vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 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:
Dear Sir, Madame, I am a client of XXXX XXXX. Just started trading cryptocurrencies in XXXX 2017. I have loaded my account with few minor transactions from my credit card, which went through straight away. I have then transferred the amount of XXXX XXXX EUR from my personal account in XXXX to their account in XXXX on XX.XX.2017. Until now the amount has not been received in my Coinbase account. I have contacted Support and opened a Case ticket with them. They requested my payment order and this is when they stopped replying to my correspondence. Because of the lost transfer, I have missed many trading opportunities. Kindly assist in getting the amount credited to my Coinbase account or refunded to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
i am very disappointed with the banking industry..i feel completely disregarded and completely discriminated against because i live on a XXXX income. i have tried via numerous places including XXXX XXXX XXXX XXXX here in AZ to get a personal line of credit in order to pay off all my bills, they have refused me with no really good reason but to use my credit score as an excuse to deny me. I have also tried an online " XXXX XXXX '' and they also refused to give me a home equity line of credit '' also using the same excuse. I pay my bills each month regardless and all i wanted was to obtain money so i can replace my carpet and do some home repairs as well as pay off all my bills once and for all. NO ONE WANTS TO GIVE ME CREDIT. I HAVE PROVEN MY CREDIT WORTHINESS VIA XXXX LEASING CREDIT FOR 4 YEARS AND THEY TOO, REFUSED TO ALLOW ME TO BUY OUT MY XXXX XXXX WHICH I NEVER FALTERED A PAYMENT ON. IF THAT IS NOT DISCRIMINATION, I DO N'T KNOW WHAT IS. I HAVE 100 PERCENT EQUITY OF MY HOME AND I DESERVE SOME KIND OF RELIEF WITHOUT BEING FORCED OR PRESSURED TO EITHER FILE FOR BANKRUPTCY OR SETTLE FOR A DEBT RELIEF COMPANY WHICH ALSO WANT UP FRONT MONEY..I CAN NOT KEEP COMPLAINING ABOUT THESE ISSUES MORE THAN WHAT I HAVE DONE ENOUGH WITH THE CFPB BUT NEVER GET RESULTS OR HELP. WHY IS THAT?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
I requested validation of debt with a debt validation letter dated XXXX XXXX, 2017 and I received no signed contractual obligation to validate the debt is mine from Compass Bank. It is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have purchased my {$400.00} bitcoin from coinbase wchich I suppose to receive by XXXX XXXX 2017 but transaction is still showinng pending and have not received aything yet. I send tons of messages to them but they did n't reply and also created many support ticket but nothing happened. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Financial Credit, Inc
State: FL

Complaint narrative:
This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I can pay these loans either with my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Escrow Disbursement Clearing, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ; check # XXXX ; dated : XX/X/2012 for {$7600.00} drawn upon XXXX XXXX XXXX XXXX was denied. BAD CHECK : I have written the company regarding the check that was denied by my bank for a replacement. The company refuses to replace the check claiming that it was cashed. I requested a copy of the cashed check showing my signature and XXXX XXXX XXXX refuses to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a charged-off XXXX XXXX XXXX credit card on my XXXX, XXXX and Equifax reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
It was during XXXX and XXXX XXXX time period, when I was going through severe hardships in my business and a new born, pilling medical bills and was not able to pay on time. The company is asking me to pay some amount which I am totally not aware of. 

CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$51.00} Tried reaching out to them a few times and they are not willing to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a charged-off XXXX XXXX XXXX credit card on my XXXX, TransUnion and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

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 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a charged-off XXXX XXXX XXXX credit card on my Experian, XXXX and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

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 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those  lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In 2017, Best buy charged me the full interest for 2 item amounts that were interest deferred : Total ; XXXX $ All interest rates across all charges/promotions were the same All payments were applied to regular purchases, even in the 2 billing cycles leading up to the period when the deferred interest expired. 
After that month, my interest rate increased by 1 % across all charges without notice. 

I noticed this in XXXX before XXXX and called Best buy rep and complained asking why payments were never applied to the deferred interest promotion. Rep said that payments are always applied to the highest interest rates yet, my rates were all the same. I became frustrated asked for 3 years of statments then canceled my card.

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 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received an incentive email from Bank of America regarding opening up a credit card. Upon receiving that email, I went online and applied. On XX/XX/XXXX I had received an email stating that I was approved and I would be receiving awards on purchases and 0 % interest rate until XX/XX/XXXX and credit line of XXXX. 
For the several months I 've had the account, I always make my payment on time and there also have been numerous times where I paid the coconut fully and recharge the account up. 

