/XX/XXXX. That 's the date coinbase is showing as the transaction as complete. Coinbase promises 4-5 days for it to show up on my XXXX XXXX XXXX account. It 's nine days now and no response from Coinbase after I emailed them. My account name is XXXX Amount of money due : {$1900.00} Transaction reference number : XXXX Can yu help??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
Date : XX/XX/XXXX. I have been receiving repeated calls from " Online Information Services '' ( OIS ) in North Carolina. Message says they are calling about a debt owed by " XXXX XXXX XXXX '' ( sp ) which is not me nor anyone I know. The message also instructs me to take action ( call OIS ) if I am not this person. I do not and will not interact in any way with such calls, and I 'm not going to call and tell them my actual identity, particularly as there are **hundreds** of online complaints about this company ( including one that reports notifying the FTC of OIS ' fraudulent and harassing practices as early as XXXX ). 
Number OIS call me from : XXXX Number OIS tells me to call to be removed from their calling list : XXXX Note also : I am on the National " Do Not Call '' registry and have been for years. 
More info about OIS included legal complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of 25,000 bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising. This complaint was previously closed despite the fact the company failed to provide documentation of their claims. 

Please reopen this claim and explain why citibank 's response was reason to close it when they provide no documentation to show that they are not in violation of the unfair or deceptive acts or practices Section 5 ( a ) of the FTC Act Upon activation of the card, the citibank representative confirmed I would receive the bonus after meeting the spending requirement. I never received such a bonus, nor did the terms upon application or with the offer I received indicate that I would not be eligible based on the different product I previously had. I disagree with the company 's response and expect them to document proof of their false claims. I am owed the bonus and the company 's actions constitute an unfair or deceptive acts or practices violation. The FTC Act prohibits unfair or deceptive acts or practices. " An act or practice may be found to be unfair where it " causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition. '' A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. " Citibank should be prosecuted for willfully violating this act and failing to make appropriate restitution.

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 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX, a debt collector for XXXX sent mail to me concerning payment that they claim I owe. The debt is for a bill they claim I owe XXXX for service received in XXXX XXXX. The first I have heard of this debt was when XXXX contacted me, which was in XXXX of XXXX. I contacted the New York Better Business Bureau on XXXX XXXX. They referred me to Consumer Financial Protection Bureau -complaint number-XXXX- This was my complaint : I do not agree with the bill sent to me by a XXXX XXXX for XXXX XXXX for services rendered to me almost five ( 5 ) years ago ; especially since I did not live at the location at the time of the billing which I can prove.t. I resent that they waited that length of time to contact me ; and not personally, but through a collection agency. I have tried to fix the issue with Better Business Bureau.

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 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have disputed medical debts posted on my credit report from AR Resources. I submitted disputes to the CRAs for valid documentation to be provided to me in writing or to be removed from my credit report on XXXX, XXXX, XXXX of this year. 

No Documentation has been provided to me in writing proving the debts are mine and that the debts are valid. I dont even know what the debts were for. I responded to AR resources contesting the the validity of the debt and have received nothing in return. AR resources is also posting the same debt on my credit report twice in the amount of XXXX. Which is showing as additional collection account. This is an improper practice. I asked the CFPB once before to have debts removed and AR Resources agreed to remove. The debts have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MS

Complaint narrative:
I use an app called XXXX. It allows me to receive paycheck funds early by tracking my location to tell when I 'm at work or not and can get my estimated pay for the shift I worked that same day. When my direct deposit goes into my Simple bank checking account, they automatically debit my account for what I withdrew and allow me to take more out. They 've sent me several notifications saying that Simple bank is not updating and reporting transactions to businesses and services I have my account linked with as often as financial institutions are supposed to send them. This is causing delayed balance updates and proof that I received my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: NV

Complaint narrative:
On XXXX. XXXX, XXXX, I renewed my pawn contract with XXXX XXXX XXXX XXXX XXXX and the due date was extended to XXXX XXXX, XXXX. On the due date, I made full payment of US {$140.00} to redeem the pawned goods, an engagement ring ( 14K gold ) given by my boyfriend in XXXX who later became my husband until his death in XXXX. After about an hour, the pawned ring could not yet be located. The customer service personnel named XXXX took my celphone # and promised to call me once the item is found. Shortly after stepping out of the office, I returned to retake the money paid since the pawned ring was not handed to me anyway. XXXX gave me back the US {$140.00} earlier paid & erased the annotation " all ready paid '' written on the pawn contract. A male officer then wrote on the same pawn contract the words " missing will find. '' Until now, I received no call or letter from the company. I dropped by their office on XXXX XXXX & XXXX, XXXX but still there has been no update of the lost item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
InXX/XX/XXXX, my husband and I filed for Chapter XXXX Bankruptcy due to my husbands illness. Two weeks after we filed, my husband was awarded XXXX XXXX XXXX through the Veterans Administration. The mortgage company was going to foreclose on our home and were unwilling to work with us, so bankruptcy was the only option for us at the time. We made monthly payments to the Trustee of the Bankruptcy up until XX/XX/XXXX. We had been advised not to have any contact with any of our creditors until the bankruptcy was discharged. The discharge came in XX/XX/XXXX. I never heard anything from any of my creditors including the mortgage company. At the end of XX/XX/XXXX, I began sending my mortgage payments directly to the company. In XX/XX/XXXX, I noticed my XX/XX/XXXX payment had been returned to the bank. When I called the mortgage company, they told me I was in default and that my home would be foreclosed. No mention was made as to when and where this default occurred and since we had been making monthly payments since the bankruptcy discharge, we had no clue. I contacted my lawyer and a seven month ordeal began. During this time, numerous letters were sent from the mortgage company even though they were advised not to contact us directly but to go through our lawyer. Seven months later, the dilemma was resolved. Apparently during the five months between my last payment to the trustee and the discharge, no payments had been made to the mortgage company. Had the mortgage company representative advised us of that, we would have made the payments. At the end of the seven months the mortgage company sent a settlement of {$5000.00}, which was to go towards our missing payments. We sent an additional {$810.00} to bring the account current. That was on XX/XX/XXXX. In XX/XX/XXXX, I checked my credit score and it was in the mid XXXXs. In XX/XX/XXXX I rechecked and it had gone down into the low XXXXs. Reviewing my account, I noticed the mortgage company had entered six months of 120 to 180 days late on my mortgage payments in XX/XX/XXXX I was astonished. I tried to speak to the mortgage company to no avail. My lawyer stated the mortgage company was within their right but I do n't feel this is ethical. I feel this is payback for having contacted a lawyer. This is not fair business practices. We just spent five years in a bankruptcy and now will have to spend five more until this mortgage issue can be erased from my credit report. I truly hope you can do something to help us. Thank you.

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