vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an outstanding balance of {$200.00} USD on coinbase and they ask for my debit card information so that i can pay. I give them my debit card information and my account was locked and payment pending ever since  XXXX   XXXX   2017 . I email them several times and they told me that i need to deposit enough   XXXX   currency to cover my outstanding balance and when i told them that i have enough   XXXX   currency in my account to cover it. They told me that they have issue charging me that amount. It has been more than a month since this issue and it has not been resolve. I am not sure why it is so hard to charge me for the outstanding balance since i have purchase from coinbase multiple times. Now i am unable to withdraw the funds i have in my account and will take legal action if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have previously filed a complaint about this company Santander Consumer USA inc. The case id for my previous complaint is ( XXXX ) Santander restored my account to an active account and immediately placed in the collections department and demanding the back payments for months of dispute of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was not made active until approximately XX/XX/XXXX. They are attempting to make it appear as I have just not made any payments for no reason other than just not paying them. I am seeking that my account be listed as active and current and to begin making payments again as scheduled once the dispute is resolved. I believe it is unfair for Santander to unwrap my loan then reactivate it and place it in collections as being three ( 3 ) months behind when thy cause the problem to begin with. I want my payments to restart on XX/XX/XXXX without any additional interest or back loading of the loan. I made the first six ( 6 )  payments without fail. I want to resume with the seventh ( 7th ) payment and not have to pay Seventh ( 7th ) thru Tenth ( 10th ) all at once. Every bit of this situation could have been avoided had Santander informed me at any time during the first six months of my account. I firmly believe that Santander consumer USA inc. is a predatory lender preying upon person at a disadvantage. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY   XXXX    but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY   XXXX    but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I refinanced both student loans in XXXX and have made auto payments since XXXX. I have attempted to understand how at 8 % APR, Navient is applying monthly payments. I have paid for 10 years.
<P/>
Loan Information : Loan XXXX XX/XX/XXXX Amount XXXX APR 8 % XXXX XXXX  Loan XXXXXX/XX/XXXX Amount XXXX ARP 8 % XXXX XXXX Balance as of XX/XX/XXXX ( only account balanced received from Navient ) {$6600.00}.
I can not log into their portal and they have not sent me loan balance documents since XXXX. My monthly payment is XXXX, paid on the XXXX  of each month, via auto pay.
<P/>
Loan documents show finance charges for this loan @ 8 % APR will cost me {$9300.00}.
Total payments on a loan of {$12000.00} will be {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I had an account on my credit for {$280.00} from  XXXX   XXXX   XXXX . The account was removed from my credit due to a dispute. The collection agency assigned to this debt was  XXXX   XXXX   XXXX  (  XXXX  ) account #  XXXX .  XXXX  sold this collection account on  XXXX / XXXX / 2017  ( approximately  ) t o  XXXX   XXXX   XXXX   XXXX ,  XXXX   (  account number  XXXX   XXXX  ) and they have placed a new account on my credit in the amount of {$1500.00}. How can they increase an amount by 5 times the original amount? I am confused. Then, they sent a  XXXX  page demand letter with payments equaling a car payment. The letter did not comply with all the regulations required by the CFPB. They placed this on my credit report as new debt with the increased amount that I never owed them on the original company. This company has been harassing me with calls and demand letters.

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 2017-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I attempted to send money to XXXX as I had several times before using the WESTERN UNION ( WU ) Online website. They suspended my use of the website ( XX/XX/XXXX ) without explanation or resolution. I was then forced to use a WU store agent to complete any further transaction. A store transfer ( XX/XX/XXXX ) was also cancelled after using that method several times, again, without reason being given, or any way to resolve the issue, of WHY the cancellation occurred. <P/> I again attempted to use the online site to transfer money internationally on XX/XX/XXXX, WU send me an email that said the transfer had been approved and was available for pick-up, but that too was cancelled on the same day.
<P/>
No one at WU will provide a good, or even ANY reason why they have terminated my use of their services, to a person known to me. I have attempted many time to solicite a reason from WU customer care representatives via the phone, and they cite " regulations ''. What regulations is a total mystery. I can not even get which Federal Reg. is being used to cancel my service requests. I have also emailed XXXX without replay, three times. If they require ID, or any other documentation from me to authorize transfers, they have NOT asked for it, nor have they indicated a method by which to resolve the issue. Oh, they did refund the money I attempted to send. I did not want the money refunded. I was sending it for a personal reason! This is absolutely an atrocious situation. In fact, cancelling my transactions is a violation of my Constitutional Rights, without having the case heard in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: TX

Complaint narrative:
I have disputed  XXXX   XXXX  with the balance of  XXXX  several times thisd is not my account I was not in lease I was an occupant only it needs to be removed

