vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I WAS CHARGED FOR THINGS I DID NOT AUTHORIZE ON MY ACCOUNT. WHEN I RECIEVED MY STATEMENTS BACK WHEN THIS HAPPEN I CONTACTED VISA BANK OF AMERICA AND LET THEM KNOW THAT THESE WERE FRAUD CHARGES. THEY TOLD ME I WAS TOO OLD TO REMEMBER AND I PROBABLY DID MAKE THESE TRANSACTIONS. I TOLD THEM I DID NOT AND TO PLEASE STOP BEING SO MEAN TO ME. THEY CONTINUED TO SPEAK TO ME SO MEAN. I ENDED UP HAVING TO PAY FOR ALL THESE CHARGES AND THEN THEY CLOSED MY ACCOUNT WITH THEM. I WILL LIST THE CHARGES ; XXXX/XXXX/XXXX XXXX XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIME SHARE BY OWNER- XXXX CARD ENDING XXXX XXXX/XXXX/XXXX TIMESHARE BY OWNER- XXXX CARD ENDING XXXX RESORTS FOR HEROS- XXXX NOT SURE OF THE DATE I DONT REMEMBER PLEASE HELP ME TO GET MY MONEY BACK THAT WAS STOLEN FROM ME. IM A ELDERLY MAN AND THEY TOOK ADVANTAGE OF ME FOR THAT REASON TELLING ME I FORGOT AND I DID NOT. I KNOW WHO I MAKE CHARGES WITH AND I DID NOT AUTHORIZE ANY OF THESE CHARGES.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
Coinbase.com has my money and they will not release it. There systems are failing and they say they can not verfiy my account. I have sent support tickets, talked to their XXXX chat bot, and tried to verify my account with no luck and with no response. 

This is clearly a scam to make money off the float of peoples funds. I hope the CFPB will take any and all action aginst this clear and obvious fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX  and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under  subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to  placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
- Around XX/XX/XXXX, Chase sent me a targeted offer ( attached below ) in the physical mail for opening a Chase XXXX XXXX XXXX card. The offer was to earn XXXX XXXX XXXX if I spent {$3000.00} in the first three months. The inside of the offer had instructions for applying, which was to merely use the link provided and enter your XXXX XXXX account information. 
- On XX/XX/XXXX, I followed the instructions to apply for the card using this offer. Upon being immediately approved for the card, I saw verbiage about XXXX points instead so I immediately called the Chase number to speak with a representative. The representative I spoke with assured me that it was a mistake and I will receive the correct XXXX miles upon meeting the {$3000.00} spend. He even mentioned that he saw an internal email mentioning that people might be calling about this issue and to assure them that they will receive the correct mileage. 
- Around XX/XX/XXXX, I knew I had met the {$3000.00} spend threshold, so I logged onto my mileage, and saw that I was only awarded XXXX bonus miles, which was XXXX less than promised. I called the number on the back of the card, and spoke with a different chase representative. I explained the situation and they told me they will put the request for the credit in, and I will have to wait up to 10 business days for a response in the mail. 
- On XX/XX/XXXX, I received a letter in the mail stating that I am not eligible for any different offer, and that no further miles will be awarded.

On XX/XX/XXXX, I called Chase back, spoke to a different representative, and explained the entire situation up to this point, including the fact that I still have the physical offer that was sent to me. She told me she will put in a request to have this " expedited '', and that I have to wait two billing cycles to see if Chase/XXXX has decided to award me those miles. 

At this point I 'm very concerned, because it seems like Chase is dragging this out to a point where I will be less likely to fight about it, and their promise for correspondence in two billing cycles is n't even a resolution to this issue, its a decision on whether they feel like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
we disputed public record of bankruptcy filed XXXX2009 credit  bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

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 2018-01-12 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: AZ

Complaint narrative:
we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XXXX XXXX,2017 I registered two sells with Coinbase,  the first was for Ethereum - {$500.00} - Ref : XXXX. The second was for LTC - {$500.00} - Ref:XXXX. Both transactions are marked " Completed '' on Coinbase 's website. They state an expected transfer delay for ACH bank transfers of 4-6 business days. I submitted a support ticket with Coinbase on XXXX, still no response. It has been exactly one month today and I have received no response to my support ticket, phone calls, nor have I received any payment ETA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I go to close on my XXXX XXXX XXXX XXXX property on XXXX/XXXX/XXXX ( one week and Monday is a Federal Holiday ). 

On XXXX/XXXX/XXXX advised by title company that Chase held 2 liens on my property ( HELOC & Mortgage. 

Took out HELOC ( Loan # XXXX ) with Chase in XXXX Refinanced with Chase Mortgage in XXXX XXXX. 

Chase HELOC paid in full ( at or shortly after close ) - not in dispute by Chase. 

Due to Chases ' negligence and indifference, thirteen ( 13 ) months after Chase admits that they were paid in full, my property is still being held hostage to their indifference which will very likely block the sale. 

XXXX/XXXX/XXXX Chase submitted Lien Release request to XXXX XXXX. 

Chase later following my discussion with XXXX  admitted that the XXXX document had been rejected due to error in submittal. They since have said they had re-submitted on XXXX/XXXX/XXXX or in XXXX XXXX ( but in neither but can they provide a copy of either doc. ) One Chase rep also said they received confirmation of lien release from XXXX having been processed ( again no copy available ) and before another Chase employee told me the re-submittal was in XXXX XXXX. Add to this a letter from Chase 's Executive Director XXXX XXXX, dated XXXX/XXXX/XXXX congratulating us on paying off our loan in XX/XX/XXXX( six months after the closing and after Chase supposedly submitted the 1st lien release request ; or a month after the latest date they claim to have submitted the 2nd request. ) I have begged to speak with their legal dept. and been told they have no legal dept and no lawyers at Chase ( Must be busy settling the $ XXXX XXXX in DOJ suits? ) Or to speak with someone in mgmt control to convey the urgency of the problem. Not only do n't they employ any lawyers but no managers either! 

