vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I received an email from from Coinbase telling that my purchase for 1 ETH placed on XX/XX/2018 was reversed by my bank. This was in the amount of {$620.00}. This amount was deducted from my Coinbase account which left my account with a negative balance. I immediately paid this negative balance of {$620.00} to keep my account in good standing. I also called my bank ( XXXX XXXX  ) to ask why this reversal was initiated because I did not request a reversal. XXXX XXXX  told me they did not request a reversal and don't have any record of this request being made. I have yet to receive this reversal back to my XXXX XXXX  account even though it was deducted from my Coinbase account. 

This reversal caused my Coinbase account to be suspended. During this time I had 3 pending transactions going from my XXXX XXXX account to my Coinbase account. 1 in the amount of {$420.00} placed on XX/XX/18, 1 in the amount of {$420.00} placed on XX/XX/18, and 1 in the amount of {$500.00} placed on XX/XX/18. All 3 of these pending transactions were canceled by Coinbase. All this money was deducted from my XXXX XXXX  account. It was never returned to me. With each of these transactions I received an email from Coinbase stating that the money will be returned to my bank within 3-4 business days. It never was. Neither was the mysterious reversal for {$620.00}. There was another canceled pending transaction that was sent from my Credit Union not my XXXX XXXX   account that I did get back. That one was in the amount of {$1500.00}. I'm mentioning this one so the emails I've attached make sense. I don't have any issues with the {$1500.00} cancellation. It's been credited. 

I spent several hours between phone calls and detailed emails trying to explain my situation to Coinbase. Phone calls were escalated to a specialist. Then I would wait over a month to get a reply. When I did get a reply I was told to try calling again in 60 days. After 60 days I was told to call again in 30 days. Nobody would look into the problem and try to fix it. In the end I received an email telling me to file a claim with my bank. I contacted XXXX  XXXX  on XX/XX/18 to see if they can help me. I called today for an update from XXXX XXXX and their answer was they are still waiting on Coinbase to get back to them. This was on XX/XX/18. I have yet to see any of this money sent back to my XXXX XXXX account. I have detailed emails and bank statements that can easily back up my complaint. Coinbase owes me {$1900.00} and I don't know how to get this money back. I'm really hoping you can help me out. Thank you for any help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I sent a jeweler a total of {$700.00} for labor to make an engagement ring using the company XXXX that is backed by my bank Wells Fargo. 

I transferred {$500.00} on XX/XX/2018 from my checking account. 

I then transferred {$200.00} on XX/XX/2018 from my savings account. 

This jeweler has never followed through in making the ring and has failed to reimburse me. 

I attempted to file a claim of fraud through Wells Fargo and was told that since I technically approved the transaction there was nothing they could do for me. 

I feel this is my last option besides filing a suit in small claims court.

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 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
My complaint is against First Federal Credit Control , INC. They apparently sent me a notice on XX/XX/XXXX about a medical bill that is owed to one of my XXXX. The amount is for {$140.00}. I do not remember receiving the notice, but I do have a notice they sent me on XX/XX/XXXX. Nowhere on that statement does it state that it was a second notice. I called and spoke to XXXX at First Federal Credit on XX/XX/XXXX. I informed her that I got the notice and I was paying the amount that I had on my Hsa card, which was {$62.00}. I payed that amount the same day. I let her know that within the month I would take care of the {$80.00} I still owed. On XX/XX/XXXX, I received an email that my credit score had gone down because of a medical debt that was reported to one of the credit bureaus. I called FFCC on XX/XX/XXXX to talk about why it was reported to an agency when I had spoke to her a week and a half before and made a payment. She was extremely rude and would not discuss the debt in a normal manner. I tried to explain that I have had multiple XXXX  this year and I am juggling many bills to different billing agencies. Her response was, just like everyone else has to do. Although that is true, not everyone has received medical bills totaling thousands of dollars with in a few month time period. I also asked XXXX when I called the second time why no one contacted my by telephone to let me know they were going to send it to a reporting agency or even verify that I was aware of the debt. Her response was that they called early XX/XX/XXXX and I hung up on her, which is not true at all. I find it very strange that she would not try back to see if the call even went through or it was the right number. The second call was very heated and she ended up hanging up on me. Is this standard practice if someone shows good faith with a payment? Are employees of debt collectors allowed to handle these situations however they like??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX. I applied for a CitiBank Citi XXXX credit card using the promotion code provided in a letter they sent me ( attached ) in mail, which stated that I am pre-approved for Citi XXXX  credit card. 

Later that week, I received a letter in mail ( attached ) asking for a copy of my US Passport or Permanent Resident Alien card. I am an XXXX  citizen currently in the US on valid student status ( XXXX status ), so I do not have either of these documents. So I called Citi customer support and they initially wouldnt tell me why they can not process my application. 

At first they said that either on the application form or on their website the immigration/citizenship requirements are mentioned, but they retracted that statement because it simply was not there. Neither in the promotion letter, nor the application webpage ( both attached ) was there a mention of requirements regarding nationality or immigration status. 

They eventually told me that I am not qualified for this credit card because I am an XXXX national and federal law prohibits them from issuing me this credit card and my application will be rejected. However, they would not tell me what rule/law they are referring to. I reminded them that on the back of the letter they had sent me it is mentioned that The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. 

Their failure to disclose this information had the following consequences for me. First, I shared sensitive information including my SSN, my address and date of birth with this financial institution, expecting that I will receive a service in return, however, according to their oral statement ( which they could not point to a written counterpart anywhere on their website or their letters ), I was not qualified for in the first place. Second, the fact that I would my credit card application will be denied is probably impact m

y credit score negatively. I spent over an hour talking to multiple representative and managers and eventually left feeling humiliated. I believe that Citis c
urrent practice in this case is both discriminatory and borderline fraudulent. 


Regards, -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 explanation
Consumer complaint received 2018-12-14 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: AFNI INC.
State: FL

Complaint narrative:
XXXX XXXX wrongfully trying to make me responsible for a Telephone bill, ( XXXX search States that AFNI is known for this kind of procedures ) XXXX  refuse to take this of my account stating that the information is accurate. 
I have never received any correspondence, the only reason I know about this is because of XXXX XXXX report. I have never used XXXX and have never ask for any kind of service they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I signed up for new linked checking and savings accounts on XX/XX/18 in response to Citis advertised offer of {$400.00} to transfer {$15000.00} from my old bank and maintain that balance with Citi for 60 days. I did that and I confirmed with Citi by online chat on XX/XX/18 that i had met eligibility requirements as long as the funds remained in the account until XX/XX/18. Citi has deposited the promised funds to my 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 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We fell behind due to repairs needed to the property. The problems has now been resolved.

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 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery calls everyday all day and late at night or early in morning. I have asked several times to stop harassing me. I do not have any money and on XXXX check and thats all I have. XXXX veteran and they dont care I have XXXX and XXXX issues. I want them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
Mrs XXXX at Island Finance frequently attempts to contact me at work after Ive told her on many occasions for months now that Im neither able to attend her calls during business hours and that my employer prohibits personal calls while on duty. Ive been clear that all communications must be made through my personal phone number and voicemail but she still insists on contacting me at work in spite of my requests. This practice is jeopardizing my employment and may in the end impact my ability to pay back my loan.

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 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 Hi my name is XXXX XXXX. My place of employment was contacted by phone number XXXX by a person named XXXX XXXX. Repeatedly trying to get in contact with me about a possible debt which I do not have any knowledge or written notification of ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A purchase was made online for product " A '', but the item was no delivered, instead a product item " B '' was sent instead, with a modified invoice without my permission or consultation. 

Vendor ignored email requests for a return shipping label, after claiming to accept returns and refunds. 

