vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 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: FL

Complaint narrative:
I made a wire transfer that should have taken 1 day to come in for {$1900.00} to XXXX using my XXXX XXXX XXXXXXXX account. XXXX sent the wire over and XXXX has the money. I followed step by step and walked through with a support agent on the phone and they told me I did everything right. 

Their response was through email : Hi there XXXX, Im happy to look into this for you. Can you provide the following information? 
-Date transaction initiated -Name on the depositing account ( please include all names if its a joint account, or business account ) -The amount sent -IMAD number/Reference number for the transaction This will assist us in locating your deposit. 

Thanks, XXXX Support Team -- -- -- I replied back 5 mins later : Date transaction initiated : X/XX/2018 Name on depositing account : XXXX XXXX Amount Sent : {$1900.00} Reference Number : -- -- -- -- - ( not sure if i should include this ) -- -- 4 days later no response from their team and they refuse to give an ETA on when the wire will transfer when it was supposed to be a 1 day transfer. I even paid the extra {$10.00} fee for the 1 day transfer, and now we border 4 days, no response, no ETA, no communication. 

This is ridiculously absurd because tons of people have had issues with XXXX wire transfers not coming in through as promised. Reading up on some stories, it took a 1 day wire transfer 1 month to come through and several other testimonials with things like this. 

Please help me get what was promised from the company XXXX Thank you, Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax several times pertaining to some inquiries I did not authorize. Equifax informed me to contact the creditors, but the creditors sent me back to Equifax. Equifax later reported once I called back like the fourth time that an dispute will be made for the inquies and they should fall off within 30 days and that was in XX/XX/XXXX. I called back in XX/XX/XXXX and was informed the inquires duspite was submitted wrong, so she was going to re-do it. Just for me to call back this month and they are stating they can not delete inquiries. I did not authorize these inquiries. I had put fraud alerts on all three credit bureaus, just for them to give me the run around. I have spent hours on the phone trying to get this issue resolved and they are not doing anything to assist, besides coming up with different lies to tell. I would like these inquiries to be removed.

* XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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: OH

Complaint narrative:
Multiple times, I have written to Experian to delete accounts that I am no longer an authorized user on. As of today, I got another alert back from Experian saying that the account remains. Yet, in their system, these accounts are coded as " Authorized User '' " Terminated ''. These accounts are not my responsibility and, furthermore I am not listed on these accounts anymore. The companies tell me that since I am/was not the account owner they can not talk to 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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time onXX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but XXXX XXXX has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.

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 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything. 

Please get a cease and desist from me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX a representative from Personal Finance Company called me from XXXX, MD. She called threatening that they are going to garnish my wages. This has caused me a lot of stress. She called again on XX/XX/XXXX. I feel like I am being harassed and bullied by this company.

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 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Fraudulent charges were reported by me to my bank ; These were charges from XXXX XXXX and were made through my phone account. I was given a temporary credit. The bank, Bank of America later said that they investigated the charges and denied them. I appealed their decisions and gave them information from my phone company XXXX with the information that I had attempted to resolve the matter with my phone service provider. It took months and again the charges were denied.

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 monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My primary checking account with Bank of America had a balance of {$40.00} and a scheduled payment of {$34.00} was debited on Monday, XX/XX/XXXX which left a balance of {$5.00} in which I transferred to my joint account. This transfer left my primary checking account with a XXXX balance. However, that following day ; Tuesday, XX/XX/XXXX my primary account was debited for {$400.00} which resulted in an overdraft plus a {$35.00} return item fee. On Wednesday, XX/XX/XXXX, the {$400.00} was returned and my balance was a negative {$35.00} then later on that day, BOA reversed the XXXX payment and placed it in a continuing processing status, applied the {$34.00} to the {$400.00} overdraft reducing my overdraft balance to {$370.00}, then placing the XXXX charge of {$34.00} back to my account so that they could attach/profit from an additional overdraft/insufficient funds fee of {$35.00} leaving me with {$70.00} in fees - so far. After speaking with an account representative and informing her of how BOA changed my transaction postings and the fact that I was fully aware of the order in which they should be posted ; she attempted to explain further and I explained to her that I had pictures of the transactions as well as their dates. She stated that on her end, she could not see what I was speaking of and kept telling me that the XXXX transaction had cleared on XX/XX/XXXX and I kept telling her that it was still showing as " processing '' but was debited from my account on Monday, XX/XX/XXXX, then reversed and held to allow the {$400.00} to be processed - so again ; I offered to provide her with the pictures of the transactions but she stated that they could not accept pictures. Both of these items were ACH items and the XXXX item was dated for XX/XX/XXXX and the {$400.00} item was dated for XX/XX/XXXX. Then she stated that it was probably because I was using my mobile device and I told her that I was not as the information was displayed on my laptop. She then proceeded to place me on hold to review my account and see if I one of my fees could be waived but then told me that based on my relationship with BOA ; this could not be done. This is not the first time that I 've had a similar issue with BOA and they tell you the same thing every time but continue to rip off their consumers. I then informed her that I already sent a complaint to the Bank and will also be filing additional complaints because I felt as if this was unfair.

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 2018-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I noticed a double MIP payment on my Bank of America mortgage statement and called to question it. This has happened once before and I was told by the customer service agent that my mortgage was being transferred to XXXXXXXX XXXX XXXXXXXX. I researched the company through Consumer Affairs and discovered numerous complaints from customers. I called BOA and told them that I was totally against this and that they should be protecting me from such inferior servicers. They stopped the transfer. Last month I noticed it again, I called and they refused to give me any information and told me I would be getting a letter in the mail. Two weeks later I received it saying that as of XXXX XXXX, 2018 I would be transferred to XXXX. This is totally unacceptable and I emailed them again to complain that this is a terrible mortgage servicer and fear my mortgage could be in jeopardy because of their terrible customer servicing. I am up to date with my mortgage and their is no reason for this transfer except for a profit to BOA at my expense. This practice must be stopped and is hurting many homeowners who are struggling. I fortunately am not and want to keep it that way. It is BOA job to protect it 's customers from these type of servicers or inferior service. It should be nothing less of what they offered.

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 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
Is byrider/XXXX lured me into a predatory car loan by selling me a car that is defective.. The car is worth a fraction of the amount it was sold for and it is defective and unsafe to drive.. Within the first month the car was in the shop because I experienced the car shutting off while driving.. The car has been in the shop every month for this same problem and every time they say its fixed I experience the same thing of the car just shutting down while I 'm driving. Recently this has oucured 3 times in 1 day and happened on the highway and almost got me seriously injured or killed by a 18 wheeler.. I 've been paying for this car for 8 months and have n't driven it the last 2 months.. I 'm well within my warranty for mileage.. I do n't feel the car is safe to drive and not worth the amount I would be stuck paying. Which will be even more with the 21 % Apr.. I turned the car in on a voluntary reposession..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.

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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2008 I went through the HARP program and paid all monies told to pay which were held in an unapplied account. Based on this situation the lady that called me last week told me pretty much " to Bad '' I have never ever made a late mortgage payment even if I did get to eat.I pulled my annual credit report this year to find this inaccuracy. I have filed a complaint to Wells Fargo and to the credit reporting agency. There show derogatory mark on the credit for this mortgage ( XXXX ). The lady was rude and told nothing would change on my report. It is inaccurate and I want it fixed

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 2018-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MI

Complaint narrative:
Parent Plus with Great Lakes. Original amount was XXXX ( XX/XX/XXXX ) and now is over 19,000. I have paid since the onset of the loan in XXXX. I have somehow been duped, lied to and placed in a never ending payment plan. How does this happen? I was unable to secure another loan to pay this one off. I DO NOT believe this type of interest gouging is legal- if this is- SHAME on them and the Fedreal Government for allowing this agency to take over these loans. I am more than happy to pay off the original debt. This new debt is way beyond my original agreement. I have been swindled. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D2 Management LLC
State: VA

Complaint narrative:
XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
First, I should not be charged the late fee, as I didnt know what I had to pay, since I had filed previous complaints with the CFPB and was waiting for them to be resolved.Please refund late fee and interest charged.

On the the interest, I logged on recently and noticed my rate is now 29 % ( apr I believe ). I think if anything, and according to the Obama Credit Card reform act, my rate, after paying more than the first six months off on time ( Im almost positive if not more than six ) should have gone down. I havent kept track so much but I doubt I had started with 29 % rate. So to sum up, please lower the rate based on the law I mention, and refund the interest and late fees. For XX/XX/XXXX for example, I was given a refund of both but never had a chance or knew what I should pay before Capital One considered it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are two accounts that are PAST the statute which I have brought to Experian several times with no outcome and need help. I even filed a CFPB on XXXX XXXX and they did n't even respond. This has to stop and it is violating my rights XXXXXXXX XXXX XXXX XXXX - PAST THE STATUTE REMOVE Plus Four XXXX - PAST THE STATUTE REMOVE THIS IS A LIE, I NEVER TOOK OUT ROYAL MILES IN 2013 THIS IS OVER 7 YEARS OLD AND YOUR COMPANY IS VIOLATING MY RIGHTS

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 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since 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