vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On X/XX/2017 I transferred {$26000.00} to my Coinbase inc wallet, transfer id # provided by Coinbase Inc was XXXX, the email associated with the Coinbase Inc account is XXXX. The transfer was approved by my XXXX XXXX XXXX representative but I never received anything from coinbase in response, not even a transaction confirmation email or receipt. They advertise online transfers take 4-5 business days but the wire is n't even pending in my coinbase account. I submitted a claim to coinbase and reached out to their customer service multiple times via email, claim submission online, and their twitter customer service account but the company is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates has been harassing me with phone calls and mailings for years over a credit card bill from XXXX XXXX which is over 15 years old. I have repeatedly ask them to stop contacting me and I have been ignored. I became XXXX XXXX in 2000 with a XXXX XXXX XXXX and I have no way of paying the approximately {$1000.00} they say I owe. I am XXXX years old and their harassment is making my condition worse. Please, I need your help to get them to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account with Coinbase that I used to buy XXXX XXXX. I have now sold my XXXX XXXX  and am looking to withdraw my funds. To do this Coinbase have said that I need a verified bank account ( I used a debit card to deposit funds ). I followed the verification process and on XX/XX/XXXX I  deposited the amount of XXXX from my bank account with the requested reference. Coinbase state that payment methods are verified after 2 days. Mine has still not been verified and the Coinbase Support are not responding to my enquiries as to what is going on. Essentially my money is being held hostage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo forces me to have accounts that I do n't use. They tell me that if I do n't have a savings account they will charge me fees to my checking account. I opened a business account but I do n't have much activity yet with the account except a couple of transactions, and every month they charge me {$14.00} fee because I have not swiped the debit card XXXX times. I already have my debit card active for my personal account, so 99 % percent of the time I just swipe my personal card. I do n't want to have to close my business account, because of this fee, but it feels like the bank is just gouging my account every month for fees, and not trying to do anything to help me out as a customer. Over the last 12 months, I have XXXX fees totaling {$56.00}. I had to speak to a bank rep XXXX time, and was able to get them to refund XXXX because I was able to show her that I was having issues using my card in the beginning when opening the account, but it was like pulling teeth. I 've also been charged {$15.00} for fees on a savings account that again I 'm forced to have. I was told I needed to have a savings account when I opened my checking account in order to have a " free '' account with no fees. They force me to transfer {$25.00} every month into savings account. If no transfer is made they charge me {$5.00}. Last month my scheduled transfer did n't complete because I had low funds probably, and then it seems to have canceled this months scheduled transfer. So now they slapped with a {$5.00} fee for that. This bank will charge you fees for anything. Please help me get my money back from these theives. It 's all over the news how the bank illegally had their staff create these 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 monetary relief
Consumer complaint received 2017-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: OH

Complaint narrative:
I am a co-signer to an account with my sister at XXXX XXXX. I am in the military and while XXXX, several late payments were made to this account. During this time frame I was not successfully contacted by XXXX give where I was and the difference it time. I got the notice from my credit monitor service through XXXX. I immaterially got access to my sisters XXXX account and made the payments and have since taken over payments. I asked XXXX under these circumstances if they would consider doing a curtsy removal or goodwill removal of the late charges and that I could set up automatic payments though my bank account. There response was that they could not do this due to policy. 

the late payments in question occurred on the following dates for the following amounts : XXXX XXXX for {$270.00} & XXXX XXXX for {$270.00}. 

On my part I have called the creditor to ask for a goodwill removal of the reporting given the unique circumstances related to the late payment. After a long conversation with the XXXX of the call center I was told there was nothing they could do. I made this phone car on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I was told I needed {$2200.00} for my down payment/reserves. Now they have changed it AGAIN and are now requesting {$3000.00}. This company keeps changing how much I need. And have done so multiple times. My original amount included my homeowners insurance and now they are jacking up how much they need. This is like the 4th or 5th change in how much I need to close. I am supposed to close on the XX/XX/XXXX and now because they are pushing for more money, I will not be able to close in time. I have the XXXX. Because that 's what I was told I needed. Im seriously getting sick and tired if being XXXX around. I have reported this company to the FTC. And will continue to file complaints because what this company does to clients is absolute garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Between XXXX and XXXX my wife and I were in Arizona ; we live in Connecticut. On Saturday XX/XX/XXXX and Sunday XXXX we were denied the use of bank debit card for normal transactions such as purchasing gas and going to dinner etc.. Each time we attempted to use the card the transaction was denied. Our checking and money account balances exceeded {$35000.00} and our attempted purchases were approximately in the low hundred dollar amounts. This was a great inconvenience, embarrassment, and mistreatment to us. When I called our Connecticut-based bank ( Webster Bank, N.A. ), customer service informed me that because we were out of state ( i.e., Arizona ) the bank reasoned that it was fraud on the card and blocked access to the account ( s )  through the debit card. I asked the bank 's customer service individual why the bank did not contact us since it has our : two cell phone # s ; two e-mail addresses, and text access, and I was informed that they left a message on our home phone without ever attempting to contact us via the other contact points, which they have had for years. This makes no sense and was irresponsible on the bank 's part, particularly since my wife travels to California, XXXX, and Florida on business regularly, uses the debit card on the road, and has never had her access to funds/debits denied. The bank also indicated that we should have notified them that we would be traveling to Arizona - since when does a consumer need to share their travel plans with their bank? That sounds like an invasion of privacy to me. Webster Bank greatly inconvenienced ( and embarrassed ) us while we were in Arizona and failed to contact us when its had multiple communication options available. The bank denied us access to our funds on deposit and caused us economic hardship because we were forced to use our credit cards in lieu of having ample funds on deposit. 

