vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: GFS II, LLC
State: OH

Complaint narrative:
I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Coinbase, Inc.

Complaint narrative:
XX/XX/XXXX I made a {$100.00} purchase from Coinbase.com They debited my card {$100.00}, then hours later another {$100.00}, which was unauthorized. 

Then last night XX/XX/XXXX another {$100.00} was removed from my card, I did not authorize this transaction. 

The incident on the XXXX caused three missed payments and an NSF fee from my bank of {$140.00}. 

I have canceled my credit card for fear of another unauthorized purchase. 

I contacted coinbase with multiple case numbers XXXX XXXX + XXXX + XXXX, and today for the {$100.00} case number XXXX. I have made 3 phonecalls to their support, but all they do is write up an email and send it to another level of email support, whomhave not contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into XXXX  with the intent of stealing or not paying for the merchandise. He then hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Commercial Recovery Systems
State: VA

Complaint narrative:
CALLER IDENTIFIED HERSELF AS XXXX XXXX WITH PROCESS SERVER. SAID I WOULD RECEIVE A SUMMONS IN A FEW DAYS. I DO NOT KNOW THESE PEOPLE NOR DO I OWE THEM ANY MONEY. THEY ALSO CONTACTED MY MOTHER IN LAW WITH THE SAME MESSAGE. BOTH WERE LEFT AS VOICEMAILS. CALL CAME UP AS " UNKNOWN CALLER '' BUT IT GAVE A CALLBACK NUMBER IN THE MESSAGE OF XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have over the course of a few year while with PNC have been charged overdraft fees. Primarily they have triggered occurring fees the next day after deposits have been posted. PNC regularly uses a predatory tactic of ordering my transactions to allow for the maximum overdraft allowable in a day. This behavior is unethical and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid my property tax ( {$4200.00} ) to the XXXX XXXX XXXX Collector directly early XX/XX/2018, ahead of the scheduled payment from my escrow account. I informed Citimortgage and gave them a copy the check and the XXXX payment notice. I was assured that I will get that amount refunded. I received a check dated XX/XX/2018 for the amount of {$3800.00}. I called Citimortgage and was told that the amount was based on their calculations for this year 's escrow and their estimated tax will be higher and my monthly would be lower. I fully understand and expected the increase in Taxes and my monthly dues, but using my money in advance for this mortgage company to use is totally unfair to borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. 

I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX    XXXX PAYMENT. 

HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have been buying bitcoin and ethereum on XXXX XXXX for a few months now and this is the first issue iv had, and yet its a big one. Coinbase charged me twice for most if not all my transactions. Onc3 on the day i purchesed them, and then they charged me the same amount for all my purchases again on XXXX. XXXX, 2018. I have included my online bank statements. The ones with the red mark next to them are the second charge and the ones with the blue are the original charge on the day i purchased. I also provided my coinbase purchase history where i outlined all my transactions in purple. I have tried to contact support mant times and can not seem to get ahold or get through via email or phone. My Case number with coinbase is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had disputed a XXXX XXXX XXXX XXXX charge as I was overcharged by an amount of {$1100.00}. This was resolved by Chase Cardmember Services after I provided them with all the documentations requested which included an acknowledgment by the XXXXXXXX XXXX XXXX XXXX  location manager on wrongly charging the account. I also received a confirmation letter from Chase that this dispute was closed and the credit which was applied temporarily to my account would remain permanently. Please see attached letter from Chase. This charge was however reinstated on my card with no further explanation. I tried calling Chase multiple times via phone calls to which the response has been that they can only open it up for research and can not do anything further. I have also sent Chase multiple secure emails and it has been more than 2 months now and has received no explanation or resolution to an already resolved dispute ( as per the attached letter ). 
I have reached out to Chase with this issue via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and via phone calls and talked to XXXX XXXX ( Chase does not allow their employees to provide last names ) in early XX/XX/XXXX who acknowledged that the charge is incorrect ( on a recorded line ) and that it should not have happened but all he could do is open it up for research ( again ) with the disputes resolution. He assured me that the resolution will be done in 5-7 business days. About 2 weeks later in XX/XX/XXXX I called again and this time XXXX XXXX who is manager gave me the same response and said it will take about another month to resolve this. I talked to another manager called XXXX XXXX on XX/XX/XXXX and he said he is not aware of this issue and has no access to emails or phone call history. At this time its been over a month with no communication or resolution to the matter and we are tired of making phone calls and have been provided with no resolution to the matter. 
I am not confident that Chase is trying to do the correct thing here and as a consumer, I feel like I have not received the resolution despite a confirmation from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
at XXXX i buyed some Litecoin with cc no Problem so far. Wanted to Transfer it to another exchange and bam 3 days Payment locked, but i can unlock the transaction faster if i upload my id ( again ) to verify. 

Ok no problem uploaded it XXXX times always unable to verify my identity and then i got banned and my account got XXXX. 

Hey just write a support ticket ... .. i cant write a support ticket on a XXXX ACCOUNT. ok so i opened a second account and contacted XXXX and XXXX from support staff in XXXX with a ticket id, none of them replied. 

But i got a answer on my ticket from the new i account i made : Thank you for contacting Coinbase Support. I apologize for the delay in responding to your email and for all the trouble. 

I will now be closing this ticket and will be responding to the original ticket you created that was sent from the said XXXX email address. 

to my old XXXX ACCOUNT rly guys? i cant answer or login or read the ticket on my old account. I dont even get emails when/if she replied to the open ticket on my old account cause THIS ACCOUNT IS XXXX XXXX : Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

( i dont have purchasing problems i have a XXXX account but thank you for automated message ) XXXX Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

XXXX a automated message with the full faq just copy/pasted THANK YOU! 

UPDATE** XXXX It appears as though your case has a restriction and is not security related. I am escalating your case to the proper queue now. 

( your system just auto banned me like i said i have my Phone number verificated XXXX for login and XXXX for transactions just unban my account whats the problem here ) My ticket id is : # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Monies were transferred twice, to a bank in XXXX, TX, once on XX/XX/XXXX and XX/XX/XXXX for a work visa and health insurance for the XXXX in regards to a job with XXXX XXXX XXXX. This job as it seems never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I purchased a new 2018 XXXX XXXX at XXXX XXXX of XXXX at XX/XX/2018. The negotiated price for this vehicle is XXXX, but we actually paid XXXX without the interest. The reason is during the final finance process, the finance person ( XXXX ( XXXX ) XXXX ) intentionally changed the contract without notify us. 

He is so misleading. He said we must include a maintenance package in order to apply the loan, but we found it not necessary to buy the maintenance package later. 

He pushed us to sign all the contract under the condition that we did not fully understand the contract. Besides, he did not explain all the details, even he did not mention that he let us to sign a service contract with worth XXXX $! Moreover, our vehicle already includes a ResistAll package that covers for 4 years. But he changed the coverage year to 7 years without notify us and charged us additional XXXX . However, after we signed the contract we realize that the year is wrong. But he said once you signed it, it could not be cancelled. Also he charged twice for ResistAll, one is for 4 years and one is for 7 years. It is nonsense to have two ResistAll packages! 

The reason why we did not find the error immediately is that the total additional charge ( XXXX $ ) is the same as our down payment ( XXXX $ ), and he only showed us the remaining payment after the down payment, which we think is the full price. Such things are really misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I signed up for a dollar and cancelled my membership the same day I was still charged XXXX a month. I called and cancelled again they charged me again and again A complete waste of money. The only way to cancel is to call and the estimated wait time is over an HOUR. There is no way to cancel online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2018 I purchased {$98.00} of cryptocurrency from Coinbase and used my visa debit for payment. The transaction was successful however I noticed the next day they charged me {$98.00} twice but only credited my coinbase account with {$98.00}. After speaking to my bank they said in 10 days the extra charge would likely be returned. On XX/XX/XXXX it was returned, however this morning XXXX XX/XX/XXXX ) another charge for {$98.00} hit my bank account. This is an unauthorized tranasaction and I haven't received any funds in my coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies PORTFOLIO RECOVERY {$1800.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
The company below calls me everyday and late night and sends letters threatening I pay this debt. I told them its not mines. They said its me and I must pay it. 


COMMONWEALTH FINANCIAL XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Collection Account Account Status : Closed Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} Terms : 1 Month High Balance : Limit : Past Due : {$550.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Unpaid Comments :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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:
Report Number : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Previouse deleted fraud ittem on my credit report Experian report # XXXX XXXX Account Number : XXXX XXXX Account Number:XXXXXXXX XXXX Account Number : XXXX Account Number:XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX/XXXX Account Number : XXXX Account XXXX are fraudulant inquire XXXX XXXX XXXX.Date of Request:XX/XX/XXXX s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 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 non-monetary relief