vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I have an auto loan with Westlake Financial. This a loan that was transferred to Westlake from XXXX. At any rate, I felt forced to cut off any verbal communication with them in XXXX of 2017 to where I changed my cell phone number. My payments are due on the XXXX of each month and if the XXXX comes in with no payment yet they would robocall my phone 3+ times a day from several different phone numbers. One time I had even called to give them a double payment after being over 30 days late and was greeted by a very nasty agent threatening to take my car if it were even seen in a grocery store parking lot ... all the while calling them at the time to give them two payments and have the account up to date. I am rarely as much as 30 days late. 

I have been trying to make my payment online as I typically do. I 'm assuming they are mad they do n't have a phone number to robocall me at so they have made it so I can no longer make my payment online ; which I 've been doing since I changed my phone number. I click to make the payment, fill in everything and get a message telling me the payment date must be between the date I 've selected ( which is the current date ) and the previous day. If I drop down the calendar to try and make a different date selection the calendar is grayed out and not allowing me the ability to select any dates. I have screenshots of all of this. It occurs despite the total amount I put in as well. 

In the morning I will use someone else 's phone and block their number, so they do n't get robocalls, before calling Westlake to make the payment but can this be fixed? This is really unfair to those of us making honest attempts at paying our bills and being prohibited because we do n't want to call to end up getting harassed by the agent on the other end of the phone or having our numbers added to their robocall list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Borrowed XXXX, owe XXXX while making payments. Will not set up payment plan or stop outrageous interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I just received an email saying I owe {$640.00} and a payment is due XX/XX/XXXX.  There is a BIG problem! I do not owe any money to Capital One. XXXX and XXXX owes {$640.00} to Capital One. The last time I heard anything from XXXX XXXX. about my case was XXXX XXXX or XXXX. In the letter they sent me was letting me know that it could take 90 days to sort things out with my case. I have not heart from XXXX XXXX since. On XX/XX/XXXX, I disputed the {$640.00} charge because the XXXX products ( XXXX 4k Blu-Ray Player ) I bought from XXXX was supposed to come with {$1200.00} worth of FREE 4K movies. I had never received {$1200.00} worth of FREE 4K movies that was advertised at XXXX and XXXX. When I tried to return the product to XXXX, XXXX told me that " You can not return the player, you can only exchange the player because of Copy Right Laws. ". I contacted XXXX about the movies and they refuse to do anything, I then contacted XXXX about it and showed them the email XXXX sent me and XXXX told me I need to contact XXXX. I then Filed an complaint with the BBB against XXXX and XXXX. XXXX refuses to do anything, XXXX still refuses to do anything and tell me I need to contact XXXX. XXXX had closed the case or cases because they refuse to do anything. How is it my fault when XXXX and XXXX committed fraud?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted complaint XXXX and it was sent to compass bank on XXXX. They have exceeded their required acknowledgment time of 3 business days. I have not heard anything. 

Yesterday I was charged an additional overdraft fee because they attempted to " transfer '' {$25.00} from my checking account ( that I have been trying to close for over a month ) to my closed savings. The fees they are charging because I am attempting to close my accounts are predatory and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
Weeks ago I called and reported a list of unauthorized transactions : " I did not make these charges : XX/XX/XXXX Auth : XXXX XXXX {$19.00} Completed Transactions XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$120.00}XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$110.00}XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$260.00} XX/XX/XXXX XXXX XXXX Il {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$150.00} XX/XX/XXXX XXXX XXXX Ny {$160.00} '' The balance at the time was more than {$2600.00}. That 's what I expected to be replaced. Today I get a check for {$230.00} with no explanation where the rest of it is.

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 2018-01-18 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX as well as XXXX XXXX XXXX , and XXXX  each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as onXX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please 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 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc.
State: SC

Complaint narrative:
I purchased an used XXXX XXXX XXXX at one of the Carmax locations in XX/XX/XXXX The car was at  57,000 miles and sold for alittle over {$17000.00} at the time. While doing the paperwork with the representative XXXX ( she no longer works there ) she explained the warranty and said I had to purchase it, and it would cover me for the first 3 years if something happened to the car. She also told me I had to sign an arbitration agreement or she could n't sell me the car, she did n't explain the specifics of the agreement, only that I could n't join any class action lawsuits against the company. Once my car reached 100,000 miles, it started shutting off on its own and when driving a certain amount of mph it would slow down on its own as if it was going to stop in the middle of the road then after awhile it would speed up to the correct amount of mph, then stop again. I called to do a warranty claim and was told it 's over 100,000 miles so there was nothing they could do, but I still had to pay for the warranty until the end of the loan. It left me in a bad situation. Being that they could n't be of any assistance with helping with repairs. I got a mechanic to look at the car and was told the transmission was slipping and the car appeared as if it had several body work done and it was just repainted to cover accidents the car previously had, the transmission had been worked on before and it was n't going to last. I felt like I was lied to about the car fax, which is probably why I was forced to sign arbitration agreement. All my payments were made on time and it was never a problem with me making my payments. I called Carmax in XX/XX/XXXX and told them to pick up the car, they picked it up 3 months later in XX/XX/XXXXwith no notice and kept my belongings inside the car without returning them. The car was sold at an auction and I received no notice to attend, they said the could n't reach me. I received letters from a collection agency which is a breach of the arbitration agreement on XXXX behalf, I tried to rectify this several times with no resolution. XXXX has charged off the loan on my credit under their company 's name but still sent a collection agency to collect balance, once they knew they breached contract they bought the account back from the collection agency and keeping it within their collections while adding on several fees and interest after the fact they have written the account off, but making it nearly impossible to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: U.S. BANCORP
State: GA

