vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I see on the XX/XX/XXXX at XXXX the ETHEREUM was valued at XXXX USD. 
I attempted to login and sell, as indicated in the email above with the exact timestamp as evidence. You can see I informed you of my intention of selling immediately all my ethereums. 
Therefore, I complied with Terms and Conditions, in particular : " 3.2. Digital Currency Transactions. Coinbase processes supported Digital Currency according to the instructions received from its users '' In panic, seeing that I could not access my Coinbase account for hours ( same as the night before ) and seeing the value dropping significantly, I sold as soon as I managed to login which was many hours after on XX/XX/XXXX XXXX XXXX  ( reference XXXX ). The rate was much lower, I had very limited choice. 

I am very unsatisfied with the situation, this is my first experience with Coinbase, and it was very unsettling and worrying. You are supposed to be in Finance and offer decent access so the customers can access their account 24/7. What occurred was very stressful and unsettling, I even worried it was like " XXXX XXXX '' and that I would lose all my invested assets. 

Now, I am willing to continue my adventures with Coinbase, but I am very unsatisfied with the loss I have suffered due to your technical issues. 

I inform you that I am currently looking with my legal assistance, and with the report to the US Consumer Financial Protection Bureau. 

After that, I have created several support tickets in your system, each times they were answered by generic copy/paste answer not actually related to the issue, and often the tickets were closed despite me stating clearly the issue was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
I am asking for forgiveness on a 30 day late payment that is on my credit report. I understand people make mistakes and I know that the payment was late and I was going to be charged a late fee but I sent the payment in before it would be 30 days late. I was willing to pay the late fee but never expected to have a 30 day late derogatory mark on my credit report. I mailed my payment in on XX/XX/XXXX for XX/XX/XXXX mortgage payment. The reason I mailed it in is at the time Pacific Union Financial charges a {$10.00} fee for online payments. Due to the New Year Holiday and the Post Office being closed on New Years my payment must have been delayed and did not clear PUF until XX/XX/XXXX. I feel that if it had been any other month my payment would have gotten there on time. I wish they still had the envelope the payment was sent in so I can prove when it went through the post office. This is the only negative mark that I have with my mortgage company and I am looking to refinance out of my FHA mortgage and into a Conventional Mortgage but with this negative mark on my credit report I was told I cant refinance into a conventional loan for 12 months. I am seeking forgiveness on the late payment so I am able to refinance. I contacted my lender and they wouldn't listen to my situation and the reason I gave that it may have been late. I was unable to explain anything they just took my info and said they would look into it. I spoke with a PUF Refinance Officer and he was unable to see any late payments on my account and wanted to go forward with refinancing. I didn't want to have another hard inquire on my account until I made sure the 30 day late payment wouldn't come up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX Bank and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.

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 2018-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and XXXX  have removed inaccurate reporting for XXXX XXXX. Equifax needs to follow suit since they are reporting this account longer than seven years since date of first delinquency. I intend to file suit if Equifax continues to misreport. I have disputed this account over five times and Equifax continues to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MI

Complaint narrative:
On XX/XX/2018, Netspend disbursed interest into the Savings account, but then Netspend promptly withheld some of the interest income claiming that I am subject to backup withholding. I am not subject to backup withholding for the following reasons : Netspend has my correct social security number, I'm a US citizen, and I have not received any notice from the I.R.S. that I am subject to backup withholding.

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 2018-04-03 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have two areas of Concern. 

1st - For my Pentagon Federal Credit Union XXXX Credit Card on XX/XX/XXXX I received a 12 month 0 % balance transfer of {$9000.00} to help pay off another credit card. I have been paying on this credit card for 10 months. The expiration of the 0 % transfer is due to expire on XX/XX/XXXX according to my statements. On XX/XX/XXXX I called Pentagon Federal inquiring on another balance transfer for another 12 months at 0 %. In the discussion the attendant told me that any payments would buy down the first 0 % balance transfer made on XX/XX/XXXX as long as no interest or other purchases were made. I then decided, on XX/XX/XXXX to have another 0 % balance transfer of {$6000.00} to help pay off another credit card. I paid {$950.00} that month and all the money, minus balance transfer fee, went to the XX/XX/XXXX balance transfer. On my XX/XX/XXXX statement I made another {$950.00} payment where {$580.00} went to my XX/XX/XXXX balance transfer and only {$180.00} went to help pay off my XX/XX/XXXX transfer. I called Pentagon Federal on XX/XX/XXXX and asked why it was not paying off my 1st transfer and they said something about congressional calculations and they had no way of fixing or having my payments go first to the promotion XX/XX/XXXX transfer. In this case I will be paying interest on the first balance transfer until I have both balance transfers closed out. This was not explained to me and Pentagon Federal said they could not " allocate '' how the payments are done. Please help me with this as I never intended to a 0 % balance transfer cost me any interest. They are not taking the Expiration date of the 0 % balance XX/XX/XXXX into account and not considering that I still have 10 months to pay off the other XX/XX/XXXX balance transfer at 0 %. It looks like they are penalizing me on having two 0 % balance transfers. 

