vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
COINBASE CASE # XXXX - {$25000.00} Wire Reversal missing for 2 months - XX/XX/2018 - I had a wire transfer sent to Coinbase for {$25000.00} that was reversed since it was sent from my business checking account ( name mismatch ). Received email response from Coinbase indicating 7 business days for wire to be reversed and sent back. Screenshot of Wire Reversal email from Coinbase attached. 

XX/XX/2018 - Emailed Coinbase customer support and requested status on wire refund. Coinbase responded the same day requesting details regarding my wire transfer which provided to Coinbase. I reminded Coinbase that I've invested over {$200000.00} with their company and this was something that needed to be resolved. Called Coinbase Support and hung up after 45 minute wait. 

XX/XX/2018 - I received an email from XXXX ( Coinbase Employee ) stating that she apologized for the delay and would help resolve my wire refund. 

XX/XX/2018 - XXXX ( Coinbase Employee ) requested further documents which I provided. Also provided Wire Transfer instructions from my bank to assist with the reversal. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) to provide status on wire reversal. I have not heard from XXXX since providing all the documentations Coinbase requested. 

XX/XX/2018 - Called Coinbase Customer Support to check status of my ticket. Spoke with XXXX who could see my dispute had been in the system since XX/XX/XXXX. XXXX stated that my case was escalated to the highest level. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) requesting status update regarding my wire reversal. No response was received from Coinbase. 

XX/XX/2018 - Emailed Coinbase customer support regarding wire reversal. No response or status update has been provided. It has now been 7 weeks since the initial wire and I haven't received my wire reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have been a victim of identity theft. I contacted Transunion several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize 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 2018-03-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IN XXXX OF 2017 I DISPUTED THE ACCURACY OF THE BELOW ACCOUNT WITH XXXX, XXXX AND EXPERIAN. AS SEVERAL THINGS ARE INCORRECT. XXXX AND XXXX   DELETED THIS ACCOUNT FROM MY CREDIT REPORT, BUT EXPERIAN REFUSES TO REMOVE IT. I DO NOT AGREE WITH THIS, AND WOULD LIKE IT REMOVED. 
- Balance {$4900.00} Balance Updated XX/XX/2017 Original Balance {$23000.00}

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 2018-03-03 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: MN

Complaint narrative:
I have been a victim of identity theft. I contacted XXXX   several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX all free annual credit reports were ordered. Within one week two of the three reports had been delivered. Equifax did not send my free annual credit report. This is a recurring issue with Equifax including previous complaints filed with CFPB. Equifax also keeps sending me the same letter over and over that there has been a recent address change on my credit file. The address listed is my previous address from 20 years ago. Last year Equifax assured me by phone that the letter would stop being sent as it has been arriving for the last nine years. I received the same letter in XX/XX/XXXX. That makes ten years the same letter has been sent to me without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MI

Complaint narrative:
I have been a vicim of id theft ive never been to this hospital nore is this my bill I have never recived and bill from them to dispute charges just showed up on my credit report and i called they couldnt provide me any informations about what this was or any treatment given anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery has contacted me several times on a collection they didn't validate within 30 days, claiming to be mines. I have no contract with Portfolio Recovery for anything and I would like this negative information removed from all of my credit reports, this is affecting my score terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In last two months I tried to make online payments with Wells Fargo and select a date to send the payment. The calendar appears but the website will not allow you to select a date other than the day you are on the website. It seems like they are forcing you to make the payment at that time with no choice of the payment 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 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I transferred a balance to my American Express card for a 4 % fee and no interest for 12 months. I transferred it from a card where my APR was 13.9. On my first bill I noticed that I was charged the transfer fee as well as interest at 22 %! I called them they apologized and took off the interest charge and said it will not happen again. The next month I'm charged interest again. I call them they said they know it's a problem and notated my account. The interest fee was never refunded for last month and my bill this month has another interest charge on it. I feel like 3 months is more than enough time to solve this problem and I am tired of having to call every month and getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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 am currently repaying my loans under the Income-Based Repayment program through FedLoans and I will be eligible for Public Service Loan Forgiveness after  making my 120th qualifying payment on XX/XX/XXXX. My issue is that FedLoans has, on more than three occasions, inaccurately calculated the total number of qualifying payments that I've made. I contacted them on XX/XX/XXXX, with evidence of a full audit that FedLoans themselves completed in XXXX that accurately reflected the total number of qualifying payments I had made at that time. They have yet to adequately respond to my inquiries over the past year and I am now 10 months away from applying for PSLF and they still have an inaccurate total count of my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This complaint is regarding XXXX XXXX. XXXX XXXX is refusing to provide tax documents and a closing statement for a reverse mortgage that was paid in full in XX/XX/XXXX. 

