vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX around XXXX I attempted to buy {$1500.00} worth of BTC from coinbase.com My bank refused the charge.

On XX/XX/XXXX I noticed that I was not able to login to the exchange XXXX. I would get the message " error, please contact support. '' On XX/XX/XXXX I called in support at XXXX to ask what happened and they told me my account was flagged because of the charge refused by my bank on coinbase.com.

Please note, I can login to coinbase and NOT XXXX.

On XXXX  I have approximately {$8600.00} on that exchange in my account that I can not access.

The company coinbase has on file, my fingerprints, drivers license, bank statements, passports etc. More than enough to confirm that my account has no fraud activity on it.

I emailed the company on XX/XX/XXXX explaining what happened with my bank and clouded screen shots of emails as well as copies of bank statements. They responded and told me the following " For fastest response, please do not create multiple tickets about your issue. '' It is now XX/XX/XXXX and I still can not login to my account and therefore have no access to my money.

The company is holding my money hostage with no proof of fraud- in fact I have been fully cooperative in linking my bank accounts and providing all identification to prove that I am myself, XXXX XXXX XXXX . I am a XXXX XXXX XXXX with the state of Connecticut and a citizen of the United States and do not appreciate a financial exchange robbing me of approximately {$8600.00} by not allowing me to access my money.

At this point I have called them onXX/XX/XXXX and XX/XX/XXXX and receive similar responses from the customer support team ; that my case is going to a specialist and that I have to wait for a undefined span of time. Also that they can't " tell me that information '' when I ask questions regarding my account.

At first they claimed it would take 4-5 business days to resolve. That time frame has now been surpassed.

I have looked into this issue and it seems that many customers have had a similar issue. The Coinbase/XXXX company blocks people from logging into their accounts and blocks access to their money from anywhere from 1 week to 6 months or longer.

Also since the chargeback occurred on coinbase.com there is no reason why I should be blocked from accessing my money on the gdax.com exchange which is separate website and exchange. I didn't even know that they were under the same ownership as they appear as two separate sites.

Please help me in this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and Experian and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX   reported on my credit as paid in full because two different insurance companies paid them.

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 2018-03-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with Wells Fargo dealer services. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with Wells Fargo, I paid for the GAP insurance through Wells Fargo as well. After the car was totaled I never saw the vehicle again. Wells Fargo was Paid by XXXX XXXX, Wells Fargo had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and XXXX and they arent even contacting Wells Fargo Dealer service because I receive updates like two days later saying investigations complete. Please help. I want Wells Fargo dealer services reported on my credit as paid in full because two different insurance companies paid them.

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect is a third-party debt collector located in XXXX, Texas. My daughter leased an apartment with XXXX XXXX in XXXX, Texas. While living there, her upstairs neighbors had a water leak that caused damages to my daughter 's apartment. She notified the apartment complex management, and they attempted to fix the damage. The carpet in one of the rooms was soaking wet and the complex attempted to dry it out. After she moved out, the apartment complex stated that she owed them for the cost of the carpet ( {$250.00} ). She denied being the cause of the damage. The apartment complex sold this debt to Procollect. I was the surety on the apartment lease. Since the damage was caused by XXXX XXXX 's negligence, I told Procollect that XXXX XXXX was at fault and we were not responsible for the damage to the carpet. I sent Procollect documentation regarding this. Procollect says that it is a valid debt.

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 2018-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
the company Carrington mortgage, is trying to foreclose on our home, they are trying it as of now XX/XX/XXXX, claiming we missed on our payment program, they are now in the process, of trying to foreclose on us giving us no opitions, they are being very sneaky not wanting to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, Equifax and XXXX and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue. 

To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX  who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again. 
On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This company, the CBE Group, has been harassing me non stop though my phone is on the do not call registry and has been for years. I dont owe any debts. This company claims that I owe money, wont disclose amounts or information, and calls my phone morning and night, at least 5 times a day. They do not leave voicemails and non stop call even when declined. I need this business to leave my number alone. They call when I am at school and work and are very bothersome and disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They always call me when i do not do business with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Issue : Potential Violation of Maryland Property Laws Section XXXX   Deed in Lieu of Foreclosure Executed Before a Default is Invalid in Maryland XXXX XXXX XXXX re-assigned the Deed of Trust in XX/XX/2017 to Bank of America N.A., ( debt collector ) and recorded it with the Land Records Circuit Court. This practice is a potential property violation in Maryland. Furthermore, I was never informed of this process and have never consented to it.

