vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: FL

Complaint narrative:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I submitted a complaint to your company in XXXX. I was working with the executive complaint department with Ally. I was given until XXXX to make a payment and my car was taken last night. They came a day early even though I was given more time to get the money together.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: MI

Complaint narrative:
Sorry, your drop downs are not exactly on point. I have a Visa card through Best Buy that is services by XXXX. I  elected electronic statements. These statements do not work with XXXX. Ive notified customer service. They just repeat instructions to me. I am trying to verify that I received a deferred interest charge and I am unable to get this question answered as well. 

They are in conflict with requirements to make the terms of my purchase clear and conspicuous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
I received a demand letter for {$9100.00} due XX/XX/XXXX. However I have not received anything regarding the request for modification. I did however receive a letter with my contact phone number of XXXX which was my XXXX 's phone number who XXXX XXXX XX/XX/XXXX so the number is no longer active and I have no idea where they got the number? I have emailed the 62 page documents along with the RMA. I was told page five of the RMA was not dated but I am looking at it and it was dated XX/XX/XXXX. Please modify my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
1 / I made a first transfer of XXXX the XX/XX/XXXX from my account XXXX to my account coinbase without putting a refernce transfer. 
You sent me an email telling me that you can not process my deposit sent on XX/XX/XXXX and that I will be refunded ( see attached screenshot ). 
TheXX/XX/XXXX you have refunded my deposit of XXXX. 

2 / I made a second transfer of XXXX the XX/XX/XXXX by adding this time the reference of the transfer that I had not put the first time : XXXX. 
Despite the addition of the reference, you sent me a second email telling me that you can not process my deposit sent on XX/XX/XXXX and that I would be refunded ( see attached screenshot ). 
Except that I still have not received this second reimbursement ( see account statements XXXX and coinbase ). On these statements, you will see : a charge of XXXX the XX/XX/XXXX a credit of XXXX the XX/XX/XXXX a debit of XXXX the XX/XX/XXXX and nothing! no refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX I called CITI mortgage account number XXXX to pay an extra month in hopes of paying on the interest for the month. My normal payment was set for XX/XX/XXXX and this is set for Auto-pay. ( Note my account has been on Auto Pay for the entire year ) XX/XX/XXXX CITI attempted to deduct the normal amount/extra payment I set up, and in unbeknownst to me the payment did not process. At that point in time CITI without my knowledge suspended all Auto pay features and without my approval. Two months passed and I was under the impression the bill was getting paid as usual. However, since CITI stopped my auto pay, I am now two months behind on my mortgage and they reported the late payment to the credit Bureau which will no adversely effect my credit rating. Additionally, the sold my loan to a third party servicing company without my knowledge and approval on XX/XX/XXXX. I called CITI to have them correct the reporting, but they told me they were not able to assist.

A fair resolution would be to have the late payments removed from my account and history as well as advise a consumer that when they attempt to make and extra payment outside of auto pay, that the auto payment feature will be cancelled without cause. Lastly, as a consumer they should not be able to sell my loan without notifying me or approval. I 'm currently working overseas in support of the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a XXXX credit card from XXXX XXXX around the end of XX/XX/XXXX that I had never applied for. The same day I received a letter in the mail saying there had been an unauthorized purchase on that credit card. Since I had never applied for a XXXX credit card I called XXXX XXXX. I was alarmed when an automated voice asked for the card # and my social. I did not want to give that information over the phone. I thought both were fraudulent and so I shredded them. On XX/XX/XXXX I received an unauthorized purchase in the mail from XXXX and when I checked online it was from an XXXX credit card from XXXX XXXX that I had never applied for. When I called XXXX I was placed on hold and the call was disconnected. I called back and they eventually connected me with XXXX XXXX. XXXX XXXX asked for the card number and I told them I did n't have it because I had never applied for the card and had never even received a physical card. They then put me on hold and the call was disconnected. 
My complaint is that XXXX XXXX is opening credit cards in my name. I am worried that they may open an account to XXXX, XXXX or any other store where I shop without my approval. I have excellent credit, I use several personal credit cards of my choice and do not want to have any additional credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 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: CITIBANK, N.A.
State: PA