XXXX XXXX refuses to provide the total interest and fees charged during the 38 month life of the loan. 

I am the successor trustee for the estate of my grandfather, who took out a lump sum reverse mortgage in XXXX of XXXX. He died in XXXX of XXXX. I paid the loan in full in XX/XX/XXXX. XXXX did not provide a final payoff statement for the loan ; when I inquired, XXXX claimed it would be sent at year end, before XX/XX/XXXX. 

XXXX XXXX claims now that the loan payoff statement does not exist. 

XXXX XXXX refuses provide tax documents ( form XXXX ). 

Through over a month of phone conversations, XXXX representatives have provided false and conflicting statements regarding this account. 

XXXX representatives claims during phone conversations include that the XXXX was mailed ( on three different dates ), that the XXXX would be faxed, that the XXXX was never generated, and a claim that they could not provide a closing statement or tax documents for the loan because the IRS prohibited them from doing so. Additionally, XXXX representatives had stated that, though the loan shows as paid in full, there is no payoff statement, and that they do not have any document that itemizes the interest, MIP, and other fees that they collected at loan payoff in XX/XX/XXXX. 

Time is off the essence for this complaint. I can not file federal income taxes as trustee for my grandfather 's estate, or my own taxes, because XXXX XXXX   refuses to provide a form XXXX, a closing statement for the loan, or any other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
WESTERN UNION FAILED TO FURNISH ALL DOMESTCI FRAUD INDUCED MONEY XXXX  FROM ME TO OTHER PARTIES. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
FROM XXXX-XXXX  I SCAMMED BY FRAUDERS VIA XXXX ROMANCE SCAMS AND XXXX EMPLOYESS IN THE MONEY SERVICES AREA AT STORES.. 

I HAVE BEEN SCAMMED FOR MORE THAN {$260.00}, XXXX AND IT MONEYGRAMS, XXXX AND XXXX PROBLEM. I WANT ALL TRANSFER IN MY NAME..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STONEGATE MORTGAGE CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I requested for my Mortgage Insurance to be drop as well as to remove my escrow. I paid down my mortgage to where I have more than 20 % equity from my original purchase date. An Appraisal was done and the value also confirmed much higher equity in the property. In XX/XX/XXXX I followed up due to the fact I was told it would take 60 days. I was told that by my XX/XX/XXXX payment it would be taken care of. On XX/XX/XXXX I called no one would pick up. The same is to be said for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I wrote to them again via their online portal following up on my request. I am yet to get a response or any sort of action on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
MANIPULATED INTEREST AND AMBIGUOUS BANKING PRACTICE I applied for cash advance of {$1200.00} in XX/XX/XXXX. I spoke with the banking staff after couple of months when I noticed the double interest charged with purchasing and cash advance loan being separated on the best way to pay off my cash advance, I was told by the staff that I should be paying more above my monthly due and that any cash above the normal due will offset the cash advance. From XX/XX/XXXX. I always make monthly payment above my normal due. I found that the interest rate continually mounted higher on my credit card and cash advance is separated with purchasing At XX/XX/XXXX the balance on cash advance stood at {$1100.00} from {$1200.00} while I the accumulated interest paid amounted to {$490.00}. 
I have offered to paid off the cash advance balance but the bank refused to separate my cash advance from purchasing but enjoyed charging interest rate differently. I have spoken to bank staff for settlement of cash advance several times to relieving the doubles interest on cash advance and purchasing. I regret my cash advance but I am soliciting for assistance to pay off my cash advance I got cash advance and I was told by the staff that in order to pay off the cash advance I need to pay more over my normal monthly dues. I have done that for over 12 months and the cash advance remained same with monthly huge interest. I have paid interest that mounted to half of cash advance but the cash advance remained same as if I just got it yesterday. This is ridiculous. I need assistance from public to fighting this ambiguous financial malpractice. I am weighing option to let it go to collection and only fraction of the money will be paid The interest rate charged on both Purchasing is 24.24 % and Cash Advance is 24.24 %. The lending practice of this bank needs to be publicized for public awareness. I was told wrongly and all the payment made above my normal dues were not applied to cash advance.

I have enough cash to pay off the cash advance but the bank will not apply any cash payment to close the cash advance because that is the area that they are sucking money from people. I was advised wrongly before I got the cash advance. I need help on how to challenge this wrongly doing.

I am soliciting for assistance to addressing this issue publicly on all media house as I am trying to avoid bankruptcy or financial crises

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am no longer able to login to my XXXX account after attempting to buy XXXX on Coinbase. These accounts use the same login credentials. I am unable to access my {$1500.00}. Support has been unresponsive and they are not available via phone support on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
A market order I submitted on XXXX to buy bitcoin cash in XX/XX/ 2017 executed at a {$6000.00} exchange rate. XXXX closed the order books two minutes after opening them due to lack of liquidity ( in that case they shouldn't have been opened in the first place ). XXXX/Coinbase retroactively modified their charts to remove evidence that bitcoin cash was ever valued at {$6000.00}. 

This trade cost me an estimated {$1500.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Within the past week some Wells Fargo employee ( s )  submitted an application for a credit card without my prior knowledge or authorization, and it was declined. My XXXX   scores were XXXX - Very Good, XXXX - Very Good ( XXXX ), and XXXX - Good. Now, my XXXX scores are in the low 600s.

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 2018-03-03 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have an account opened in my name on XX/XX/2015. For the company XXXX. I have no recolection of an account, telephones and or authorizing for an account. I had no idea if this account until i became a member of XXXX XXXX. I filed a report with the credit agency XXXX they claim it is mine but i have not one piece of documentation of anything on this account, not an address, account number, or location of the account activation. So it is in collections for the amount of {$1600.00} opened XX/XX/2015, with diversified consultants inc. XXXX XXXX XXXX XXXX , fl XXXX. It is on my XXXX   report also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have tried and tried to get another credit card from american express over and over and since i complained before i have been shot down absolutely ever time. i do believe I'm being singled out and discriminated against. i would like the cfpb to investigation and back my lawsuit against american express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, equifax XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, equifax XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to equifax. I started making payment beginning XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Regarding Paypal , Inc . 

On XX/XX/2017, two colleagues transferred funds to me to pay for a gift for our boss. One person had an XXXX name, the other an XXXX ( XXXX ) name and the funds were for a XXXX gift. The company processed and disbursed the funds from the XXXX co-worker but confiscated the funds from the Christian-named coworker. 

The company website states that " pending '' funds will be available in 21 days. I waited this time but nothing happened. I began calling, but none of the representatives were able to help and/or were instructed not to help. I continued calling, but nothing. 

The company has clearly violated my rights by choosing ethnicities from which to confiscate funds. In addition, they have borrowed from me without authorization. 

I would like a full explanation of what happened and why they refused to resolve this transaction in a timely manner. Also, they should make me whole for the confiscation and unauthrized borrowing of my funds and the banking problems this resulted in. 

The company should be more transparent they at times they borrow funds from your account for lengthy periods of time without your authorization. 

Lastly, the company should be more clear on their website and materials as to which races and ethnicities they apply different standards to. Please make public how the treatment is different for people based on their name and perceived religion and background.

Company response to consumer: Closed with non-monetary relief