vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Here is the initial complaint I submitted to the FBI on XX/XX/XXXX of 2022 : " At around XXXX on Saturday XX/XX/XXXX I received an email from Coinbase stating that my password on my account had been changed. I woke up around XXXX and tried to log into my account and could not because the password was incorrect ( so it had been changed ). I called Coinbase immediately and had them lock my account. At this point my funds were still in my account. I was then instructed by a Coinbase employee over the phone to start an account recovery process. I completed the instruction and than was told that I would have to wait up to XXXX hours before I could log into my account. Sunday morning I received an email saying my account was ready for log in but when I tried to log in I still could not. I than spend several hours on the phone with a Coinbase employee trying to get access. On Monday morning XX/XX/XXXX I again spoke to a Coinbase employee about getting back into my account. It is at this time that this employee informed me that all my crypto currencies had been transferred out of my account on Sunday morning the XXXX of XXXX around XXXX. This Coinbase employee also informed me that even though this account hack was not my fault and it was their own account recovery process that unlocked my account and allowed the hacker to steal all my crypto currency that Coinbase was not responsible or liable for my funds being stolen. On the XXXX of XXXX I filed a statement with Coinbase 's investigation team and them recommended that I file a report at this location. '' After I was finally able to access my account again, I found that the dates that the Coinbase employee had given me about the time my funds were stolen were incorrect. I then filed a complaint with their complaints department. This complaints department instructed me that they were stolen on XX/XX/XXXX. When I sent pictures from my account, clearly showing them that this was not the case, they had nothing to say. They also later told me that if I had had two-factor authentication with a Google Authenticator XXXX this could have been prevented due to the fact that the hacker would have needed physical possession of my device to get the access codes. When I explained to them that I did, in fact, have two-factor authentication with a Google Authenticator , they again ignored me and responded with what seemed like boilerplate explanations about how they are not responsible for any lost or stolen funds. I have included the emails and pictures showing all this. 


It seems very clear to me that Coinbase is responsible for the loss of my funds, as I had taken every security measure they required. They have clearly contradicted themselves several times, which leads me to believe that they are trying to cover up something for which they know they are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
my account was debited {$950.00} with out my permission on XXXX of XXXX by a company called XXXX i call my bank citi bank and told them of this problem and they immediately closed my card and send me a new card in XX/XX/XXXX the bank told me they will do an investigation and get back to me, they gave me what is call a provisional ; credit while they look into the matter .however they send me a letter stating i owe this money i told them i did not give authorization to this company. i told the the company send me an email telling they have refunded the funds back to the card that was on file citi bank told me to fax the a littler of disagreement with the email from XXXX i did that on Wednesday XX/XX/XXXX and im still getting no where with them i need your help

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Regarding account : XXXX. 
I would like to report this transactions as scam XXXX XXXX XXXX {$1200.00} XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 I purchase a Hedgehog from XXXX XXXX for {$250.00} and when the pet was been sent to us via air from texas the company transporting the pet contact me saying that we needed a XXXX cage for the animal and insurance due to he fact that it was an exotic pet, XXXX XXXX told me that all those fee were going to be reimbursed once the pat was deliver but we never received the pet and now the email phone and website has shot down. 

XXXX XXXX- insurance company XXXX  My bank refuses to help me saying that this verify this information I don't know with who or when but they dont wan na help me

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 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Yes I have a car loan through credit acceptance. I have paid on this car loan XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Through the mail. For as I don't trust this company with my bank account. My total car loan for each month is XXXX but every month I buy a money order for {$330.00} which is more than the car loan. I send it through XXXX every month on the XXXX because I am on XXXX and on a set income. They gave me a due date of the XXXX. I called this company and explained to them my situation. While I'm on the phone they are either rude to me a just blatantly lie. One gentleman told me he would up the payment to the XXXX yet when my bill came in it was still set for the XXXX. For the first three months I got no late fee and where I was paying XXXX I was knocked down to XXXX. Well come XXXX they tell me rudely on the phone I was over due. And rudely typed loudly and repeatedly insenuatuing that I need to be quiet. Exact words were " you need to hold on cause I'm explaining it to you. '' Then they was told you guys would be contacted and that's when the lady vigorously and loudly started typing and being very rude. The first three payment came in between 5-6 days and XXXX payment was over 11 days late. When asked why that was the lady rudely applied with the answer that they wasn't the mail carrier and that when the payment are received she can't help or have control on how long they are processes. I have read the reviews on this company and should have read them before the car loan but trusted a dealership would have not set me up with such a rude and hateful company. The reviews that show are true because that's what has happened to me. I need this car but I am terrified that I'm going to pay for this car and they pull another stunt like they've been pulling. I really need help.. 
Thanks

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 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo approved mortgage deliberately on a few investment properties without the due process of checking documentations and qualifications, which drag me into foreclosures. I realized that I was absolutely never qualified at that time, based on my income and overall financial status. Bank offered me mortgage with no documents, no credit check. I believe this kind of act is illegal for any financial institutions. As a result, I lost so much money of my hard-working life savings.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collections on my account for unauthorized accounts due to identity theft. This includes and account for XXXX in the amount of {$100.00}, an account with XXXX in the amount of {$1900.00}, and an account with XXXX with a {$0.00} balance.