Complaint narrative:
I did not make this purchase : XXXX/XXXX/XXXX XXXX  XXXX XXXX {$190.00} I did n't make any of these either : XXXX/XXXX/XXXX Auth : XXXX Payments {$19.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$120.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$110.00} XXXX/XXXX/XXXX XXXX XXXX XXXX Ca {$59.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$730.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$29.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$12.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00} XXXX/XXXX/XXXX XXXX XXXX XXXX  {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$590.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XXXX/XXXX/XXXX XXXX XXXX Ny {$160.00} I did n't. I do n't know who did. I have n't done any business or received anything from them. I figure my card was stolen and I reported that months ago. I have no choice but to continue complaining until the situation is totally 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 explanation
Consumer complaint received 2018-01-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: GA

Complaint narrative:
CASE NUMBER : XXXX XXXX  Cardmember service representative I received a letter from XXXX and it is questioning whether I want to continue with reversing the fraudulent charges made on my card. My answer is yes. I did not make any of these charges : XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX Auth : XXXX  Payments {$19.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XX/XX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX Pmts XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXXUsps.com Postal Store XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$8.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$29.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$12.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXXl Wa {$7.00} XX/XX/XXXXXXXX XXXX Pmts XXXX Wa {$8.00}XX/XX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$99.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$260.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$590.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/XXXX XXXX  XXXX Ny {$160.00} That is my final answer. You should be ashamed making me wait for my money this long.

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 2018-01-18 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:
On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX, as well as XXXX XXXX XXXX XXXX and XXXX each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as on XX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX. I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please 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 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Previously filed matter with XXXX. 

XXXX sold faulty product to dealership and ultimately fell on consumer. 

Matter was shared with lender, yet they disregarded matter entirely. 

Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. 

Mater was brought before lender through XXXX vs XXXX XXXX XXXX. 

Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. 

XXXX negligence, as well as lender disregard placed undue burden on consumer. 

Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. 

Vehicle shows noted signs of defect while driving. 

Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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:
I transferred XXXX from my bank account via SEPA to Coinbase on the XXXX XXXX XXXX 2018. After more than 1 week the money still has not been transferred to my coinbase account or refunded to my bank account. I contacted their customer service and they opened at ticket. My case number is : # XXXX I included the reference code, my identity has been verified and my bank account details are matching to the ones Coinbase has.

The customer support wrote me that if the information is matching, they " might '' be able to find it. This is an insolence because I have it in black and white that Coinbase received my money.

I have n't received any news or updates on the case since 4 days and Coinbase stopped replying to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an automobile loan and they took an extra unauthorized payment on XXXX XXXX XXXX when I made a monthly payment on XXXX XXXX. They insist they did not take an extra unauthorized payment. When I paid the monthly loan amount on XXXX XXXX XXXX I was told and my account reflected " payment current ''. 

By taking the extra amount of {$450.00} I can not pay my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2017, I wrote to the company asking them to validate debt as I did not have a contract with Portfolio Recovery ever. They sent me ( 4 ) bills to validate debt which was from ( 4 ) different companies, for 4 different accounts. I have never opened any account with Portfolio Recovery. I have tried disputing this debt on numerous occasions as I did not have any contractual agreement with this company. Sending a bill is not validating an account with said company. I have asked them to show i actually signed and agreed upon said debt. The amounts on the bill does not attach what has been reported to my credit report. 

Accounts : 1 ) XXXX XXXX {$680.00} 2 ) XXXX XXXX {$490.00} 3 ) XXXX XXXX  {$440.00} 4 ) XXXX XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
Re : Fidelity Visa Credit Card, XXXX XXXX XXXX On XXXX/XXXX/XXXX I made an electronic funds transfer ( bill payment ) from my bank account to my credit card account in the amount of {$1000.00}. I did not receive an email confirmation on that day, nor the following day, nor could I find in my account information that a payment had been made. As such, on XXXX/XXXX/XXXX, I again made an EFT to my credit card account. 
Now, two debits of {$1000.00} are shown on my account, and apparently made at the exact same time on the same date. 
On XXXX/XXXX/XXXX at XXXX XXXX, I received 2 email confirmations showing debits of {$1000.00} On this date, I call XXXX XXXX  XXXX XXXX to request a cancellation or refund, and spoke to XXXX at XXXX XXXX+/- I was advised, in substance, that : This company is a bank, and unless someone shows up for work, no electronic confirmations will be made. XXXX will debit your account immediately, however, to return the inadvertent transfer of {$1000.00} from the float, it may take 10 to 15 days to correct the error.

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 2018-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Doing the hurricane season, Florida was decaled a disaster area, I applied for a three month forbearance with US Bank and they told if after the three months, if I could n't pay it back, their would work with me on it, Well a few days after it was due, they put me in the credit burial and when I call them, their would say that they are working on the modification that I applied for and that the underwriters are working on it. I told me nothing would happen to my credit and it need.

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