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 2017-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I met XXXX XXXX, XXXX, Cell XXXX, while at a XXXX XXXX XXXX  convention in XXXX XXXX, MO on or about XXXX XXXX or XX/XX/XXXX. XXXX had just purchased XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX in XXXX, GA XXXX. We both were members of XXXX XXXX. XXXX XXXX actively encouraged members to secure favorable, better than market purchases, purchases with given dealerships. Such opportunities being one of the benefits of XXXX XXXX memberships. I asked XXXX to find a new full equipped XXXX XXXX. For what ever reason he could n't or would n't deliver on that and asked me if a used vehicle would work and I agreed for a low mileage XXXX. On XX/XX/XXXX we closed a long distance transaction on a XXXX XXXX XXXX. All of XXXX 's paperwork showed this vehicle as a XXXX XXXX XXXX XXXX. However I later learned that this was actually a XXXX model with XXXX miles. XXXX XXXX, XXXX, Cell XXXX, was the sales person whom I did n't speak with until all paperwork for signatures for purchase. Whenever I phoned XXXX to inquire about the delay in moving forward with my purchase he never indicated that financial institutions were declining me. Then after we closed the transaction about six different financial institution 's decline letters began arriving. This gets us to my perception that this was a fraudulent loan transaction. And I just paid off my loan effective XX/XX/XXXX. <P/>As indicated earlier I personally met XXXX. So he knew that I was XXXX XXXX. One of the several attachments that I 'm forwarding you shows my then credit score was XXXX. Therefore I 'm confused about the justification or merit in enjoying a 7.59 % T. D. Auto Finance loan also evidenced on one of the attached documents. Finally it is my hope that reasonableness and fair play, equity is yet available even at this delayed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : 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 2017-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
on  XXXX   XXXX     2017  i send a certified letter  to DIVERSIFIED ADJUSTMENT whi ch was received to them on  XXXX   XXXX ,  2017  to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on  XXXX   XXXX ,    2017  i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
WFDS  -  XXXX  Tried to get late payment off of  XXXX  credit reports record because this account has been closed as a charged off for years and I am not liable.

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 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have reach out to these oeople an the credit Agency and not happening.Ive had my identity stole.This has cause my life an credit to not succeed.please take action.This are not me.I live in XXXX Florida. <P/>XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX These companies after serveral letters they keep restarting the collection.that not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
see attached letter, dated XX/XX/XXXX and attachments 8 pages

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 2017-07-04 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: DE

Complaint narrative:
XXXX  -  XXXX  Tried to get late payment off of  TransuUnion  credit reports record because this account has been closed as a charged off for years and I am not liable.

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 2017-07-04 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a XXXX with the XXXX XXXX and currently have a home loan with Wells Fargo Mortgage that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and XXXX against the late payments displayed on my account with Wells Fargo. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from Wells Fargo, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to Wells Fargo Financial at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the Wells Fargo fake account scandal. <P/>I have been in law enforcement for 15 years and in my a career in law enforcement honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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 2017-07-04 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: ND

Complaint narrative:
I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : 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 2017-07-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been 6 months and Experian Credit Bureau is still reporting  XXXX  unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than  30  minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved.   XXXX  Experian Report #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I decided to purchase a roundtrip plane ticket with XXXX XXXX from XXXX to XXXX. The plane ticket was purchased at around XXXX local time. Early the next morning I realized I had to change the timing of one of the flights and called to make the change. I was told by the phone representative there would be a change fee. I inquired about the fact that whenever Ive flown another airline I was able to change or cancel my flights within 24 hours for no fee. I asked about canceling the whole ticket and rebooking online. I was told there would be a cancelation fee as well. With a feeling of remorse and feeling disgusted, I relented and paid the fee. This occurred before XXXX on XXXX XXXX, XXXX, a mere 12 hours after the booking. The total amount for the change fee was {$560.00}. <P/>Some time after this, when meeting with a colleague who is a lawyer, he pointed and explained to me how theres a US law that explicitly states that ANY airline, domestic or foreign, that is traveling TO or FROM the US must allow 24 hours free cancelation to whoever books a ticket originating or departing from the US. After learning this I was outraged. I called XXXX XXXX demanding a refund for the change fee and was told no. I decided to dispute the change fee transaction with American Express, the company I decided to charge that transaction with. I submitted a written explanation along a copy of the US law. I was told no. I resubmitted the information a second time along with another explanation and was told no over email. I cant get a hold of anybody from the disputes department, and theres no way anybody can pass a message. I decided to cancel this specific account with American Express and Im becoming an advocate for people not to use their cards. However, they are not proceeding in the correct way since they are not siding with me in this particular case, a US citizen following US law. My goal with this complaint is to hear directly from American Express fraud and disputes department with an explanation of why they are not siding with me and not following US laws and regulations. It is amazing that a foreign company is ripping off a US citizen, and the American company responsible for helping me is siding with a foreign company. <P/>Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief