vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: KS

Complaint narrative:
I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. 
The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was visiting each credit reporting agency website ( XXXX, XXXX, Experian ) to place a security freeze in the wake of the XXXX data breach earlier this year. I  was shocked to learn that Experian has a {$10.00} fee in Connecticut ( my home state ) to place a freeze, another {$10.00} fee for every time you want to temporarily remove it when youre applying for a credit card, and a {$10.00} fee to permanently remove it ( see attached screenshot ). Since everyone is automatically opted into their system once you start using credit cards and the like, it is absolutely ridiculous that they can charge you a fee for the basic control and security of your own information. 

A quick search reveals that some states prohibit these agencies from charging these fees : XXXX XXXX XXXX From that article, it shows that as of XXXX, 38 state Attorneys General ( not including Connecticuts ) called upon the agencies to remove the fees, which clearly has not been successful. 

I urge the CFPB to do what it can to stop the credit reporting agencies from charging these fees. Consumers should not have their data collected by a company, only for that company to then charge them for security services on that data. They take my data without my asking and then charge me for its security. 

Thank you very much. I know that this simple policy will help Connecticut residents and those in other states who see these fees - people of any income level - better protect their personal data without being forced to pay a fee over and over.

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 2017-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
My student loans were transferred to XXXX when I submitted my application for XXXX XXXX XXXX XXXX. XXXX stated that it would take a few months for the payments I had previously made to count toward my XXXX plan. They state that they have now completed the reconciliation of my payments, and that only XXXX of my payments for my subsidized loan and XXXX payments for my unsubsidized loan qualify toward forgiveness. They stated that they will review the file, but they have made no adjustments since that date. I do not have access to payments made to previous servicers which they say are not qualifying. The person I spoke with stated that some of my payments were short by {$0.00} and are therefore not qualifying, which is incorrect. She also stated that she could not tell why others were marked as not qualifying. She indicated that they do not have the proper information or systems in place to make the determinations about qualifying payments, and as of the date of my call only one person had actually received the forgiveness under XXXX to which they are entitled. 

Every payment I have made is a qualifying payment as they have all been full payments of the required amount under my qualifying repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I recently deposited a check to USAA from a relative in the amount of {$5000.00} on XXXX XXXX, XXXX. My relative contacted me today XXXX XXXX, XXXX and said the funds have left her account, which would mean USAA is in possession of the funds. 

This makes no sense why USAA would put my money on hold until XXXX XXXX, XXXX other than to go spend and invest that money or do other profitable banking practices. 

This is unfair and unreasonable and I 'm requesting that the CFPB please investigate USAA and these practices. I am requesting that USAA please communicate in writing only and not by phone. 

Furthermore, the same relative tried to deposit the funds before writing this check via bank wire and it was turned away by USAA, which I also do not understand. 

I am a XXXX citizen and this is causing me a lot of XXXX and XXXX. I do n't know why I must spend so many countless hours trying to get USAA to stop putting holds on my deposits and then the semantic answers I get from their customer service. 

See attached screen shots of deposit holds and screenshot from relatives checking account which shows that funds have cleared and that USAA is alienating me and is conducting unfair banking practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
XXXX XXXX XXXX, issued withdraw to bank account from the website via sepa transfer. Should arrive in 1-2 days as usual. 

XXXX XXXX, issued a ticket on the website it did not arrive. Status on website says Pending, not Completed. 

XXXX XXXX, asked again for a response. 

XXXX, received a copy paste message about a different subject ... Deposit instead of withdraw. 

XXXX, posted again Till this day no response. 

Ref Id. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Well they say they working on this it just seems there trying to delay to make me look bad so they can foreclose they know they can make money from property, And yesterday XX/XX/XXXX man went by snapping pictures of home do n't tell me Wells Fargo is up to something!! We did send another payment in XXXX so I know we are only I behind Buts that 's there fault for hiring Idiots who do not listen!!

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 2017-12-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX & XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$190.00}

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 2017-12-27 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: PA

Complaint narrative:
I applied for credit so that I may have funds as I am going thru XXXX. My credit report from equifax and XXXX were embarassing and incorrect. XXXX was accurate and contained information the was true and correct. I contacted equifax and XXXX and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards, I have banked with XXXX XXXX XXXX  XXXX XXXX for over a decade and have never been late nor missed a payment. I was told that my information was on their system but nobody could see it because the bank refused to pay their fees. But at the same time if something negative appears they have no trouble reporting that. there is a XXXX point difference between my XXXX report and my XXXX and equifax report. when I tried to resolve this problem with equifax and XXXX they would not discuss this with me. This started in XXXX of XXXX with no explanation of why my credit score dropped XXXX points in 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I sold {$300.00} worth of XXXXXXXXXXXX on XXXX XXXX. After the 3 dollar fee, I should have received {$290.00}. The XXXX wallet STILL shows this as pending to this date even though the 'arrival ' date STILL shows as Monday, XXXX/XXXX/XXXX. Obviously, that didnt happen It has now been 16 days for something that should have been relatively instant. 

