vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Vivix Credit Solutions
State: NV

Complaint narrative:
I went to XXXX XXXX over a year ago not sure of the dates to do debt consolidation. I did not use their services because I was able tor repair my credit on my own. They call me every week to try to get me to use their services. I asked them several times to take me off of their list but they continue to call me and leave voicemail messages. This is clogging up my voicemail as well as it 's annoying me because I asked them several times to stop calling me but they will not. The phone number is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I initiated a wire transfer of {$10000.00} USD from my bank, XXXX XXXX XXXX XXXX, to CoinBase Inc. I confirmed with their bank that they have in fact received my funds. However, it is has been 2 days and I still do not have the funds in my account. I have tried emailing them 3 times and they do not respond. I continue to only get bot responses that are irrelevant to my issue. I am concerned I will never see the money. A business that manages money transfers and trades should never treat their customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX, like my other complaint, refuses to supply detailed calculations underlying loan payment changes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. 
XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. 
U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. 
I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. 
Over the past month, I have been run in circles by U.S. Bank & XXXX. 
I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. 
My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. 
It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. 
It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. 
DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? 
I want my {$42.00} back!

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 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX Sincerely 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 2017-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. 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 non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
At XXXX XXXX ET on XX/XX/XXXX, I got an email that my XXXX Litecoin ( roughly {$5500.00} at that time ) from XXXX has been deposited successfully into Coinbase. Right after that, I got onto Coinbase to sell my Litecoin. However, the limit sell order I made did not go through, and instead was in a " pending '' state for over 20 minutes. After that, it was reverted back into an " Open '' state, which obviously meant that it did n't go through. I then tried to cancel that order, and that was when I got restricted. Not only could I not sell out my currency to USD, I 've also been locked out of my account. I 've sent in numerous support tickets and also called their customer support line ( 2 hour hold ), but no one gave me any reasonable response, and my money is still held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: V and H Portfolio
State: SC

Complaint narrative:
XX/XX/2017 XXXX XXXX Call Length 9 Minutes 1 Second This was a verbal communication. Not a written communication. Spoke with XXXX XXXX at XXXX XXXX XXXX regarding my XXXX Account. She never told me she was a debt collector and she never stated the " mini miranda '' during the call. I never heard her say " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I dont even think she advised me that the call would be monitored and recorded for quality and training purposes ... Which I later found out through a manager that their calls are recorded. 

While speaking with her I attempted to resolve by mailing in a payment and she refused to provide a physical address for her company where I can mail my payment. She advised me the only way to resolve at this point was a card ; which I do n't believe to be true. She never provided an address. 

When I tried to call back to find out if they were an attorney office or a collection agency the person I spoke with told me that they have attorney 's there but she doesnt know if they called me. I feel like they violated my rights as a consumer as well as the FDCPA ; considering they were misleading ; unfair and deceptive in what she did and did not say to me during the course of the call. 

I do n't mind someone collecting a debt from me ; but I would hope that they would do it lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 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.
State: CA

Complaint narrative:
I had an account with CoinBase for about 1 month. Where I brought about XXXX dollars with of Bitcoin and LiteCoin from CoinBase. When I was exploring the app, last week, I came across a feature that said verify identity, when I clicked on it and tested it, I got locked out of the account and my account was closed. 

They soon sent me an email saying my account was closed and that I had to move my founds off CoinBase, I was able to talk to a friend and move my money out. 

I have since missed several opportunities to buy more bitcoin and litecoin and this has caused me much stress. 

I have attempted to call their phone number several times to no avail. 
I have written to them on XXXX, XXXX and on their support website to no avail, not even someone letting me know that they are fixing the issue. 

This is not acceptable, especially from a financial institution where people are dealing with money and in this case large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
The following inquiry needs to be removed immediately : Creditor Name : XXXX/ XXXX - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Requested on : X/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized.

I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ).

It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I have contacted this company to validate this account. I want this removed from my XXXX  credit report immediately as I have never done business with XXXX XXXX XXXX. I do n't owe them any money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
We have had so many problems over the past 3 years with XXXX XXXX XXXX XXXX and our rep was never available. It amazed us when out of no where our rep XXXX XXXX shows up to try to refinance our cars. My husband did his and told him he would have to talk to me because our loans are separate and that honestly I did not want to work with him. For days he emailed me and harassed me at my job. When he offered me a loan I could not refuse knocking a year off my loan at the same rate I agreed to meet with him but told him only if I could see the paperwork. When he arrived, he provided not paperwork. He told me he just needed my signature and my bank information and I was " all set. '' When my payment did n't come out I was concerned. Then my husband started getting calls on my car loan I had it and called to file a complaint. When state farm bank called me back I learned not only was my payment higher than agreed I learned my husband was on my loan. I never did an application, at no time was I asked for a co-signer, it was all very odd and rushed. My husbands credit has now taken a hit due to two car loans and we were trying to buy a house soon. Even State Farm Bank admits that some very unethical things transpired but they are not offering to fix it. If I needed a cosigner my mother would have done it for the right refinance and rate. I still do n't have paperwork on my refinance or what fees I was charged. I never did an application or signed to have my credit pulled. How can this happen. My husband swears he only signed for his loan ( or so he thought ). Very unethical practices all for a little commission. I have hired a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
On XXXX/XXXX/XXXX I purchased an engagement ring at XXXX XXXX for the amount of XXXX and made a down payment of {$600.00}. I opened up a store credit card on that day and it was zero interest. Then on XXXX/XXXX/XXXX I purchased the matching wedding band for the amount of XXXX again I used the store credit. I asked the salesman who happened to be the manager of I needed to make a down payment. He replied " No you do n't because you made a down payment on the ring you had purchased earlier '' he also informed me that I would not be charged interest and that this ring was part of the promotional plan. 
Anyways a few months go by and I check my statement online this was sometime in XXXX. I make an account on XXXX Banks website. The people who financed my purchases and I notice I am being charged interest on the last purchase I had made. I called Comenity bank and filed a dispute through them. A few weeks later I notice I was charged interest again. So I called and filed another dispute this time I was on the phone much longer and the representative seemed a lot more helpful and informed me that I should see something in the mail in a month or so. On XXXX XXXX I recived a letter in the mail stating that they are not going to make any changes to me bing charged interest since it has been 60 days since I made the purchase. 

I called Comenity bank XXXX/XXXX/XXXX and asked why they would n't make any changes I was then informed that they supposedly sent me a letter saying they would n't be charging me interest if I could provide a receipt showing I made a 20 % down payment on the last purchase I had made. I explained that when I made the purchase the XXXX at XXXX 's told me I did not have to put anything down since I had made an earlier purchase and that I was not going to be charged interest on this purchase. Anyways long story short Comenity Bank refused to help me or make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX my husband and I purchased flooring from Lumber Liquidators and paid to have them install it, using our XXXX XXXX XXXX. The installation was not completed because they were missing trim pieces. I was very unhappy with the installation ( unlevel, cuts where they should not be ) and I informed XXXX XXXX immediately. They contacted the flooring company, who was supposed to come to see the issues but did not call to do so. I had a contractor look at the issues and he ended up completely redoing the floor as it was unlevel, cut improperly and laid so badly it had to be redone. 
I filed a dispute with XXXX XXXX XXXX for reimbursement of the installation cost which I had to pay to have redone correctly. I submitted copies of the emails, pictures of the mistakes, which showed I had been in contact with XXXX XXXX immediately following the install. I had to submit this a 2nd time as Chase could not find the information after I first sent it and had not addressed this the first time. I received a letter from Chase with a copy of XXXX XXXX response, saying I had never reported the issue. I had sent Chase a detailed letter including emails that I had sent to Lumber Liquidators, which the manager had replied to, which clearly showed I did report the issue. Chase found in favor of XXXX XXXX even though I proved they were lying. I filed another dispute and asked to speak to the reviewer, but was never allowed to. I submitted multiple requests by letter and telephone call to Chase requesting I speak to someone in person, but was never contacted despite being told I would be. At this point, Chase said too much time has now passed to reverse this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I received a Good Bye Letter, dated XXXX XXXX, XXXX, from XXXX XXXX notifying me that the servicing of my home mortgage loan had been transferred to Specialized Loan Servicing, effective XXXX XXXX, XXXX. I also received a Final Escrow Review Statement from XXXX XXXX dated XXXX XXXX, XXXX. 

For the last two years my payments have been on time and my home insurance and city taxes have been paid via the escrow account. The payment became due on the first of the month and I have been paying via my XXXX XXXX online no later than the XXXX of the month. Via my online account i could view prior payments and payments made from my escrow account. 

When I logged in to my XXXX XXXX account this weekend it was not possible to pay online. When I called XXXX XXXX I was told to contact another department ( XXXX ) during business hours. On Monday morning I called and over the phone was given my new loan number with Specialized Loan Servicing and another XXXX number ( XXXX ) In the last week I was unable to contact a live human being at SLS to discuss the status of my loan and the escrow account. I have two options to make a payment Online via XXXX and XXXX XXXX with a {$9.00} fee Via an automated phone system, with a {$9.00} fee Since I have no other options Ive made the XXXX payment today, XXXX XXXX, XXXX online.

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