vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-14 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: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express Serve has repeatedly placed all refunds on a review hold for review. I called them regarding this and they stated that its policy that is done to protect the customer. I find this to be outrageous. I purchased something then returned it, now you hold my money. No other credit card company does this. Once a return comes into your account its to be available to the account. 
I have included the transaction that is in question Transaction in question : XX/XX/ Merchant Credit Hold for Review - XXXX XXXX XXXX PROCESSING - {$31.00} Completed Transactions XX/XX/2018 Store Return XXXX XXXX XXXX + {$31.00} Original transaction Store Purchase XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA SHOPPING Edit - {$36.00} XX/XX/2018 Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX. 
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property. 

We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion. 

I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX. 

This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 )  they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly. 

Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out. 

We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX. 

Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent. 

XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy. 

This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home. 

My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report.

I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job.

The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay.

I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life?

I am a law abiding citizen who pays taxes and is just trying to get a job to support my family.

PLEASE PLEASE PLEASE help me. 
Thank you 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 2018-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Store card name : Best Buy Issue : retro-active interest on unpaid interest free balance balance = {$260.00} interest charged = {$160.00} Time frame XX/XX/XXXX to XX/XX/XXXX Best Buy is billing me {$160.00} in interest for 1 week on a remaining balance of {$260.00}. 
As the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, commonly called the CARD Act signed into law XX/XX/XXXX protects credit card holders from unfair practices. Credit card users are protected from retroactive interest rate increases on existing card balances without a minimum of 45 days ' advance notice.

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 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I had a car loan with Ally Financial and I traded the vehicle right about the time the payment was due. The dealership took its time paying of the Ally when I traded the vehicle so Ally put a 30 day late payment on my credit report and when I called them and explained to them that I no longer had the vehicle the customer service representative were very rude and told me I better pay them my payments.

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 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This complaint is off of a closed complaint ( complaint # XXXX ). I had a loan with Wells Fargo and they would not remove the incorrect balance. So what I did is had this account negotiated for paid in full for less than full balance.The agreement was that I pay {$1900.00} in return as paid in full and report a XXXX  ( {$0.00} ) balance. I made the payment and they told me they can not send me a letter until after the payment was made. I think they tricked me because now I still have a balance of $ 4,000+. I have all correspondence needed to show you. 

They told me this would be paid in full for less than full balance. They have lied to me and took advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I applied for and received a pat day loan from XXXX, of which I had paid off and extended the line of credit ( believe it was {$800.00} ) of which I paid a majority of. I had to stop paying them as I was embattled in alimony payments with an ex-wife. Since the alimony payments have stopped, XXXX sold the debt to direct recovery services who has called my parents, called my brother in law, and also call a friend I've known for 35 years. They disclosed amounts owed to these people in their quest to receive payment, which is illegal. Further, I contacted the company and requested that they communicate in writing via my email account, which they sent me an email and I returned and accepted their terms of communication. That was around XX/XX/2018. In that time, they have contacted family members of mine disclosing the amounts allegedly owed, despite my request for online communication, again which is a violation of FTC laws. 
Clearly this company ( or these companies ) have no regard for personal information nor do they uphold their standards to what is allowed by Federal Law. So I am filing this complaint so others know what to expect if they ever deal with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX is charging me late fees despite my having already made greater than minimum payments. 
On XX/XX/XXXX, I paid my XXXX balance ( including a late fee ) in a store. They wouldn't tell me the balance amount so paid an amount I knew would be greater than it ; I ended up paying {$78.00} more than my balance, therefore I had that amount to spend before owing anything to the account. 
On XX/XX/XXXX I made a {$56.00} purchase. I knew the overage in my account would pay for this. Yet on XX/XX/XXXX I was charged a late payment fee even though I had already paid XXXX this amount months earlier. In XX/XX/XXXX or XX/XX/XXXX, I was able to reach XXXX on the phone and explained that they had charged me an incorrect late fee, that I had paid what I owed months before the fact. I asked what happened to the {$78.00} I had overpaid. The associate said I had been mailed a check in XX/XX/XXXX ( reflected on older state as XX/XX/XXXX Credit balance refund + {$78.00}. ) I said I had never received such a check and that XXXX could not simply post a purchase to my account if I did not actually receive any products of funds. The XXXX people agreed : they refunded the XX/XX/XXXX late fee and they said they would send " another '' check for {$78.00} to account for the {$78.00} purchase they had taken out of my account on XX/XX/XXXX. I asked for a reference number I could refer to if I again received no check and needed to call back. The associate promised I would get a check and would not need to call back and refused to provide a reference number. They said I would receive the check in 6-8 weeks. 
Months later, I had still not received any check. 
On XX/XX/XXXX, I made a purchase at a XXXX store. My next payment due date for the card was XX/XX/XXXX, with {$27.00} minimum payment due. I did not pay this as I had already paid XXXX the {$78.00} on XX/XX/XXXX which they have to this day not applied to any of my purchases nor transferred into any bank accounts I own. On XX/XX/XXXX they charged me a late payment fee of {$27.00}. Of course I did not pay because I was not late, I had already paid enough to cover the minimum payment on XX/XX/XXXX. On XX/XX/XXXX they charged another late payment fee, this time for {$38.00}. Again I did not pay the fee because I had already paid in XX/XX/XXXX and that amount I had paid was more that the minimum payment would have been excluding the phony late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My residence is in XXXX, an approved country for CoinBase users. 