I need Chase 's FAKE lien removed from my property in time for the XXXX to provide a clean title for our close next Friday ( XXXX/XXXX/XXXX ). 

I have spoken with no less than 8 Chase rep 's to date and have zero confidence that anyone cares or is even slightly motivated to resolve their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Tried setting up a gemini wallet, was automatically blocked due to my bank not allowing me to go external. I want to set up this digital wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For several days this week (XXXX XXXX, 2018), I've been trying to lift a freeze I placed on my credit with Transunion last year during the XXXX security breach. Trying to speak to a live person resulted in five dropped calls (on overseas lines). I have forgotten my pin and Transunion provides no on-line avenue for retrieving a lost pin. What they do is ask for a letter including all types of personal information that include a current address, However, the reason I need my credit freeze lifted is that I've relocated and am unable to get a car insurance quote because of the freeze, so I can get the insurance I need to get a new license and registration in the state to which I've moved, which will evidence my current address. I finally spoke to an overseas rep who said the company was snail mailing my pin to me. I have no way of knowing if this is true. I was able to ascertain from an XXXX  rep that they had placed no security freeze on my credit, and XXXX provided me with a way to retrieve my pin and lift my freeze with them. There's absolutely no reason why I shouldn't be able to retrieve a forgotten pin on line with all of the private personal information this company requires just to speak with you. What I initiated as a way to protect myself is now impeding my ability to establish myself personally and professionally in another part of the country. Bottom Line: Individuals should be able to retrieve their own PINs and lift a security freeze without the communication contortion I have experiences.

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 2018-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Two payments were taken out of my account when only one should have been. This put me in a bind. I called in in order to try and get a refund for the extra payment and I was told that it takes 3-5 business days in order for this to be processed and also the funds mailed paper check to my address. I advised the representative to check and see if there was a faster way for the funds to get returned to me and they were not willing to find out. I waited on hold for 40 minutes when I requested to speak to a supervisor. Then the representative returned and told me no supervisor was available and they would transfer me to their voicemail. I asked for the supervisors contact info so I can follow up as this is urgent and I was denied the request.I am reaching out as I need help. I am also going to file a complaint because the way the call was handled was not great customer service at all. Transaction  were XX/XX/XXXX for $XXXX and $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX filed a lawsuit to collect on a charged off credit card. To avoid a judgement, I called Midland on XXXX/XXXX/XXXX and agreed to settle the debt out of court for {$550.00}. {$300.00} was to be paid immediately and the remaining balance of {$250.00} was to be paid within 30 days ( XXXX/XXXX/XXXX ). I was told I would be sent a document to sign and return ( which I still have not received ) and upon making the last payment, I would be sent a letter staying the account had been paid in full. I made the first payment on XXXX after verifying on their website that the amount due reflected the agreed settlement amount, then made the final payment of {$250.00} on XXXX XXXX, XXXX. At that time the account balance was correct and should have showed a {$0.00} balance once the payment cleared. I checked the account on XXXX to ensure the payment had posted and found that they were then showing a balance of {$130.00}. I thought it may be a glitch so I waited another day and checked the account again only to find they were now claiming I owe a balance of {$230.00}. In addition to adding additional charges to my balance, they also made changes to how my payments had posted. Where there had only been the 2 amounts ( {$300.00} and {$250.00} ), the payments had been split up into smaller amounts and 2 additional amounts had been added showing a posted date of XXXX/XXXX/XXXX, which was not on there previously ( I have screenshots to verify this ). I have filed a dispute with midland but have not heard anything at all from them. The hearing for the suit was rescheduled to sometime in XXXX, and this needs to be corrected before that time. I do have a screenshot of the payment confirmation page from when I made the final payment stating that the payment was succesful and even says at the top it was for the balance in full ( though it does not show the actual amount paid, I do have proof of the amount I paid that day )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: TX

Complaint narrative:
I initiated a wire transfer in the gross amount of {$10000.00} ( {$9900.00} net after fees ) to my XXXX XXXX checking account on XXXX XXXX, XXXX. A domestic wire transfer should typically be completed same day or next business day. It is currently XXXX XXXX, XXXX and I have not received my wire nor a response from Coinbase. I have not been able to pay my rent as a result and am facing eviction charges. Furthermore, Ive been charged several overdraft fees from my bank, and I can not see a doctor for a XXXX XXXX that I have developed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QuickClick Loans of Illinois, LLC
State: VA

Complaint narrative:
I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
Hi, My account is blocked due to identity verification which not allows me to sell or buy any virtual currency. I can not do anything on my account on coinbase since it keeps asking me to verify my identification. I already submitted my driver license and it got accepted. However, coinbase still requires me to complete the personal information which I had tried to complete with my information but it kept saying that " could n't verify my account, try again in the next 24 hours ''. Also, the quiz question made no sense and not related with me. For example, the quiz gave me a list of cities and asked me what city that had XXXX XXXX How do I suppose to know what city has XXXX XXXX? And why coinbase used this kind of question to verify my identification when there was nothing relate with me. And since coinbase kept asking me to try again in the next 24 hours ; in another word, coinbase locked me from performing any activities on my account, including but not limited to, selling, buying, withdrawing, etc. I currently have {$6500.00} in the account and all I want is my money back. I do n't want to do business with Coinbase anymore. Please help me! {$6500.00} is a big money for me, I just want my money to pay for my tuition fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Equifax has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Equifax, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.

Company response to consumer: Closed with non-monetary relief