vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On the XX/XX/XXXX, I made a XXXX SEPA transfer from my XXXX Bank Account to Coinbase Account in XXXX XXXX Account. I noticed something could go wrong as I made the transfer in GBP to their XXXX account. 

So on Thursday XX/XX/XXXX I sent them an email ( XXXX ) asking them to look into the transfer and to tell me what was going on. They gave me an automated template reply and that was it. 

On XX/XX/XXXX I sent them another e-mail asking for information again. 

During the following 10 days, I spent my time searching the net for contacts, feedback from other users and sent a couple of XXXX to Coinbase account. Nothing still. 

On XX/XX/XXXX they finally replied telling me how to do a SEPA transfer. Nothing relating to solving the issue. 

XX/XX/XXXX I called my bank ( XXXX ) and they confirmed the money had been received on XX/XX/XXXX and it would most probably what is called a Holding Account. So I took that information and sent them another email with all the details of the transfer. Name, date of transfer, amount, IBAN, SWIFT, Unique Transfer Reference Number and Account Reference Number. 

On XX/XX/XXXX, 3 tickets later, I sent them another email, this time threatening action. 

On XX/XX/XXXX, they finally email me back asking for proof of transfer. A screenshot of the payment that shows the IBAN and a portal address for me to upload to. I did straight away. 

Until now, nothing else. 

I understand I made a mistake. I 've never done a SEPA transfer and the currency option got completely overlooked. BUT 13 working days for a transfer that should take around 1-3 working days is a JOKE. 22 days in limbo without knowing what has happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Texas Guaranteed
State: FL

Complaint narrative:
XXXX/2018 I called the company to respond to a demand letter. 
There were many personal questions they were asking including information about my medical history and prescriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I sent two cease and desist letters to XXXX XXXX XXXX concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on 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 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am so happy that XXXX XXXX finally reported about you, CFPB, failure to look into Wells Fargo HARP refinancing program. 
I contacted you..complaint # XXXX regarding XXXX failure to adhere to the guidelines and in return you did nothing but send me back to XXXX!!! 
The problem is still there and XXXX is still trying to con me. 
You failed me and many other XXXX mortgage holders and I am so angry!

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 2018-01-03 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: STATE FARM BANK, FSB
State: LA

Complaint narrative:
I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are things on my credit that I have already taken care of, and they have taken some things off of one reporting agency, but not the other ones.

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 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have Paypal here to service my XXXX XXXX.    XXXX
I have used you about 7 years and all of sudden had 4 chargebacks in one month.  The first $XXXX  I didnt even recognioze the customer but they said maybe someone paid with a stolen card or their grandmothers card.  I called you 2 days and each time wait hours on phone.  I asked would they ask the dispute if they had card stolen and they said they would but they didnt.  They were not going to help so I just paid the $XXXX and they waved the $XXXX  chargeback fee.

I then got 2 chatgbacks from the same customer  XXXX XXXX on different days and I called him and he said he didnt dispute anything so he came and paid me but I had to pay 2 chargback fees.;  Please read the following email from XXXX.  He nor his credit card issujer have no idea why the money he paid was sent back   So Paypal is Gyping me out of fees.  The customer sedrvise is antagonistic n and I have probably lost 2 customers.;     this is XXXX email

Re: Case update: Case XXXX XXXX	   
Tue, XX/XX/XXXX XXXX XXXX XXXX XXXX (XXXX)
To:you Details
XXXX, I called my XXXX XXXX customer service and asked them for any disputed charges from PayPal. They said that there were 2, $XXXX charges in XX/XX/XXXX from Paypal, XX/XX/XXXX and XX/XX/XXXX. But for some reason Paypal credited the payments back to the account on XX/XX/XXXX, but they didn't have a reason why. So, the charges did initially go through, according to my XXXX XXXX customer service. They wanted me to call Paypal and find out why the payments were credited back to the account. I did try calling Paypal, but they were not too cooperative since it was not my account. Please let me know what you find out.

XXXX XXXX 
XXXX 


-----Original Message-----
From: XXXX 
To: XXXX 
Sent: Sat, XX/XX/XXXX XXXX XXXX
Subject: Re: Case update: Case XXXX XXXX

Or I thinnk you can call Paypal resolution center and give them the case numbers and they will tell you what to do.   I can not close the case from my end becausae as far as they are concerned it was opened from your end  so they resolved the case by taking out the funds (and thats ok because you paid me but they also have $XXXX charge back fee for each which I paid......... here are the 2 cases again
Case ID: XXXX
Case ID: XXXX


XXXX XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
Due to an error in my bank account, a scheduled mortgage payment could n't be processed and was returned to the mortgage company, Flagstar Bank. Unfortunately the payment was scheduled while I had some funds coming in and some going out. This was the first time this happened. I have since received a letter from the bank informing me that I can no longer make online payments, and now funds need to be received in certified funds. The problem is, my mortgage payment is so high that when I go to either purchase a money order or send money via XXXX XXXX it is flagged as suspicious activity or exceeds the amount I 'm allowed to send. It seems incredibly unfair that, not only do I get slammed with a Non Sufficient Funds fee, but then the easiest way to pay the mortgage is taken away. I spoke with Flagstar Bank and they refuse to restore online payment, despite my explanation of how this is complicating sending my payment in.