I 've called over 11 times, emailed, tweeted, and have created tickets to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: FL

Complaint narrative:
Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.

As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements. 

We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements. 

We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.

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 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Although the debt attempt was not viable I paid the bill directly through XXXX. I then called Diversified Consultants, Inc. to report the bill had been paid again. Diversified confirmed the account was closed. I requested proof off payment and account satisfaction both via email and hard copy. I was told both should be received within 48 hours. I verified my email address 3 times. 9 days later I still never received confirmation. On XX/XX/XXXX I called again. I was again told the account was closed to satisfaction. I again requested confirmed and was told another 48 hours. I insisted on speaking with a manager after getting nowhere with the initial representative who stated they were helping me because they could not get ahold of the person who was handling my case. Someone representing themselves as a manager picked up the phone, said this is XXXX XXXX please hold. The phone was then left off the hook-on hold for over 30 minutes without my concern being addressed. Needless to say, I still do not have proof of payment. I even tried several times to access he online potal to print receipt myself and I only get back a message stating the account does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed an amount XXXX University charged me for attending there college. This amount was removed from all credit bureaus except Experian. Experian informed me that XXXX college said they refuse to remove and they were going to increase amount and report more frequently. This is in retaliation against me of a lawsuit I won against them for false claims to award employment to students upon graduation. I have attached this lawsuit that was awarded in my favor. All reported credit bureaus have removed this debt, accept Experian who stated XXXX refused and plans to increase debt and report more frequently as retaliation against me

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 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: FL

Complaint narrative:
In XXXX XXXX, I made an error and forgot about an automatic payment coming out of my account.. This overdrew my account ( BB & T ) - which my bank honored. They charged me a {$36.00} overdraft fee - which I felt was fair. I am on Social Security and SSI and only get my money on the 1st and 3rd of the  month - which was 2 weeks away., I was unable to " fix '' the overdraft in the " allotted '' time. I was charged another {$36.00} fee. I am tightly budgeted ( I get a total of $ XXXX to live on ) and every penny is accounted for. This additional fee caused my account to overdraw again. Another {$36.00} fee was charged. In the course of about a month - I was charged a total of 10 {$36.00} fees- or {$360.00}. I went to the bank and was told that they would not reverse any of the fees. Since I spoke to them, they have charged me additional and I am now close to {$400.00} overdrawn. I went to Social Security last month and told them that I did not want my payment automatically deposited into my account. I wanted a check. I was a little over {$200.00} overdrawn at that time.. I was told this would be done. I received my SSI check but my Social Security check went into my account - reducing the money I received by the overdraft. Again, no money to live on. Hopefully, Social Security will send me a check for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
we had a short sale in progress with a great contract offer well qualified buyers. The first mortgage was listed in 2nd place and the heloc was in 1st place it took the 2nd mortgage all most a year to get change. Finally the first was in place and we should have closed sometime in XX/XX/XXXX. The first  mortgage Mr. Cooper was double tracking then once they were in first place they tried to foreclose. I had been receiving notices that this was being moved to XX/XX/XXXX. But with less then a days notice they were going to auction the home. I had to file chapter XXXX in order to have a home to live in. This should n't have happened. I had an attorney working to get this short sale to close. We did everything possible so that Mr Cooper mortgage company would have a full payoff. But they would n't respond to our attorney.. I was very upset. I did what I was suppose to do. We have been very honest with everyone associated in this deal. But for me to have to file in order to have a home to live in after I have a great buyer who has been very patient and waiting for these mortgage companies to do the right thing. This is just plain wrong. Mortgage companies should not be allowed to double track when working with the public like this. We did n't want a foreclosure on our credit. A short sale is bas enough. Our attorney has also filed with you too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been trying to get information about how much interest I have been charged over the life of my loans since my APR is adjustable. Navient has either been unwilling or unable to provide me with statements stating what the APR has been for each year since the loan origination dates and how much money in interest I have been charged each year on my loans. I first asked them via their online email inbox which is associated with my account on XXXX XXXX, XXXX and have re-requested this information an additional 3 times and they have completely ignored my requests for information on my account. Each time I re-request the information I get an auto-reply email back stating they will have someone " respond shortly '' to my request.

Company response to consumer: Closed with explanation