The unlawful practice of this Deed in Lieu of Foreclosure and the fact that I am not made aware of what is happening in the Land Records is an obstruction of my due process of law.

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 2018-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX received a HAMP modification. currently and have always been current with my mortgage.XX/XX/XXXX started receiving bills from another mortgage company, SN Servicing , at first was throwing away thinking was a scam. then received notice of default, so I called them, they claimed to own my second. equity line of credit. told them I had been modified and should no longer have a second. after threatening to foreclose I came to agreement paid {$2000.00}, then started payments of {$320.00}, for about 4 months. whole time thinking something is not right. after speaking with real estate agents, they also said something is not right. second should have been taken care of in MOD. paid lawyer {$600.00} he said same thing, looks fraudulent.

after months of research, the numbers in payments added up to it being taken care of but couldn't find anything in writing. Then got sale date. paid {$3500.00} to another lawyer he said same thing, looks fraudulent. filed chapter XXXX to stop sale. after his research found that the company XXXX XXXX XXXX that handled my MOD was shut down and disbarred for fraud. so 13 fell through due to finances I am back to sale date, from SN Servicing. after not receiving any bills or any kind of notices for 10 years they a foreclosing and asking for {$90000.00}, original loan was {$54000.00}, they are charging for all back bills due and fees, and foreclosure fees. denying to look at any modification. this was not a failure to pay due to financial hard ship but was not paid due to me not knowing the loan was valid. Now they are not wanting to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I received a letter ( attached ) datedXX/XX/XXXXfrom Capital One Credit card company informing me that my credit card was closed on XX/XX/XXXX. On Monday XX/XX/XXXX I called the customer service phone number to inquire about this account because I never applied or received a credit card from Capital One. The customer service representative was able to locate the account but would not give me any information and denied my request to speak to a supervisor. He said that he can not tell me any information unless I provide him with my SSN while I felt uncomfortable to provide this information over the phone specially with a possibility of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I remotely deposited a check in the amount of {$2000.00} on Friday, XX/XX/XXXX into my Charles Schwab checking account ( account number ending in XXXX  ). As of Tuesday, XX/XX/XXXX, the funds were not made available despite telephoning the bank to request the funds be made available. The customer service agent insisted that the bank had rights to hold the funds until Thursday,XX/XX/XXXX even though I said that funds deposited via check should be made available by the next business day, which would be tuesday XX/XX/XXXX at the latest.

Very disappointed that the customer service agent did not escalate my request despite my efforts to explain the funds availability requirements under applicable federal law.

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 2018-03-27 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: CT

Complaint narrative:
I was paying my car loan monthly when I went out of the country for a few months. I continued paying while I was out of the country and the car was parked while I was away. One day I got an alert from XXXX XXXX telling me that a repossession had been added to my credit report. I contacted my loan provider asking why my car would be repossessed when I am paying and the rep said my car was towed for parking tickets and they repossessed the car from the tow yard. I explained that I was out of the country and wasn't even aware that my car had been towed. They told me I would have to pay this huge dollar amount to get the car back which included two fees that they said they paid to get the car. I told them I could be back in the US in about a week and by the time I had gotten back they had sold the car. So now I have no car and a repossession on my credit report. I want this negative reporting removed because I was never even allowed to rectify the situation and I paid my own note every month.

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, XXXX and Transunion about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXXto the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, Experian and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.

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 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been with Navient for a long time trying to repay my student loan. They made it really hard for me to bring the principal down. In several occasions I also paid an extra amount above the regular monthly payment but I did not see any evidence that I was making any progress. So, I decided to refinance with a different student loan company, XXXX. They approved my application for refinancing and sent the payoff check for {$120000.00} to Navient on XX/XX/XXXX. According to XXXX, the payoff check was cashed by Navient on XX/XX/XXXX ( unfortunately XXXX   sends the payoff checks via regular mail, so it takes a while to reach the other lender ), but my loan still remains unpaid and the interest keeps accruing on both the Navient and XXXX  loan. I contacted Navient today and I was told that they have no records that a payoff check has been received by them. This is totally non-sense since they cashed the check. How long do I need to wait to see my loan with Navient paid off? Since my loan with Navient is still outstanding, on XX/XX/XXXX I sent another monthly payment to make sure I am current with them.

Company response to consumer: Closed with explanation