2nd Additionally on a separate note, It appears they changed the expiration date for both transfers from the XX/XX/XXXX and XX/XX/XXXX Statements confusing me as to when the expiration of each promotion was to end.

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 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My family and I have been experiencing a severe financial hardship for multiple reasons, most of which are outside of our control ( medical, unexpected repairs, etc ). In XX/XX/XXXX, our mortgage lender, Wells Fargo allowed us to submit a modification request in hopes that our payment would be reduced so we could keep our house. At that time the number of missed payments had not triggered foreclosure proceedings, so we had hope that after over 10 years of making payments Wells would take a serious consideration at our request to make our payments affordable, even if it was for a short period of time. Unfortunately the request was denied, and I was disgusted to find out that the reason Wells gave us ( in writing as well as verbally ) wasn't because lack of affordability, but because the Loan to Value was so low that they would missed on an opportunity to sell it at foreclosure and make a profit. We're seriously in shock at this decision. Because we owe slightly under {$200.00} thousand and the house is worth over {$300.00} thousand they would rather take it from us and sell it? This seems very unreasonable and one sided. We love our house and don't want to lose it. 
To make things worse, three weeks ago we attempted to submit a new modification as our finances changed ( not by much, but we thought it might've helped ). Well, we spoke with at least five different Wells representatives and all indicated that it was absolutely possible to submit a second modification after the first one was closed. Long story short, they kept asking us to call back every other day to check on that status, so we did, but yesterday I spoke to the sixth Wells representative, whom in a very condescending way said : " we're sorry but because you're in Texas and the bank has already established a day of sell, we are unable to accept another modification ''. I explained that five other employees had led us to believe that this was possible, and he basically said " I'm very sorry but those employees shouldn't have given you that information as it is wrong '' ... Now our only option is to try to rush a sell on our side, and we have less than a month to put it on the market, get a contract, get the buyer qualified, and close, which is virtually impossible to do in less than 30 days! 

This is a clear example that Wells is taking advantage of our good will. As much as we hate to be in this situation and know we have let our lender down, we are also humans and unfortunately life has been really rough in the last two years, but we are still alive and have the strength to continue to push forward, we're only asking for some temporary help. Unfortunately when it comes down to assisting consumers, regardless of their high level of loyalty, Wells still only cares about one thing : Wells Fargo.

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 2018-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.

Complaint narrative:
After I contacted CFPB about this Navient issue, due date was postponed to XX/XX/XXXX,  according to the attachment. Shortly after, Navient changed the due date to XX/XX/XXXX. 

Due date should be XX/XX/XXXX and not XX/XX/XXXX Last year, I sent multiple requests to Navient to correct the date of the Deferment or Forbearance or whatever you want to call it at Navient. 


My priority is to finish what I started over here ... At this point, the focus is on completing the education to become licensed in XXXX. I am doing combined XXXX/XXXX/XXXX program in XXXX. 



I owed the U.S. government much more money than Navient/XXXX. Despite XXXX  is no longer approved to receive Federal loans, U.S. Dept. of Education is collaborating and reduced my payment to XXXX per month. Navient/XXXX are known to give students a hard time. 


Again, as I can not make any payment at this time. Co-signer can not make any payment either. Stop harassing the co-signer. 


This Navient loan was processed in a cheating way via XXXX and XXXX. I applied for federal loan first XXXX and XXXX had refused to process the federal loan but XXXX XXXX private loan. XXXX   was still eligible for Federal loan. Then XXXX and XXXX forced students to find a co-signer or drop out of school. I and other victims found out about the scandal because there were two U.S. military students in school who got their Fed loans processed directly ... So it was a lie, to get student to take private loans from XXXX, instead from U.S. government. Other students, like myself, complained about it. XXXX  never provided an explanation. 


