vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was in a car accident on XXXX XXXX. 2017. The women who hit us, car insurance is XXXX XXXX, out of California. My car loan was with Wells Fargo Dealer Services. My car was totaled. The process of getting the loan pay off was delayed, according to XXXX XXXX by Wells Fargo. While I was waiting for the payoff, Wells Fargo added car payments, late fees, and other fees. When I checked with XXXX XXXX on the process, they told me it had been delayed, because Wells Fargo had not sent them the information they needed to complete the process. I called Wells Fargo, who told me they had just received the information from XXXX XXXX and was processing their request. When XXXX XXXX received the information, they submitted a payment. I had gap insurance, so after the insurance made their payment, the gap insurance made theres. About a week later I received a bill from Wells Fargo Dealer Services, telling me that I still owed them and that because I was late paying them they added on late fees and if I didnt pay they will send the bill to charge off. I contacted them and spoke with the office of vice president and explained what happen and that this bill should be paid in full. They contacted me back and stated the bill was correct and if I did not pay it in full they will send it to charge off. 
Well, they did send it to charge off and then I received another letter from them asking me for the debt, after the charge it off. The people I was trying to work with to resolve this matter, is the same people calling me after the charge off. When people constantly call you and harass you, you remember them. This loan should have been paid in full. When I contacted the gap insurance, they told me, they do not cover any additional fees added by Wells Fargo. This is just not fair and I would appreciate you looking into this matter for me. 
I have included the letters they sent me before and after the charge off.

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 2018-01-09 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: CA

Complaint narrative:
have not received following 5 withdrawals : I Have not received those wires from COINBASE XXXX XXXX XXXX {$2900.00} reference # XXXX XXXX XXXX {$9900.00} reference # XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$48000.00} ref # XXXX Please update me as soon as you are able to. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute against XXXX XXXX to all 3 credit reporting agencies. XXXX XXXX advised Experian to DELETE XXXX XXXX account from my credit report. Experian has deleted all information about my XXXX XXXX account as if the past 5 years of excellent credit with them did not exist. XXXX XXXX does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.

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 2018-01-09 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: NC

Complaint narrative:
Still reporting wrong that I still owes XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: NC

Complaint narrative:
Still reporting wrong that I still owes XXXX account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have attempted to get XXXX XXXX XXXX to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to XXXX XXXX there 's is no way for me to contact XXXX XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX XXXX responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from capital one I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
On theXX/XX/XXXX I transferred funds to Coinbase ( a cryptocurrency exchange ) and my funds went in without any problem. I used those funds to buy some cryptocurrency and all was good. 

However now when I try to withdraw those funds the website Coinbase tells me my bank account is not verified and in order to verify it I must send at least XXXX euros to their bank account. 

I have done this 2 or 3 times now and still I can not withdraw my funds from Coinbase despite having tried to verify my bank account. I have since emailed Coinbase again on the XX/XX/XXXX and again on the XX/XX/XXXXand I still have not had a reply. 

I desperately need my bank account verified because as it stands it 's impossible for me now to withdraw my funds from Coinbase, they 're effectively holding my funds hostage by not replying to any of my support tickets. 

I have tried contacting them on XXXX and XXXX and they have not responded, this is my last option, I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have like more than XXXX dollars currently invested in my coin base account. 
They have suspended my account without any prior intimation or reason, it has been more than 2 weeks. 
I am not able to check what and where my money is. They dont have any customer support. They do n't pick up the customer support number. Their customer support email is in active. 
The transactions are n't reverting back to my linked checkin account too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NJ

Complaint narrative:
Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX  regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. 

If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. 

XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. 

I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. 


I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: DISCOVER BANK
State: AL

Complaint narrative:
I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3.  XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I sent Coinbase a wiretransfer of {$2000.00} and on XX/XX/17, I received an email from them saying : " We appreciate your interest in Coinbase! You recently sent a wire to your account for {$2000.00} XXXX, unfortunately we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. ". They claim on their website that it would take up to 10 business days for the wire reverse to complete but it has been over 20 days and I have yet to receive my money back. I opened a support ticket with Coinbase ( case # XXXX ) but have not yet received any resolution from their customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I submitted a request to coinbase.com on XX/XX/XXXX for help with my account. They got back to me on XX/XX/XXXX saying that A support member would be in contact with me to fix the issue. In the mean time I called twice and waited 2 hours on the phone with an operator only for them to tell me they couldnt help me and to wait for an agent to respond to my email. They even told me I would be put on the priority list. I continued to email them 5 more times since XX/XX/XXXX until today. Still havent heard a single word regarding my complaint. This has caused my funds to be unnattainable for over a month in a market that moves every hour of every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Noticed there was inquiries on my report that arent mine and Werent authorized by me at all. I sent over an FTC identity theft report to Experian also Ive called in to dispute the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/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 2018-01-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is claiming that I owned a XXXX 's credit card ( listed as XXXX Account XXXX on my report ) which they say was closed in 2013. 

I have never owned a XXXX 's card, much less an XXXX XXXX card of any kind, in my entire life. I said as much to Experian when I disputed the account. They came back and said that the account is mine, and they have proof of such that I can not have access to. My only recourse was to submit documentation or contact them by phone. 

I have no idea what kind of documentation I can provide of something having not existed. It seems like a preposterous Catch-22. Furthermore I have called them a number of times and they have not told me what that documentation is or what it could possibly be. They have explicitly said they will not tell me what kind of documentation to provide, only that I must provide " it. '' I am unable to verify with XXXX 's that this is my account since I do not have enough information about it. 

Let me be clear, this is not a delinquent account or a negative point on my report. Regardless, is it false and I do not know if this is identity fraud or just incompetence of the part of Experian but this is NOT MY ACCOUNT and I have no understanding of how to prove this.

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 2018-01-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened my first Chase credit card on XX/XX/XXXX. Since then I have opened and closed more cards with chase. I have always payed my cards in full every month and have never been late on a single payment. I have been a customer since XX/XX/XXXX with my chase checking account and have never had a negative balance, I also financed my car with chase and fully paid it off. I took some time off from getting new chase credit cards, however on XX/XX/XXXX I opened up a business card and was instantly approved. I opened another on XX/XX/XXXX, two more in XX/XX/XXXX, and most recently two in XX/XX/XXXX. I was approved for all of them. Some were approved automatically and others I had to speak with the lending team and shift credit from opened accounts to be able to open the new card. The reason I opened all these cards is because I travel a lot and like to maximize all my rewards. I never once carried a balance or had a late payment. Suddenly on XX/XX/XXXX Chase closed all my credit cards and sent me individual letters for each stating " too many accounts opened recently '' and " too many requests for credit or/reviews of credit ''. I reached out to Chase and they said the decision was final. As a customer since XX/XX/XXXX I felt this was extremely unfair. If they have an issue with opening all these cards they should simply have rules in place to not allow me to open them. I even offered to close some, or reduce my credit limit but they decided not to keep even one opened. They charged me annual fees on these cards which I have paid and still closed all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Received an alert on XXXX XXXX, 2017 stating that I had an opened account with XXXX XXXX for {$610.00}. Up until this day, I had never even heard of this company. This is showing up as derogatory on my credit report. I have made numerous attempts via mail and phone calls for someone at this company to validate this debt and or payment history along with a signed and legal binding contract between them and I. As of today, nothing. Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). If the account is not deleted, I will be forced to contact the BBB and legal counsel to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XX/XX/XXXX - XXXX ( Finance ) 2. XX/XX/XXXX - XXXX ( Finance ) 3.  XX/XX/XXXX - XXXX XXXX ( XXXX XXXX XXXX/XXXX ) 5. XX/XX/XXXX - XXXX/XXXX ( Bank )

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 2018-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I literally have Credit inquires and have no idea where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX my friend had attempted to send {$1600.00} to my Coinbase account from XXXX Bank in XXXX. Because the name on the bank account and my Coinbase account did n't match, the wire was reversed. That same day I received an email from Coinbase notifying me of this issue and informing me that the money had been sent back to XXXX XXXX. Today it is XX/XX/XXXX and the money has still not been received by XXXX XXXX. I have attempted to reach out to Coinbase regarding this issue a few times and have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of fraud and I have been trying to get the creditors listed below to the fraudulent accounts below, that I did not open. I have submitted a ; police report, FTC report and provided proper ID and these companies still refuse to remove the accounts out of my name. 

1. XXXX ( I DID NOT OPEN THIS ACCOUNT ) 2. SYNCB/WALMART ( I DID NOT OPEN THIS ACCOUNT ) 3. XXXX XXXX XXXX XXXX ( I DID NOT OPEN THIS 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 explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I reviewed my credit report on XXXX XXXX and saw that there was a negative file on my account by XXXX XXXX XXXX. 

I sent them a letter requesting them to validate the debt, however I never received and response from them. USPS Certified Mail Receipt : XXXX, shows that letter was delivered on XXXX XXXX, XXXX. 

By not responding, CCS failed to comply with the Fair Credit Reporting Act and the Consumer File Rights. It has been well more than 30-45 days since I have sent them communicated, have proof that they have received it, and have failed to respond to me to validate the account. 

This company needs to be held accountable for their violation of my consumer rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation