vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with Coinbase, a cryptocurrency exchange, and have been trying to sell my positions and close my account for close to a month now with no avail. I have Bitcoin, Etherum & Litecoins within the online system and am unable to " sell '' them and " cash out. '' Each and everytime i do this, the system prompts me that " additional informaiton is needed to verify my identity, and to go to 'coinbase.com/XXXX ' to do so '' when i go to the address and answer the personal questions they prompt me with, the system denies my entries and i get stuck in this loop where it keeps asking me to verify identity and does not allow me to sell. Basically, they keep asking me to verify identity and after I answer their questions, they tell me my answers " are wrong. '' The shady part is that I have already verified my identity, both via questions and by providing my ID ; furthermore, I have succesfully bought and sold on this website since 2015 when traffic must have been less. It is only recently that I have been " shut out. '' I have contacted their customer service phone line 5 times, each time being placed on hold for hours with no representative picking up. I have tried their online support system and have submitted requests to " close my account and cash out '' 5 times with no response. Basically i am being ignored and my money is tied up. 

Of mention, I started this process when my account has over $ 19K in it, it has since dropped to $ XXXX and i am still stuck. All i want to do is close my account, and collect my proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
on XXXX XXXX ( Friday ) at approx XXXX pacific time I sent a transfer of XXXX Ethereum from Coinbase to their Exchange platform XXXX. These transfers are supposed to be instant and free, they are advertised as such, and have always been for me in the past. 

On this occasion the XXXX ... ETH never appeared in my XXXX account and appears to be floating around in cyberspace somewhere. 

I have opened a case with XXXX via email Immediately and havent heard back, my case number is # XXXX. After opening the case via email I sent a written letter to Coinbase in XXXX XXXX, I then called and waited on hold for 2hrs before being disconnected. I waited on hold the next day and was again disconnected after 2hrs. On the 3rd day I got through to a representative of Coinbase after 1hr45min. 

Talking to customer support he assured me the issue would be resolved in my favor, I received an email right after the call saying the problem would be sent to the appropriate department. This phone call was a week ago and havent heard anything since about my missing Ethereum.

When I sent the Ethereum its value was approximately {$2200.00}, the approximate value of the Ethereum is now {$3600.00}.

Please help me get my Ethereum back. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a call from a man who said his name was XXXX & he was calling from American Express. The original phone number he called from is XXXX. I told him I could n't talk when he called me at around XXXX XXXX. on XXXX XXXX, XXXX. He called me back at around XXXX on XXXX XXXX, XXXX. The phone number he gave me to call him back is XXXX. 
He was trying to set up payment arrangements to pay 60 % of my total debt. He then proceeded to tell me I could make a monthly payment of {$35.00} for the next 6 months to pay off my debt. 
He then told me to go to XXXX to get a prepaid card in the amount that I owe. When I get the card, I should call him back & give him the prepaid card number. 
He asked me to verify my mailing address. I asked him what was showing on file & he would n't give me that information. I gave him my mailing address. 
He then told me I could pay the full amount at the following website : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds. 

In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed. 

My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy. 

In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent. 
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place. 

In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX. 

My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes. 

In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX. 

My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: NC

Complaint narrative:
I paid off the account in XXXX and when I received my most recent reports, they are now reporting me late in XXXX on a closed account! 

I have repeatedly asked them in writing to report accurately or remove the accounts but they just seem to ignore me and their responses on the credit report say " they verified that the account belongs to me & reported me 90 days late 3 months in XXXX ''. I never asked them to verify if it was my account, I asked them to remove the late payments in XXXX on an account that was PAID & CLOSED in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After XXXX 's security lapse I froze my credit account through an online automated system without the help of a real person. I have tried and tried and tried to speak to a real customer service representative at XXXX to temporarily unlock my credit but get nothing but automated responses. After an hour of truly agonizing and frustrating calling of various phone numbers posted, I got nowhere. I 'm sure you as the reader of this complaint have been in the same situation with some corporate giant. These companies must be held accountable and easily accessible since they control our lives. Please help force these companies to be responsible not just profitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My Slate account ending in XXXX has been billed interest and fees associated with a charge in the amount of XXXX on or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA. This charge has been in dispute since XX/XX/XXXX with no resolution, an account supervisor stated today, XX/XX/XXXX, the merchant has not replied and does not have to. This is the second phase in disputes process. The dept handling dispute does not accept inbound calls.. Information was provided prior, as far back as XX/XX/XXXX, showing the items were not received. I know this info was included in initial dispute. XX/XX/XXXX tracking info shows package left with a XXXX XXXX, no one by this name lives at my address and I did not receive the package. Again, this information was provided to disputes reps several times as well via secure message on Chase.com. If Chase reps failed to see it and or act on it, that is their own error, not mine. It appears this is the case as the dispute is now in phase two in which the merchant does not have to reply, according to an account manager..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Hi there! I was doing trading on coinbase, and 1 month ago I tried to withdrawal from my coinbase account to my XXXX XXXX XXXX account.Transcation appears complete, But I still couldnt get my XXXX $ from coinbase. I dont reply my mails, calling etc. I dont know what I have to do. Could you help me about it please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a big customer at Chase, with all of my personal and business accounts at Chase. 

For some reason, one day I logged in and they said that they are shutting me down with NO EXPLANATION WHATSOEVER!! 

I attempted to get this straightened out with Chase, but all they said was that its closed and thats that. 

I know of a few people who this happened to, all within the past two months and all for no reason at all. 

I am very frustrated with Chase. 


Please help!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Deposit of XXXX made on XX/XX/XXXX, 3 separate deposits of XXXX made on XX/XX/XXXX. Wanted to withdraw the money as no longer wanted to use it to invest. Attempted to withdraw, was told to send a bank transfer of a few euros and then this would link my account. This was done on XX/XX/XXXX but no account was ever linked. Ca n't contact them any way, only their XXXX Bot on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Transferred {$25.00} from XXXX XXXX to Coinbase. My XXXX XXXX account was charged on XXXX XXXX, 2018. Balance should be available within 3-5 days. However it is not available and says still pending. Coinbase has not responded other than saying transfers take time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Recoveries, Inc.
State: MA

Complaint narrative:
I recv 'd a letter dated XX/XX/18 from the US Dept. of Tres.  stating they were going to with hold 15 % of my social security XXXX to collect a past due fed student loan. I have req 'd deferments over the past few years until I was told I could not do so anymore, I was not given a reason except that I had exceeded my limit. When I recv 'd this notice it said to contact the US Dept of Educ. to stop the matter and when I called a recorded message advised me to contact National Recoveries Inc. This was the first time I have heard of this company, I have not had any correspondence with them. I have attempted to contact them several times and each time I am unable to reach a representative. I am currently living under the poverty line and this would certainly put enormous pressure on my financial situation. If I was given the opportunity, and was not, to make other arrangements I would have done so. I would greatly appreciate your assistance in this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't. 

Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX. 

Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct 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 non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX XXXX XXXX child with XXXX XXXX XXXX XXXX, and Great Lakes Student Loans. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To Great Lakes Student Loans i owe - {$49000.00} This was all for a XXXX XXXX XXXX no one will even look at because it says XXXX on it. Please help i am getting physically ill from the stress of dealing with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
On XXXX XXXX, I initiated a sell of XXXX BCH to USD. The equivalent USD amount of {$540.00} was to be deposited to my linked bank account. 

The XXXX XXXX account that was linked to my Coinbase account had become inactive at that time, so the result was that I had inadvertently had the {$540.00} ACH transfer sent to an inactive account.

Though the Coinbase website states the transfer was fulfilled and complete, it was not. I received a call from my prior bank informing me that an ACH transfer had been attempted on my inactive account but was denied. 

Neither the XXXX BCH nor the {$540.00} amount were refunded to my Coinbase account. Multiple attempts have been made to reach Customer Service with no response.

In summary, Coinbase is currently holding funds that should be refunded to my account but will not respond to attempts to reach Customer Service to rectify this issue.

The Coinbase reference code for this transaction is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Companies Involved : Coinbase - account created XXXX - Parent company of Coinbase. Same Coinbase credentials used to log into XXXX XXXX XXXX, XXXX - Created Coinbase account online XXXX XXXX, XXXX @ XXXXEST - Same Day Wire Transfer of $ XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX - submit request to XXXXXXXXXXXX, receive generic response stating to check back on the XXXX. 

XXXX XXXX, XXXX - nothing back from support so reply to support with additonal information. 

XXXX XXXX, XXXX - another request/email to XXXX inquiring about funds, no reply. 

XXXX XXXX - XXXX XXXX - Mulitiple calls to XXXX support with 2+ hours of wait time with no pickup or system hangs up. 

Its been over a month and I have not received my $ XXXX SAME DAY wire transfer to my coinbase account?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I had a credit card balance of {$9400.00} on my Capital One Credit card. I made my minimum payment of {$250.00} that same day. On XXXX XXXX, XXXX I called Capital One to inquire if they would be willing to accept a settlement, but still keep my account open. They declined and stated the only way to bring my balance to {$0.00} was to pay the full amount due which was now at {$9100.00}. That day I paid my remaining balance in whole which settled my debt with Capital One. A few days ago I received an email letting me know my statement for the month was ready. On a balance of {$0.00} Capital One decided to charge me interest of {$140.00}. Today, XXXX XXXX, XXXX I spoke to a Capital One manager, over the phone, ( XXXX ID # XXXX ). She and the employee ( ID # XXXX ) I spoke with before I was transferred to her refused to wave the interest charged from a {$0.00} balance. They insisted it was interest being charged from the previous balance. The manager I spoke with on XXXX XXXX said as long as I paid the balance of {$9100.00} I would have gotten rid of my debt. Now Capital One is attempting to steal {$140.00} from me after settling my debt with them.

Company response to consumer: Closed with explanation