vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 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: IL

Complaint narrative:
I have an account with Coinbase since XX/XX/2017. My identity got verified, and I started adding money to this wallet and transacting in cryptocurrencies. On XX/XX/XXXX, trading was XXXX on my account when I tried to add a new bank account. I sent in requests to check what the issue was, but I never received a response. After a few days on XX/XX/XXXX, I finally was able to get a hold of a customer care rep on the phone after holding for XXXX hours, who gave me a case # XXXX. She told me that she had expedited my case and specialists would be looking into the matter, and it should be solved within XXXX business days. By this time, I was not able to log into my coinbase or XXXX account. I was not able to access any of the funds in my account, conduct any transactions of buys/sells, or transfer my money to a different platform. I didn't hear from them for another month. I called customer service again on XX/XX/XXXX to check in, and the customer service rep was confused about why the case was taking so long or what the issue was, but said that specialists were still looking at my account and would be in touch when the issue had been resolved. It's been 15 days since then XXXX XX/XX/XXXX today ), and I haven't received any communication from their side. I still can not log into my account or access my funds. Coinbase is taking an obnoxiously long time to enable trading on my account again. I should at lease be able to log into my account and move the funds away if I want to. This is absolutely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since I have this auto loan from Capital One since XX/XX/2016, I've always paid its monthly payment. However, around XX/XX/2016, I asked for an extension for my XX/XX/2016 payment due to personal reason and was granted such extension. Either due to miscommunication or administrative procedure to process the extension, Capital One somehow reported my XX/XX/2016 payment as 30 days delinquent in my credit report. I talked to their customer service trying to correct the inaccuracy and was told the report was accurate. While confused, I tried multiple times to persuade them to correct it considering my excellent payment history and goodwill regardless. Yet they seems to be adamant about their decision which caused significant damage to my credit. Besides, their way of handling this is quite unreasonable and inappropriate to a loyal customer with very consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to account.

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 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery One, LLC
State: TX

Complaint narrative:
Debt which is not owed. All equipment was returned to the school. This is not accurate and I want removed off of my personal credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am writing this in hopes you can help keep a family in their home. My husband and I are hard-working taxpaying citizens. We came across some difficult times, and Chase Bank refuses to work with us, despite our best attempts to get current on our mortgage with them. 

This past year has been extremely hard on us. My husband lost his mother and his sister. This caused XXXX to miss some work. Because of this missing income, it became impossible to make ends meet. We tried our best to keep up. When we did have money to give to the bank, they refused it, saying we needed to pay everything right then. In just XXXX months, we were in danger of losing our home. 

When we said we couldnt pay that much money at once, Chase Bank said they would had an assistance program. We were provided a list of documents we needed to submit, which we did. This is where things went bad. Our paperwork was lost, misplaced, etc. multiple times. We would talk to a different person every time we called in, and they would always offer to send us information wed never get. Our application is sitting at Chase Bank, and our mortgage is getting further and further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company has called my employer several times and each time has been given reason to know that my employer does not permit it. They continue to call with various numbers and refuse to state why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: OH

Complaint narrative:
Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.

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 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Money wire deposit not received. 

I sent a wire deposit to Coinbase in the amount of {$26000.00} on XX/XX/XXXX, It is now XX/XX/XXXX. They state on their website that money wires typically take 1-2 days. This fiasco cost me {$94000.00} and counting on just one investment. I am utterly disgusted with them and they make me wan na XXXX every single day. If they cant handle to take on extra business then they should not allow new customers until they get properly staffed. I absolutely hate incompetence. It wasnt till after I read all the other complaints on XXXX about customers with the same issue before I realized I had a real, and even more serious problem. Some customers havent received their money going on two months! Im hearing rumors that Coinbase is a Ponzi scheme, that they are borrowing our money as long as they can interest free, etc. Im going with fraud/scam though because I havent received it as promised. 

People involved are XXXX XXXX and Coinbase. XXXX XXXX confirmed that Coinbase received the wire, but when I call Coinbase they tell me they have no record of it. I also have no record of any pending transaction on coinbase. So either XXXX XXXX   blatantly lied, Coinbase has it but dont want to release it to me, or XXXX has it. Thats for you guys to figure out. In this case I really hope XXXX has it because I heard if you give, you shall receive 10 fold. That would give me my losses back and some. 

My next step is to file a complaint with the BBB and FBI. If you suggest any other avenues of approach please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data

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 2018-02-14 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: OH

Complaint narrative:
Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: OH

Complaint narrative:
Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.

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 2018-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data

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 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a Wells Fargo savings and checking account in XX/XX/XXXX in XXXX. I used the account for 5-6 years but then moved to a city ( XXXX ) where there were no longer any Wells locations. I stopped using the accounts for several years ( XX/XX/XXXX/XX/XX/XXXX time frame ) and had transferred all of my money to another bank. 

In XX/XX/XXXX, I used my XXXX account to pay for a hotel room. On accident, the XXXX account ( which apparently was still linked to Wells ) used the Wells checking account instead of my XXXX to complete the transaction. The charge ( {$560.00} ) hit the Wells account in XX/XX/XXXX. 

In XX/XX/XXXX, the Wells account auto-paid {$36.00} of it. In XX/XX/XXXX, that {$36.00} auto-payment was apparently reversed ( likely because there wasn't any money in the account ). In XX/XX/XXXX,  another {$17.00} was auto-paid. 

In late XX/XX/XXXX, Wells contacted me via phone and relayed that I owed {$620.00}, which was the balance of the account at that time. Up until that point, I wasn't aware that my wells account was still open and asked to close it. They told me to pay the balance and they would close it. I paid the {$620.00} on the phone and they sent me a confirmation email saying my account was closed. 

In XX/XX/XXXX, I was again contacted by Wells Fargo and they told me I owed {$37.00}. Apparently, when I closed my account in XX/XX/XXXX and paid off the balance at the time as required, there was still a {$17.00} auto-payment that had been made. In XX/XX/XXXX, this payment was reversed ( which would make sense given the account was officially closed ... ). Per Wells Fargo, this process of auto-payment and reversal continued throughout the summer accruing fees. I paid the {$37.00} they said I needed to and thought it was all finally settled Last month, I applied to get a mortgage for our first home. When they ran my credit score, it showed the Wells had charged me a series of delinquencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was never notified of any of this aside from the two times we connected via phone and I paid them. Now, my credit score ( which has no other delinquencies ) is being negatively impacted by these Wells ' rolling lates -- two of which seemed to have been triggered after they confirmed I closed the account. 

If there is anything you all can do to help rectify the situation, I would be greatly appreciative. This issue they've created are impacting whether or not we can get this house. Thanks very much

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 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.

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 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I was a resident at XXXX XXXX XXXX XXXX apartment complex in XXXX, MO. When I moved out XX/XX/XXXX I paid all applicable fees ( rent and included utilities ) and had a {$0.00} balance. XX/XX/XXXX I received a collections notice from Fair Collections and Out stating I had a debt of {$140.00} due to XXXX XXXX. I immediately called and advised this was not my debt as my balance was paid when I vacated the property to the property manager XXXX XXXX. I also made a call to XXXX XXXX XXXX XXXX and spoke with XXXX as XXXX XXXX was no longer with the company, who advised I have a {$0.00} balance and the debt was an error. Since this I have not received any collections calls but this debt is still reporting incorrectly on my credit report. I spoke with the debt collector on XX/XX/XXXX and asked to send proof that this debt belongs to me and was advised they don't do that. They only have to verify with XXXX XXXX and if they say I owe it then that is what they go by but no one can send me any proof that this debt is factual.

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 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ON XX/XX/XXXX I DEPOSITED ACHASHIER CHECK IN TO MY CHASE BANK ACCOUNT IN THE AMOUNT OF XXXX. VIA ATM, ON DRAWEE XXXX XXXX CHASE RECHIEVE CASH FROM XXXX XXXX   FOR THE MONEY ORDER AND PLACE FUND IN MY CHECKING ON XX/XX/XXXX FUND WHERE AVAILABLE, ON XX/XX/XXXX FUND WERE SUSPENDED FOR REASON THAT ARE UNCLEAR TO ME, I LATER RECEIVE A LETTER. 
SAING MY ACCOUNT WILL BE CLOSE AND ANY FUND WILL BE MAIL TO ME. FOR MORE THEN A YEAR THEY HAVE BEEN TELLING ME THE CHECK HAS BEEN MAIL TO ME.IN XX/XX/XXXX I RECEIVE A LETTER FROM CHASE BANK STATING THE MONEY WASW SENT BACK TO XXXX XXXX PER THIER REQUEST, WHITOUT EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting an account on Chexsystems. I have reached out to the company for resolution and provided a police report number for identity theft. The XXXX PD Criminal Report case number is XXXX. The account needs to removed from my Chexsystems report immediately. It has been proven to be fraud and the police are investigating. My identity was stolen, including GA ID and SSN. Both had to be replaced and both requests can be proven by the Georgia State Department of Driver Services as well as the Federal Social Security Administration.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In last three complaints XXXX, XXXX, XXXX XXXX/CITIBANK has not addressed my concern. XXXX/CITIBANK has admitted they had wrong mailing address and wrong contact phone number on their file which is why Plastic cards or statements never delivered. 

XXXX/CITIBANK still not admitting they gave the TEMPORARY CARDS ( with my name ) to wrong person or XXXXs employee misused it. 
CITIBANK or XXXX ( merchant ) has not given me any evidence the temporary card was handover to me. I already mentioned in my last three previous complaints - I applied for the cards but temporary cards were not issued, reason given was computer issues. I need direction from CITIBANK/XXXX to tell me what they need from me to prove that? Isn't the incomplete address/wrong phone number no hint enough on your side.

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 monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Unwilling to work with me

Company response to consumer: Untimely response
Consumer complaint received 2018-02-14 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: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
On XX/XX/2018, I pulled my credit and noticed an account from Collection Bureau of Ft Walton Beach with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.

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 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Unable to pay

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
i have two equifax credit files XXXX XXXX XXXX this is the correct report ( confirmation # XXXX ) XXXX XXXX XXXX incorrect / not valid ( confirmation # XXXX ) with my creditors pulling the XXXX XXXX and not XXXX XXXX. they are unable to use my credit report. 

i do not have a fraud alert anymore. they need to get rid of the XXXX XXXX XXXX XXXX XXXX is the correct report. 
please help confirmation # XXXX is correct confirmation # XXXX is incorrect it is all in my middle name XXXX is the right report XXXX is not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
COMPANIES INVOLVED : XXXX, EQUIFAX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!

Company response to consumer: Closed with non-monetary relief