Navient/XXXX are being tolerated. If the system was functioning correctly, I and none of my classmates would sign up for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been making payments to my capital one credit card and they continue to report me as late. XX/XX/XXXX my statement ( due date XX/XX/XXXX ) stated I owed {$200.00}. I paid on XX/XX/XXXX {$470.00} ( because I also owed XXXX so at this point I was 30 days past due ) I was told this amount did not count towards my payment due although online and on the phone when I made the payment on XX/XX/XXXX the minimum due was {$470.00}. I had asked the rep why it was being reported as the minimum due on the phone via customer service, on the capital one app under my account, and online under my account info as the minimum due if it wasnt actually he minimum due. She said that she couldnt help me to file a dispute. Moving forward to XX/XX/XXXX my statement ( due XX/XX/XXXX ) reports I owe a minimum of {$160.00} I then get an email 4 days later ( XX/XX/XXXX ) saying my payment had been returned therefore my minimum was now {$750.00} Between XX/XX/XXXX and XX/XX/XXXX I received 6 emails stating that I had to pay a minimum of {$750.00} to bring my account out of collections and current therefore I paid it on XX/XX/XXXX in the amount of {$750.00} I then on XX/XX/XXXX received a notification that my account is still past due now 6 payments and that Im faci a charge off. I called the company spoke to three reps all telling me my {$750.00} payment meant nothing I needed to make another {$780.00} payment to bring it current although the emails and phone customer service and online account said minimum payment due was {$750.00} which I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or around XX/XX/XXXX I XXXX XXXX opened a checking acoount with bank of a America, on XX/XX/XXXX yu I deposit {$610.00} to my savings account that I personally opened online, on XX/XX/XXXX I was soon to realize that both my checking and savings account was closed without my consent I was now told by an online advisor to go into a branch to retrieve my funds from both account. Behold I was told on XX/XX/XXXX th by the bank manger in the XXXX branch that I need my marriage license in order to receive these funds!! I madly waited until XX/XX/XXXX th to retrieve all funds!! Sadly the check in the amount of {$610.00} was never received until XX/XX/XXXX after several phone calls wee made from the local branch to the online or main office. At this time, I feel discriminated against by the manager at the bank whom rudely told me on XX/XX/XXXX that she have been married for over 20years and she have a copy of her Marriage license in her car. This was after I don't her no one drives around with his or her marriage license. I embarrassely left the bank annoyed by her response or type of identification that was needed in order to receive over Four thousands dollars that was in my account that I still have no clue as to why it was closed up until XX/XX/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 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX sold our loan to Mr Cooper XX/XX/XXXX we paid off the mortgage to Mr Cooper and we received a Paid In Full letter and the release of our lien. We were told the escrow would be sent. 
XX/XX/XXXX spoke to XXXX XXXX. ( ext. XXXX ) She said escrow had been sent, but she would re-send it because I hadn't received it. 
XX/XX/XXXX spoke to XXXX XXXX. ( ext,XXXX ) She said the escrow would be re-sent. 
XX/XX/XXXX spoke to XXXX. He said the escrow would not be re-sent. I should wait. 
XX/XX/XXXX spoke to XXXX. She said the escrow would be re-sent. 
I have not received any mail, notice, check, anything from Mr Cooper since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX there was a collection account listed on my Equifax report with XXXX, XXXX XXXX XXXX for {$470.00} on the updated report dated XX/XX/XXXX the collections account was no longer listed ; it had been deleted. Now as of today XX/XX/XXXX the account is listed again on my Equifax report with the same collection company and same amount. This information is from XXXX XXXX. Once a collection is deleted it should not be added back with the same information originally deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Opened XXXX XXXX XXXX account with Barclays Bank Delaware transfer balance in XX/XX/XXXX. 
XX/XX/XXXX : Minimum payment {$180.00}, I paid $ XXXX $ XXXX monthly but the balance was going up not down ( even during months no purchases were made ). 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Fees charges ( not purchases ) put card over the limit although higher payments made monthly. contacted Barclays to discuss the option of lowering interest rate, question fees that brought card close to limit, refused to work with customer in good standing, never missed a payment, and always paid more than the minimum. Balance was {$6800.00}. 
XX/XX/XXXX : representative said the company would only work out a payment agreement with customers who were late on payments. 
XX/XX/XXXX : contacted XXXX XXXX XXXX  to work on settlement or payment agreement. They refused to lower interest or settle account. They suggested continue to call, they would be more inclined to agree to settle before it went to collections. I closed the account and disputed charges for over the limit fees which caused additional fees. I received a letter stating account was closed amount owed {$7200.00}, no further charges would be added while dispute was pending. 
XX/XX/XXXX-XX/XX/XXXX : Continued to contact company monthly, they continued to add fees and subsequent over the limit charges, and additional fees. 
XX/XX/XXXX-XX/XX/XXXX : Continued to speak with Barclays, again offered to settle original amount owed, minus fees. 
XX/XX/XXXX : They have sold the account and report monthly to credit bureau. Barclays Bank Delaware does not have record of our conversations and are unwilling to work with me to resolve the issue. XXXX XXXX XXXX is in charge of collections, but will not report to bureaus. XXXX will accept settlement, but will not remove it from the report. 
I tried repeatedly to resolve and come to good standing with Barclays card. Never had a late payment until XX/XX/XXXX when trying to work with them to remove the over-limit fees. They continued to charge fees past the time account was closed and involved in dispute.

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 2018-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
I had an account placed on my credit report by Afni, Inc. they have been advised that this is fraud and identity theft. I have provided them affidavits of fraud and forgery as well as police reports.

Company response to consumer: Closed with explanation