On XX/XX/XXXX, I attempted to use my credit card at a gas station and I was told that the card was decline. I immediately called into Bank of America card decision and I was told my card was closed out due to a business decision. This did n't make nay sense. I attempted to reach out to a manager to get assistance and clarification. No manager was available to speak with per representation. After speaking with someone, I was told I could request a compliant to put in to help rectify the matter and that I letter would come explaining theirs decision. 
I never received the letter and I never heard back regarding the investigation for Bank of America. There 's a great deal of evident that suggestion 's that I was targeted and discriminated against. During that time my account was closed, IO had an substantially amount of money in my account with Bank of America ; XXXX to be exactly. On a biweekly basis I had direct deposit coming into various accounts. 
I am also following up with other agencies with regards to this issue. I was a loyal client and I did n't deserve to be treated unfairly and be target, and no one following up with 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 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This card been reporting on my credit file for about three years, I went through the credit bureaus and I went through the original furnisher which is XXXX/TD bank, I informed them that this account was fraudulently obtained in my name they sent me out a fraud packet, well I think TD/XXXX sent this account to a third party and may not really be the collector however they are the ones that is reporting on my file .... but they sent me a fraud packet I filled it out paid my {$10.00} to have it notarized only to not ever hearing back from them, the investigation should have took no more than 30 days, I need them to remove this account from my file or send me the original contract for this account as stated in the fcra guidelines and I know they dont have any contract because I did not open this account .... I need them to remove this account this been going on way too long with no resolution, so I finally have to file this complaint before taking legal actions against this company ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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:
The XX/XX/XXXX I initiated a SEPA transfer of XXXX euro to my XXXX bank account. The same evening the transfer was marked as completed and I got a e-mail that I would see the money on my account the XX/XX/XXXX. 
Until this day I have not seen my money and all attempts to contact CoinBase has failed. 

It seems that I 'm not the only one who have n't received the money from the XX/XX/XXXX. And it 's unacceptable to not give your clients any information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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:
On XX/XX/XXXX, a transfer of XXXX euros was sent from my bank account in the XXXX, to a bank account owned by Coinbase. It was a SEPA transfer. Coinbase provided the XXXX, Reference Number and XXXX/XXXX code in order to transfer money into my account with them. This transfer was expected to complete within 1-3 business days. 

It is now XX/XX/XXXX and the money has still not appeared in my coinbase account. 

On XX/XX/XXXX I raised a support ticket with Coinbase. They are reporting that they are overwhelmed with requests at the moment, but state they are prioritising cases where money is missing. I got an automated response saying it may take several days to get a response. I has now been a week and I have had no response from them. 

I am now seeing an alert in the Coinbase website stating that they do not accept transfers from XXXX XXXX. My transfer was from XXXX XXXX XXXX. Perhaps this is what they mean, but never the less, its too late to report that when it is not mentioned in their guide to making payments here https : //support.coinbase.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Account set up with Coinbase - money taken very swiftly from a debit card. 

As soon as I wanted to cash out and close my account I have had to authenticate my account using a SEPA transfer of XXXX Euros. 

However even though they have sent an automated email to say they have received my deposit it is still not allowing me to withdraw funds and keep wanting me to authenticate my account. 

In total I have XXXX sitting in account which looks like I might not get back. Thank heaven I did not put more in It seems that there is no response for emails, no telephone number and no way of contacting these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have a Coinbase.com account where I have a XXXX bitcoin stored ( worth around {$13000.00} at the time I am writing this ) My account has been locked on XX/XX/XXXX when I tried to log in from XXXX. I was only on a visit that time, and I did n't know this would happen. 

It is mentioned in their article that '' your access will be restored once you log in from any non-prohibited region ''. I have done that but unfortunately, my access never restored. 

I have sent them several emails to Coinbase Support since XX/XX/XXXX to resolve the matter but they replied only once saying that they investigated the issue and working with a specialist to address it properly. And I have heard nothing since then, despite repeated follow-up attempts by me ( email correspondents attached ) Case # XXXX. 

I am a XXXX XXXX XXXX resident for many years now, working in a US based company as XXXX XXXX. I traveled to XXXX for a visit as it 's my origin country, though I am not related to any XXXX group and I am not using this funds in favor of any XXXX activities. Even -if I 'm not mistaken- that the US economic sanction has been lifted from XXXX. 

I attached copies of my XXXX Resident ID card, Driving License and XXXX XXXX as a proof.

Company response to consumer: Closed with explanation