Dispute was made to citibank via secured chat, full details including product model numbers were given. But days later, citibank reversed the temporary credit after vendor claimed they delivered the product. There was no follow-up from citibank prior to this claim. I further certified that I did not received the product as ordered, but instead was met with a citibank letter detailing that I needed to obtain a written permission from vendor in order to obtain a credit refund. Despite me stating I have evidences in the 2 chat, 1 email and 2 phone calls made to citibank. They have not made any attempts to obtain them or verify them from me. 

A phone call was made to the dispute department ( XXXX answered ), here I was appalled to discover that there was no means to contact the case person in charge, that the call was no recorded, and no information from that call will even reach the dispute department., and that the department had registered my dispute wrongly as non-delivered product and had decided to listen to a one-sided story from the vendor instead of verifying or consulting me in person. 

A letter was sent via the only method to possibly ( because I do not think they read it honestly ) reach the department ( as notified by the phone rep - XXXX ). Here in this letter, I detailed all email correspondences, XXXX dispute process, chatlog, photos of product B which was delivered in stead of A, including packaging and a invoice showing what was delivered versus what I ordered. 

The case was later closed by citibank with this exact remark : " Since there is no detailed description of the merchandise or services excepted to receive, we are unable to assist you in obtaining funds from the merchant '' Citibank has presented that their dispute department is incapable of performing due dilligences in dispute cases, unable to communicate even within their own departments, and extremely unwilling to allow customer to call them out on their fails.

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 2018-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The ICBC Bank said my card had already activatedbut when I used it at stores. The card showed unauthorized. I called to their bank which located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They said they would fix this problem. However, after a week, the card still did not work. I call 4 times at least. The service attitude was horrible. They didn't listen to my problem, and hang up the phone. I thought it must be I called too much, but they can't solve this problem. Therefore, they choose to ignore this issue. They said the card couldn't use and all of their consumers had this issue. They don't how long they can fix this issue. This is ridiculous. A bank didn't how long they could let their consumers use their cards. Excuse me! And their bank located at XXXX XXXX consumers service was very mean to the consumers. I think they had a discrimination problem. They were very rude to the consumer who had an accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: MO

Complaint narrative:
The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: MO

Complaint narrative:
The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX  XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.

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 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I missed the cutoff times by a few minutes I was going through the mountains in Nevada wasn't able to log on to the internet unti XXXX Nevada time capital one has an unfair cutoff time at XXXX so people in the XXXX XXXX have less time to pay it they got the payment the day it was due and did not post it until one day after I always pay the day it's due and I talked to there reps and none of them care and supervisors are very rude I am never late but because of there early cut off time that's not fair they always get a payment on the day it's due something needs to be done about cspatial one cut off time and business practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My payment for XXXX was returned. They charged me {$40.00} return fee and {$25.00} late fee. I paid my regular mortgage payment plus both fees and even now they are still saying I have fees on the account. This company is predatory and need to stop fleecing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I have an investment savings account along with a new checking account that the company started promoting a few month 's ago all too many times access is limited due to system issues you are unable to get through to customer service due to all of the major issues with the banking platform a perfect example as of todays date is my checking account access has disappeared with no explanation or reason granite only XXXX is in the account but what if I have elected to have my whole paycheck direct deposited I would not have access to my funds and as a consumer these issues are unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I got behind on my payments in the XX/XX/XXXX, I realized the reason I was having issues is due to scheduling of my payments. I contacted Ally, they stated that I could sign up for automatic withdrawal of my account for the rest of my account if I was current on ALL OF THE FEES AND PAYMENTS. So that's what I did, Paid all of the lates fee 's and the past due payment and set my self up on automatic withdrawal. 
I paid off the car in XXXXXX/XX/XXXX-Now I'm getting bills and negative reporting on my credit report from Ally. Ally is stating that I owe more late fee 's about 400.00 more and for some reason the account keeps rolling each month and I owe more fees. My last bill from them is now around 1,700.00-I 'm not getting any answers regarding 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