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 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX 2017 I received an offer from Citibank for an AAdvantage Platinum Select World MasterCard which included XXXX bonus AA miles for spending  {$4000.00} in the first 4 months. When I applied, I was given a different offer which required spending {$3000.00} in the first 3 months. When I called about this, the CSR told me I was eligible for the bonus miles on the card which was approved. Now I have met the spending requirements, and Citibank is refusing to make good on their offer.

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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, EQUIFAX. XXXX AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE 10 YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wired {$4600.00} from XXXX trust to my bank Chase. The money was transferred on XX/XX/XXXX. I later found out that the account information i wrote was incorrect. I called Chase bank and they transferred me to the wire department to start the case ( XX/XX/XXXX ). They gave me a case number wich is XXXX I called almost every day for updates and finally on XX/XX/XXXX they told me, they were unable to retrieve all the money, they were only able to retrieve {$410.00} on XX/XX/XXXX. They said i should get legal actions because they are unable to help me or give me any updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I co-signed on a student loan with Navient with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted Navient and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. Navient 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to Navient, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Loan matured XX/XX/XXXX.

Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XX/XX/XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I signed up with XXXX XXXX XXXX in 2016. I agreed to pay a certain amount and when they started debiting a entirely different amount. I sent emails to the representative that helped me sign up with no reply. I have made multiple calls to XXXX to try to resolve this with no success. This is well documented with XXXX. I was mislead and never given a reason why the premyamount changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened account with bank in got scammed out of money from someone when I was XXXX I fell for the quick money scheme because I needed money

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 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
this company is reporting to credit companys with no legal right to do so, i have no contract or agreement to pay with this company or entity there of, i have attemted to contact this company numerous times to no end, they have refused to remove the account from my credit report while not proving they had any right to report in the first place. as for XXXX to whom the original debt was owed they have sold and closed the debt and my personal information to a 3rd party without my permission and closed the account and have not made any reports to my credit so there should be nothing on my credit in that regard. dates on my report by AFNI XXXX XXXX XXXX XXXX IL XXXX on date XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, I had to replace my XXXX due to hardware issues. I did not think to disable my two-factor authentication. So I was locked out of Coinbase as well  as many other accounts. All the other accounts I do business with were able to help me regain access within a couple of days. While the reason for my account lockout is not the fault of Coinbase, it is unreasonable that 30-days later I have not been able to regain access to my account. As of today, XXXX/XXXX/XXXX, I still do not have access to Coinbase likely due to a lack of staff to respond to consumer issues. 

Coinbase case number XXXX. Coinbase " escalated '' case number XXXX. 

XXXX/XXXX/XXXX, I attempted Coinbase online process to recover account using my photo ID. The recovery attempt failed. 
I emailed Coinbase and received 2 auto reply  messages including instructions on how to disable two factor authentication, which did not work. 
XXXX/XXXX/XXXX, I received another two auto reply emails. 
XXXX/XXXX/XXXX, I used their online process to send request to disable two factor authentication per their online instructions because they are not responding to emails due to volume. 
XXXX/XXXX/XXXX, I attempted their online process to regain access to my account, but the photo ID process failed again. 
XXXX/XXXX/XXXX, I attempted to call their call center and after waiting 57 minutes, I had to disconnect. 
XXXX/XXXX/XXXX, I attempted to call their call center and finally got through. They were unable to assist me, but they " escalated '' my case. The total length of time on hold and speaking with rep was 1 hr 7 minutes, with the majority of time on hold. 
XXXX/XXXX/XXXX, I received an automated email with the same procedure that does not work. 
XXXX/XXXX/XXXX, I received two additional automated messages ( which I 'd received previously ) offering  instructions, that have not worked. 
XXXX/XXXX/XXXX, I received yet another repeat automated email. 
XXXX/XXXX/XXXX, I called their call center and this time asked to speak with a supervisor. They were not able to assist me, but assure me that my case had been escalated and would be worked in the order in which it was received. Total time on the call both on hold and speaking was 1 hr 27 minutes, with majority of time on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

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 2018-01-03 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: Westlake Services, LLC
State: LA

Complaint narrative:
I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, Westlake, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX with the loan company ally financial in 2014. Not soon after I got XXXX and XXXX XXXX in the XXXX XXXX XXXX as a XXXX XXXX. I lost my job and had no way of paying it back so they repossessed it and sold it again and left me with a bill of {$14000.00}!!! When I bought the car it was only valued at about {$20000.00}!!! I feel they took advantage of a XXXX man that had a family to feed and now are trying to destroy my life so I cant even get a cheap car financed now.

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 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was US Bank. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XX/X/2017.

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