The Bank 's approach in this matter was inexcusable and needs to be addressed. Further, I asked customer service if there is a 'travel policy ' that requires a depositor to inform the bank of his/her travel plans, and was told no ; but we should have!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called experian after noticing that XXXX XXXX placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested experian to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report

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 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I called XXXX after noticing that Professional Debt placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested XXXX to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report

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 2017-09-01 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: LA

Complaint narrative:
I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 
1 XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXXXXXX ( XX/XX/XXXX) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX (XX/XX/XXXX ) 7 )  XXXX XXXX. (XX/XX/XXXX ) 8 ) XXXX XXXX XXXXs (  XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX 10 ) XXXX XXXX (XX/XX/XXXX) 11 ) XXXX XXXX (XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: RI

Complaint narrative:
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

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 2017-09-01 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: RI

Complaint narrative:
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

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 2017-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
XXXX XXXX Friday, XXXX XXXX XXXX XXXX XXXX Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 
Tried to login at XXXX did not work-reset password link took me back to their site not to the reset page. 

Went on my phone and tried to login at XXXX did work went to rest the password and once I entered the password it showed too many tries and try again in an hour.Tried to login at XXXX did not work-too many tries try again in an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt.
I have no contract with One Advantage LLC., and will like the records to show.
When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file.
I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge.
please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I travel a great deal and am frequently locked out of my account because JP Morgan 's online service ( via Chase ) does not " recognize '' my computer. By this, it appears it means that if I sign in through different IP addresses, it will not let me into my accounts. This is a really problem. I do not have an email address or cell phone number that I want it to have or use, in part because it abuses each with unwanted ads and selling this information for profit to other marketers. Neither of these is particularly secure either, especially if written text is generated.
Yet when I call in a toll free number that comes up on the screen after I am locked out of my online accounts, I get automated machines, long wait periods and inaccurate information in so-called security questions that I am suppose to confirm if I want to get back into my accounts online. This process alone, of being forced to confirm inaccurate information that it is clear the automatons at the other end of the phone line have, distorts credit reporting, banking security, and access to my accounts, while degrading my credit score, and increasing the chances of identity theft.
The antiquated technology of online banking inconveniences anyone who travels frequently, increases the chance of identity theft ( by promulgating inaccurate information that I have to claim is true if I want into my accounts ) and wastes enormous amounts of my time, while routinely denying me access to my own money and accounts at JP Morgan. There is no one to call to take care of such idiotic and systemic failures other than mindless machines and customer service people who themselves are programmed to enforce inaccurate information as a condition of correcting the abuse of the company that routinely denies me ready access to my money and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
We sold our home in 2016 as a short sale. We have documents from the bank showing it was an approved short sale. They have reported it as a foreclosure on my credit. We are currently trying to purchase a home and we can not proceed until they remove the foreclosure from my credit. 

My wife has called them multiple times and they refuse to listen. We 've disputed the claim with XXXX and also XXXX and they 've come back and said it was legitimate. 

We need this to be cleared up as we are living with my wife 's parents until we can proceed with purchasing a new house!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Name is XXXX XXXX XXXX, I have a bank account with Wells Fargo bank, Account # XXXX, on XX/XX/XXXX I deposited a check of {$1900.00} check # XXXX to my account using Wells Fargo mobile deposit on my smartphone, I must have lost the physical check because on XX/XX/XXXX the physical check was negotiated at another location, from either another bank or check cashing, on XX/XX/XXXX Wells Fargo bank paid for that check again, by using the funds in my bank account. A thief, presented the check to a bank or check cashing, the bank or check cashing should have the ID of the thief, since there is no other ID on back of check, the thief only used his/her phone number and address which is probably false we tried the phone number its not working I have no way of knowing who the thief is, I would ask the party that presented the check to wells fargo the second time for the ID of the person that presented the check to them, they had no right to cash or deposit the check without ID. Bottom line, if the financial institution did their job it should be easy to identify the person that presented the check the second time. I am uploading a copy of the check and the banks letter

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