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 2023-01-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently mailed dispute documents to XXXX on XXXX. They received them via certified mail with tracking @ XXXX, XXXX. As of today, XXXX they have yet to retrieve them from their XXXX XXXX XXXX XXXXXXXX, TX XXXX, and initiate the investigation process for those documents. I have spoken to several agents and they all said that the latest documents they have from me is from XXXX. 

I also mailed dispute documents to TransUnion on the same date XXXX. They received them the same exact way with tracking @ XXXX on XXXX from their XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX. As of today, XXXX they have yet to retrieve them and initiate the investigation process for those documents. 


They have three weeks left before they have to respond or delete all disputed accounts.

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 2023-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are four fraudulent acocunt that has been opened in my name without my permission. These accounts were opened fraudulently, Ihave advised the creditors and requested documents or a contract showing my signature authorizing them to open this acocunt. They have not sent me anything in 90 days. I have also tried to file a diosute with XXXX XXXX and XXXX and they are no help. They keep referring me to the original data furnished and have told them many times i have spoken to the creditors and they send me back to the creditors. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Multiple times Ive made mobile deposits. Just recently I made a mobile deposit on XX/XX/2023 In the amount of {$3400.00} they gave me {$400.00} of it saying the rest of the funds would be available on XX/XX/2023. On XX/XX/2023 they sent me an email saying the whole check was out on hold until XX/XX/2023. They took back the money in my account causing me to be over-drafted. Even though I have been banking with them for over a year, depositing multiple big check deposits they decided to put it on hold.

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal banned my account permanently. I comply and I don't violate any of their legal agreements and Acceptable Use Policy, my account was also verified but they shut down my account instantly. 
I only have one disputed transaction, and it was immediately resolved because I already refunded the sender in full. I don't understand why PayPal treats its users in this manner. They just banned my account without prior notice, no information we're asked first in a way that I can still lift the limitation by submitting documents they asked. Sadly, they never asked me to submit those and instead they immediately shut down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On Saturday ( XX/XX/XXXX ) - I submitted a payment for the amount of {$1700.00}, which is the LAST payment of the XXXX XXXX accounting interest and principal - On that day the website went into an error ( attached ), unaware if the payment went through ( due to no confirmation email or website payment activity ) I tried again. 

- The next day ( XX/XX/XXXX ) I logged back to UASConnect.com ( lender website ) to check payment activity and noticed that the payment DID actually go through ( XXXX {$1700.00} ). I called the lender but customer service did not work over the weekend and my bank had no way to resolve it either. 

- On Monday ( XX/XX/XXXX ) I called the bak ( XXXX  ) to help me reverse the payment since I do not have the funds for those duplicate transactions. The bank places a stop payment on the lender for the payments to not go through. 

- On Monday ( XX/XX/XXXX & XX/XX/XXXX ) I called, emailed and secure message the lender to ask to reverse the duplicate transactions. the lender resolve was that " As per process the overpayment amount of {$3400.00} for your loan id. XXXX under XXXX University will be automatically refunded back within 45-60 days. Thank you! '' However, I mentioned to them I DO NOT have the funds to cover the duplicates and my account will be negative incurring fees if they do not expedite the process. 

- On Wednesday ( XX/XX/XXXX ) the payments go through. The bank bounced one of the three payments, however 2 were made to the lender. I called the lender again to please ask for a reversal of the ACH payment due to insufficient funds, no resolve. I called the bank and was advised to open a dispute to see if the lender can provide the funds back. 

Summary : My account now has a negative balance due to the lender lack of ability to reverse what is clearly duplicate payments, as well as the bank allowing my account to overdraft by more than {$1000.00} without my account having those funds and their inability to reverse ACH transactions that are clearly duplicates. 

I have attached : Bank statement, lender statement and lender website error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
My wallet was lost during a vacation to XXXX in XXXX of XXXX. I called and reported the card as lost. There was a fraudulent charge placed on my card before I could alert my Avant credit card of the loss. 

No one has contacted me to discuss the fraudulent charge. I have had to make payments and pay interest on this transaction. Ive left several messages for the investigator reviewing my case and have received no call back or communication. During my most recent call to Avant on XX/XX/XXXX I was told that I was responsible for the fraudulent charges without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CADENCE BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I went to open a account with cadence bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States I did a XXXX deposit on XX/XX/XXXX I called into customer service to get my card rushed which was a additional XXXX XX/XX/XXXX I received the card and tried to activate it I was unable too when I went back to the branch I was notified that my account was shut down do to fraud with no explanation there is nothing on my record that shows fraud at the time she gave me the XXXX left in the account but said she would have to reach out to customer service about the XXXX for rushing the card I was unable to use since XX/XX/XXXX I have reached out to the manager 2 times with no response why would I be responsible for paying XXXX for a card that was not even used today XX/XX/XXXX I reached out too the customer support team and was told there is nothing they can do I have to talk to the branch manager but the branch manager will no respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Westcreek Financial
State: KY

Complaint narrative:
On XXXX/XXXX/2023 I noticed a west creek financial account on my credit report. I have never applied or had a west creek financial/ XXXX lease or applied for one. This has happed once before with an XXXX account. I believe my information has been leaked and scammers are buying stuff online with my information. Theyre saying its for a gaming computer from an online store. Ive never applied or even looked at gaming computers. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation