vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I had {$1700.00} in a Coinbase, Inc account XXXX XXXX, 2017, I sold and authorized sent to my bank account. It has never arrived, most phone numbers for Coinbase are non working, no one answers numbers that do work, emails are not returned and there are Thousands of online reviews stating this is normal for Coinbase and MOST people just end up getting screwed. Coinbase is a scam run by thieves. I have n't filed a lawsuit, there address is virtual so they ca n't be served. I am  filing complaints with the US and New York AG, CFPB, IRS, FBI and Banking Commission. I want my money ... NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a VA mortgage with US Bank, for years I have paid on time normally over the amount due. XX/XX/XXXX I sent a check from may bank, XXXX, to US Bank for {$2400.00}. They only used the electronic withdrawal for XXXX and then they say I am late and did n't pay the mortgage. They have no copy of the check, XXXX has no copy of the check. How can a bank withdraw money without producing a check or other evidence of the amount? I have called both and neither will do anything except say it is being looked into. I am supposed to pay interest, late fees and have a mark on my credit score ( XXXX last check ) because of the banks mistake. The bank makes a mistake, destroys the evidence and it is my fault. US Bank and XXXX both are refusing to do anything to 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 explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXX that are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: CA

Complaint narrative:
Purchased furniture at XXXX 's in XXXX CA, applied and received credit on a Brandsource CC for XXXX 's. XXXX XXXX 's cash for amount above XXXX. Used card for XXXX balance for interest free promotion. Within less than a month XXXX doubled my balance to max card out at XXXX. Many attempts made to resolve problem with XXXX 's and XXXX. Took 2 months to get the charge off. In the meantime, XXXX had turned in maxed out card balance to credit bureaus that dropped my credit scores after stating they would n't do that. 

Now getting letters from XXXX security at their company that they intend to reinstate that fraudulent double charge again. One letter made on 1XX/XX/XXXXand another on XX/XX/XXXX, both from XXXX Credit Card Security. I have saved these letters and have sent a message to the effect of starting legal action if they do just that. 

I also had called Citibank, my own place of banking, and asked if they could intervene on my behalf to help me since the XXXX card is issued by Citibank. They would not 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 explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Automatic Data Processing, Inc.
State: NJ

Complaint narrative:
I had a flexible spending account with ADP. I would put XXXX toward my medical bills each year. In XXXX I had a filling filled and my XXXX gave me a receipt. XXXX did not accept the receipt because it was n't itemized. I then sent the explanation of benefits from my insurance company. I thought that it was set. However it was n't. And I lost the XXXX dollars from the XXXX plus everything that was left on my flexible spending account because they locked my account until I could produce a itemized bill that was not an EOB. This was about XXXX dollars. It stung but I swallowed it. 
In XXXX I planned to have a child so I signed up for XXXX XXXX. This time putting XXXX dollars are the card since I knew my care would be expensive. I also spoke to my drs and was assured that I could get an itemized receipt for services. I tried to use my card and was told the card was still locked pending the receipt for XXXX. I explained that I had forfeited XXXX dollars then and that I could not get a receipt at this point. XXXX then told me it would not matter, as I only have 1 year to submit a receipt. So I asked how do I resolve this and fee my funds. XXXX told me that I could not and that all XXXX dollars would be forfeited at the end of the year. I got my company HR involved but they could not help me either. 
I then called a few class action suit attorneys but did not have the time once my daughter was born to follow through. There may not be much you can do for me, but I hope this does n't happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are several late payments from the months of XX/XX/XXXXto XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

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 2017-11-29 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: FL

Complaint narrative:
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, XXXX, and Equifax. No one is resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for a Wells Fargo XXXX XXXX Credit Card. I am a customer of the bank for over five years and am in good standing and got a credit score in the top 20 % of the population. 

On XX/XX/XXXX, Wells Fargo closed the account, without notifying me. I eventually found out on the customer portal of Wells Fargo and subsequently filed a complained with CFPB on XX/XX/XXXX. ( CFPB Case # XXXX ). On XX/XX/XXXX XXXX or XXXX XXXX XXXX answered to parts of my complaint on behalf of Wells Fargo thru the CFPB. While many questions remained unanswered, according to Wells Fargo the account was closed " by our Fraud Department due to a possible fraudulent application being submitted. '' It was suggested by Wells Fargo, that I should submit a new application by either of the following three options : 1. You may go online at wellsfargo.com website. 
2. You may apply by phone at XXXX. Agents are available to assist you Monday- Sunday, XXXXXXXX XXXX XXXX XXXX ( XXXX ), ET. 
3. You may apply at your local Wells Fargo Branch, when you are back in the United States. 

On XX/XX/XXXX I did as suggested and opted for ( 1 ) above ( Application # XXXX ). This time the credit was not auto approved. Today, I received a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX in which Wells Fargo informs me, that my application after " careful review '' was denied. The resaon given for the denial was : " This is a duplicate application ; you have already responded to this credit offer '' I am sorry, but this is totally absurd! It was Wells Fargo which cancelled the previous account without ever explaining, why a fraud was suspected or why they would n't inform me of such suspicion. It was Wells Fargo who suggested I should apply again, as the old account could not be reopened. What did I do wrong? What has changed, that I was initially approved and am now rejected?

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also TransUnion, XXXX, and XXXX. No one is resolving the issue.

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 2017-11-29 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: FL

Complaint narrative:
XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.

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 2017-11-29 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: IL

Complaint narrative:
Many inquiries on my credit report that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Many inquiries on my credit report that were not authorized.

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 2017-11-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Many inquiries on my credit report that were not authorized.

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 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Sir / Maam, Good Afternoon. 

Belated XXXX to all. 

I have a terrible post-XXXX day, this is my story. 

I have a checking account with XXXX XXXX XXXX XXXX, NY, debit acct ending in XXXX. 

Upon logging in to my Online account ( XX/XX/XXXX ), to my surprise {$5900.00} of my hard-earned money, saving for rainy days has been put on hold. 

According to XXXX XXXX Legal Department it was put on hold until i pay the amount of {$2900.00} and plus the interest the full amount to XXXX XXXX XXXX XXXX XXXX. 

I was told by XXXX XXXX Legal Dept. to settle this amount and call them, this is the index number XXXX of my case. 

I havent given any information on what financial institution or whom i owed the amount being garnished, it was just the name XXXX something ( not Sure ), and it was in XX/XX/XXXX-XX/XX/XXXX debt. 

It was NOT CLEAR and im confused and frustrated that my honest and hard earned money can go to the Law Firm, just like that. 

Upon searching the internet the Mullooly, Jeffrey, Rooney & Flynn - XXXX XXXX XXXX, XXXX XXXX, NYXXXX- XXXX ( XXXX ) have been good cleaning up peoples bank account through legal maneuvers victimizing small and ignorant of the law like me. 

As i write today, my XXXX XXXX checking account has been on hold with the total amount of XXXX. i just did an external fund transfer and i was denied of acces. 

Cut the story short, im a victim of this XXXX XXXX, i dont recieve any confirmation or any letter of notification, or a formal phone call or any form of notifications from Mullooly, Jeffrey, Rooney & Flynn. 

I need help, i know this is illegal done to me. 

Please help me recover my money, this is all i have in life, this is my emergency fund. 

im employed as a clerk, i dont earn a lot, i dont deserve this, im honest and hardworking person. 

Thank you from the bottom of my heart. 

Respectfuly yours XXXX Attached are the pdfs for your info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX, I paid XXXX XXXX XXXX {$3300.00} in hopes of paying off the card. I ended up over paying and a balance of - {$250.00}. I did n't request a refund since I shop on XXXX often and knew I would eventually use the credited balance. XXXX has a policy ( unknown to me ) that if the balance is n't used in 60 days, they automatically send the credited balance as a refund check. They ended up sending the check to the wrong address. In addition, they never informed me of this policy or that the check was sent. I only found out when I checked my account after making a purchase ( a month after this check was supposedly mailed ). I spoke with a customer service representative and they said that the check would be cancelled and a new one sent. Since I did n't trust the first representative ( he gave me misleading information about my account ), I spoke to another representative a few hours later. She noted that the first representative I spoke with never cancelled the check or put a new request in. She claimed that she had fixed everything and the check would be sent within 15 business days. It 's been three weeks now, and I received a check only for {$2.00} ( the amount I had in cash back rewards ). I spoke to another representative who claimed that the check for the {$200.00} was not sent because the there was some confusion by the person who cuts the checks. She said she would try to get it 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 monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am having the most difficult time with Transunion, I recently received a copy of my TransUnion credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about unauthorized inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete XXXX of the XXXX inquiries on my credit file. I understand that Transunion should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Transunion has not provided me any proof or resolution to my concern.

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 2017-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
XXXX & XXXX XXXX Our Mortgage NightMare We Bought our house in XX/XX/XXXX. Weve lived here for 14yrs! In XX/XX/XXXX I was recovering from XXXX XXXX XXXX XXXX ( XXXX XXXX ) [ House is in XXXX XXXX XXXX name my wife ] we called Citi Mortgage to get a loan Modification based on my XXXX and XXXX income. For the next 16-months Citi dragged us through the mud, every week they would ask us for the paperwork that we gave them last wk! 
In XX/XX/XXXX Citi called and the Loan Modification was denied for lack of income. So we told them we wanted to add XXXX tips ( she works as a Barista ) to do another loan modification they said ok. My wife makes XXXX mo on avg in tips. We even had her boss sign a letter confirming. 
We made cash deposits for the next 3 mos XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ... No response from Citi! yes or no ( Remember on average it takes 3-4 months to do a Loan Modification ) Every wk from XX/XX/XXXX till XX/XX/XXXX they asked again for the same paperwork we gave the week before. On around XX/XX/XXXX ( Wednesday ) Citi asked us to prove again the tip deposits ( REMEMBER WE ALREADY PROVED IT FOR 3 MONTHS ), And yet no call, no email! 
We have a XXXX XXXX bank acct, its not easy In Alaska putting cash in an online bank. So we only deposit when needed. I bought some XXXX XXXX as investment, So when they asked to prove it again because we didnt put tips in the bank for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., I couldnt transfer quick enough!! It takes 2-4 days and I hadnt even set up transfers. So Monday the XX/XX/XXXX they called and said No again. 
2 days later the XX/XX/XXXX we received a XXXX letter that stated Citi approved us for a Short Sale. They gave us until XX/XX/XXXX to decide Short Sale or go into Foreclosure. For 16Months The XXXX, XXXX and XXXX XXXX Weve been through has been tremendous. We were trying in the short amount of time they gave us to find someone to help us save our house. Today XX/XX/XXXX I called a foreclosure expert he told me to call Citi and ask if they already sold the house, I said why he said Its been sold to a 3rd party! Wow I couldnt believe it! I called Citi and after some prodding, XXXX at Citi told me someone gave a bid on the XX/XX/XXXX and Citi excepted it and sold our house on XX/XX/XXXX! Citi told me on the phone they made a mistake and would fix it after the XX/XX/XXXX the day we were suppose to make a decision on Short Sale or Foreclosure. UPDATE : We have received a notice of vacate from the people who supposedly bought our house. They gave us 10 days! CitiMortgage is now telling us theres nothing they can do! We need help PLEASE! The company that bought our house : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, NV XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXXXXXXXXXX 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