Complaint narrative:
per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
When looking for financing to buyout my vehicle at the end of the lease, I relied on the buyout quote from XXXX XXXX XXXX XXXX website that said that the buyout amount quoted " includes any sales tax ( if applicable ). '' I understood that to mean that any sales tax would be included in the buyout amount. In talking with the dealership from whom I purchased the vehicle, they confirmed my understanding In finalizing my financing, however, I learned that what was stated on the buyout quote is wrong, and that I would need to contact the XXXX XXXX. When I called a manager at XXXX XXXX XXXX to discuss the problem and how as a consumer, the language was not clear, I was told " too bad... we do n't want your advice ''. Now, with less than two weeks left, I have to redo all of my financing because I had not anticipated any sales tax in my budgeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I have tried to verify my identity with COINBASE ( via app, via PC ) and it has failed repeatedly. I even setup my bank account, and provided them with the information that MATCHES my ID Card. I scanned the front AND the back ( NO glare, NO indistinct numbers, letters nor graphics ), and when my ID Card failed, I used my Driver 's license, and THAT failed. They have a policy that outright refuses refunds, outlined in their Terms of Use, and the money I gave them is now in limbo for EIGHT DAYS ( if not longer ), and I am not confident in their ability to lock in the rates of currency that  existed when I made the purchases. 

If I could get some information on how to take this further ( not to court, but to push this higher and higher until it can get the attention it needs ), I would appreciate it. I feel it would be all too easy for a company like this to use their " hold times '' to cause consumers to miss out on vital investment opportunities, and maximize their own profits in the meantime. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: TN

Complaint narrative:
Back on XX/XX/XXXX I disputed a company called XXXX XXXX which was on my Transunion credit report twice for XXXX ( totaling XXXX ). My case number with Transunion is XXXX. Once I submitted the claim it stated that I needed to mail in the information, which I did a week later. A week after that the items were removed. The first week of XXXX I checked my credit report again, and one of the XXXX XXXX came back on my report for {$150.00} and it shows as a new account. I provided proof to Transunion that this item was paid directly to XXXX XXXX in the amount of XXXX back in XXXX  to all the credit bureaus. I attempted to resubmit another dispute which the online system would not allow and to contact Transunion because I am in the middle of the mortgage process and this is causing swings in my credit score. I have not received a response from Transunion. I also contacted XXXX XXXX via email but never received a response. This was done back in XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Keep Receiving calls from Diversified Consultants, two of the numbers calling from are : XXXX & XXXX. They are asking for XXXX XXXX. My name is XXXX XXXX. There is no XXXX that resides at my address. I 've told them 4+ times over the past month, but they continue to call and call. 

I do n't have any debt owed that is outstanding. XXXX is not a resident of this household. Please have them stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I believe that Citibank has violated us our rights and protections under the Servicemembers Civil Relief Act ( SCRA ) by charging exorbitant fees and interest for a disputed charge on his government-backed Citibank credit card while my husband is XXXX overseas. 

In late XX/XX/XXXX ( around XX/XX/XXXX ), my husband was XXXX to XXXX. This XXXX happened very quickly and unexpectedly, and it occurred while my husband was in the middle of a permanent change of station ( PCS ) move. My husband used his government issued Citibank credit card to cover the costs of his PCS move. 

In late XX/XX/XXXX, after I reviewed my husbands statements, I discovered that he was double charged for a move-related expense. A merchant charged us twice for the same bill : first on our debit card and the second charge was to his government-issued Citibank card. I was not sure how to respond since the card was under my husbands name and was the responsibility of/tied to my husbands unit in the XXXX ( his unit is based out of XXXX XXXX XXXX ). At the time, and even as of this writing, my husband and his unit were inaccessible because they were deployed and in special training.

In late XX/XX/XXXX, I made a payment in the amount of {$140.00}, which was the true balance that was outstanding ( i.e. the payment did not include fees ). I thought it would be best to pay the principal amount even though it was in dispute and file a dispute when my husband returns from his XXXX. 

On XX/XX/XXXX, I sent a certified letter to Citibank indicating to them that : 1 ) my husband was XXXX and that under the SCRA they shouldnt be charging fees or interest while hes XXXX ; 2 ) the amount citibank used as a basis for exorbitant fees was being disputed. Unfortunately, Citibank proceeded to garnish my husbands wages. 

My husband has spent hours trying to resolve this matter, however, because he is XXXX, he has limited access to resources who can help. Additionally, this has added unnecessary stress on my husband. We believe that Citibank should not charge any fees or interest while my husband is XXXX, and we believe that Citibank should return all the money theyve garnished from his wages ( about {$700.00} ). Finally, we believe we are entitled to punitive damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To whom it may concern, Bank of America is my mortgage lender for my home. They notified me that an escrow collection will be increased almost by $ 150 monthly since they received two different property insurance policies. One of them is not my policy. A mortgage representative at Bank of America told that I have to contact XXXX insurance company and request them to report that it is not my policy. I contact XXXX and the representative informed me that they can not give any information for the policy because I am not a policy holder, so, the lender has to contact them. Ever, the policy which was sent to my escrow account is a commercial policy which a private homeowner like me is not covered, but, Bank of America did not attempt to verify it with me or the insurance company when they recieve it. This issues was not resolved, yet, and it seems no one wanted to responsible. I am also concerned that Bank of America does not cautiously process a sensitive information with a private financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call from an " XXXX XXXX '' on my personal cell from a number XXXX, I also received the same call at my work from the same person the number that called was a XXXX, the number he left was a XXXX. He called my Daughter 's Husband 's PARENTS and left the following message. I have a recording of the call. transcript is as follows : This is case XXXX XXXX with XXXX XXXX calling in reference to a complaint preparing to be filed against *************** ( me ) XXXX years of age after a through investigation of this affidavit, i find the documents forwarded to my office do indeed support the order for ************ ( me ) to appear in court on alleged check fraud, I would like to speak with ********** prior to signing off on this. I can be reached at XXXX, that is a listed toll free number, therefore XXXX should have no difficulty returning this call. Pretrial docket number to reference XXXX. Be advised failure to respond will leave me no choice but to execute the paperwork referencing your appearance in XXXX XXXX service which is due to be carried out at your home and place of employment. XXXX YOU HAVE BEEN NOTIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I bought two currencies, one for XXXX, and one for XXXX from coin base, coinbase.com took the XXXX and XXXX dollar deposits from my bank, and also another for XXXX ( a double withdrawl) which overdrew my account right before I was paying rent. I complained to my bank XXXX, so they started a fraud examination, and returned the money to my account, but now my coinbase.com account is locked by a bot, and i have sent many many emails, and no response, just automated actions that have frozen my account. I have tried to pay the balance to restore my account , but each time I submit for payment, the balance goes to XXXX, and it does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX a debt validation letter was sent to the company to validate a debt with the company, with proper paperwork or signature, which the company failed to provide. what docs did the company provide to the credit bureaus to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Yesterday at XXXX ( XX/XX/XXXX ) I went to check on my XXXX on the Coinbase app and my account said that i sent all of my money to Coinbase. The app says i gave coinbase my money at XXXX XXXX, At no time ever did I authorize this transfer or was not made aware of the transaction from XXXX. They Stole my money without permission, did not inform me of what happened to my money, i waited on the phone for 40+ minutes waiting on a representative to assist me with the problem, and the phone call disconnected. They were of no help to me and had no permission to sell or use my coins in anyway. They took XXXX XXXX which is {$510.00} and sent it to themselves now i have a XXXX balance in my Coinbase account. I tried chatting online with the company about what happened and got no help either. I made my initial purchase for the Coin on XX/XX/XXXX so Coinbase took my money in under 10 days, i have already lost {$190.00} on the coins in that time, now i have lost {$700.00} total because Coinbase took my coin. i will most likely lose more money if the coin appreciates while this claim is ongoing. Coinbase needs to give me my funds back.

Company response to consumer: Closed with explanation