I have been a CoinBase user since mid-XXXX, always satisfied with the service, transacting mostly between LTC, BTC and EUR as an amateur trader. I verified my account with passport, bank account in my name for XXXX transfers, and provided proof of residence. 

Over XXXX XXXX I visited XXXX, where I tried to access the website, not aware this was against CB 's terms of service. As a result, my account was locked and I was asked to provide extra materials to confirm my residency was not in XXXX. I complied, providing copy of passports, proof of residence with bank statements, even including a confirmation of my hotel in XXXX. 

It has been almost over 2 months since I've had access to my account and funds. I have since been in touch with their customer service reps, who were very friendly and escalated my case 'to the highest priority level ', but nothing has happened to resolve the issue. All I get is automated responses via email. 

I have in excess of USD XXXX, - in my account and want to regain access to my funds. CoinBase is not responding to my efforts to resolve the issue, I've offered all the documentation they asked for and more, and I've been emailing and calling. My account is still restricted and there is no outlook for any resolution. All I can do is call, get the same response, and I'm discouraged from making new tickets to call attention to my funds being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express Blue Cash Everyday card was opened in my wife 's name and an extra card was requested in my name. Instead of opening one account as we thought we were American Express was actually opening two separate credit accounts. They did this under the guise of it being one account but it clearly was not. This is fraudulent behavior on par with what XXXX XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
Filed for Bankruotcy Forclosed on property and equity credit line bankruptcy discharged property foreclosed on and sold to soneone else i no. Longer live at or own this prooerty THE EQUITY CREDIT LINE WAS THROUFH XXXX  XXXX. I RECENTLY STARTED GETTING CALLS AND STATEMENTS FROM XXXX XXXX XXXX XXXX WICH LOOKS LIJE BOUGHT THE LOAN FROM XXXX   XXXX THEY ARE BOW TRYING TO COLLECT ON A LOAN THAT WAS DISCHARGED IN BANKRUPTCY I CONTACTED THEM AND NO LUCK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX the XXXX I tried to move from my wallet into a exchanger and it said 72 hours waiting time. Somehow i thought maybe the vault will be faster ( XXXX  me ) I havent used the Coinbase account for more than 3 years and my secondary e-mail address doesn't work anymore. Tried it and it bounced. I contacted support via the phone number listed on there XXXX Waited for 50+ mins calling from the XXXX.. Got someone on the line and they said they moved my case to another expert team for this and they would move my coins back to my wallet and they would delete my vault. Now more than a month later no answer what so ever.. the reply on my ticket says " I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' Define shortly ... Not happy about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: OH

Complaint narrative:
XXXX continues to call our business about a person who does not work here, has never worked here, we don't know who they are and calls repeatedly

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 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have been using Coinbase for 7-8 months now, and have had no issues. In XXXX, I wanted to withdraw my funds from the " Vaults '' that I had created in Coinbase. I have about {$3000.00} worth of digital currencies sitting in Coinbase and I felt like it was a good time to take the funds out of a public exchange. 

However, I realized that I don't have access to the secondary email account that I needed to use in order to confirm the withdrawal. I have opened multiple support cases, and the last time I heard back on XX/XX/XXXX ( writing this on XX/XX/ ) I was told that a specialist was on the case and that I'd hear back soon. They have since stopped responding to support emails and their phone support never seems to be able to answer the phone. I saw on XXXX that this was a good place to turn as a last resort. 

Main support case is Case # XXXX but I have also opened Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have two specific problems with Navient : 1. Navient received a payment from my refinancing company on XX/XX/. The company overpaid the loan, resulting in a negative balance. So far, Navient refuses to release the {$220.00} back to me. I requested payment within 30 days, as our loan agreement states payments are made every 30 days. I don't see anywhere that they excluded themselves from that role. I have to pay them every 30 days, so where's the same courtesy for me? 
I request that Navient release the funds immediately. 
PS - I am currently in the process of refinancing another loan out of Navient, since they've been a terrible lender and interest rates are rising quickly. If they can not pay any over-payment within 30 days, I'll be back here again. 

2. I am considering suing Navient in New York Small Claims court for the balance they refuse to provide. I requested from several customer service associates via emails, as well as with their Customer Advocate, that they give me an address where I can serve them. Everyone has refused to dodged the question. Customer Advocate said they'd get back to me this week, after stalling for one week already. So far, I've heard nothing. 
Please request that Navient give me the address where they can be served legal notices.

Company response to consumer: Closed with explanation