vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A flight was purchased on XXXX/XXXX/XXXX for a trip to XXXX XXXX, XXXX for XXXX XXXX, XXXX flying on XXXX XXXX purchased through JP Morgan Chase XXXX XXXX XXXX website with my Chase XXXX XXXX credit card for {$680.00}. The airline entered into a pilot strike one week before the flight. As a result of the pilot strike the flight was canceled, I purchased another flight from an alternative airline ( XXXX XXXX ) for the same dates through Chase benefits and requested a refund from Chase. I was forced to open a claim rather than recieve the funds from the canceled flight, they want paperwork from an airline that will not return my calls, I have told Chase time and time again they ( XXXX XXXX ) do not even pick up the phone. The flight was canceled in XXXX XXXX and it is now XXXX XXXX, I have yet to recieve any type of credit from JP Morgan Chase. Several individuals, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, as well as several others have received their refunds from their respective Credit Cards by submitting claims with their CC or by filing a claim with the CFPB. I keep getting the run around from Chase XXXX XXXX, their site specifically says that i am eligible for a refund as a result of the pilots strike, but they refuse to process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. My name is XXXX XXXX XXXX. On XXXX/XXXX/XXXX I went to Regions Bank on XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I intended to transfer {$10000.00} of my EE savings bonds to my savings/money market account so as to avoid having to pay taxes. However, the banker XXXX XXXX said that he could cash in all of my savings bonds without incurring any tax penalties. As a result of his advise, I ended up going ahead and cashing in all of my {$100000.00} worth of savings bonds since he said that it would be tax free and they could go into a tax deferred account with no tax penalty. Unfortunately, I feel that he took advantage of me and tried to make sure he could get all of my deposits even though it was not in my best interest. He cashed in all XXXX of my savings bonds and put them into a non-tax deferred account so he could make sure that he got credit for all of my deposits. I am now faced with paying taxes on the full amount because of his greed and lack of morals. I originally wanted to only deposit XXXX, but he talked me into doing all of may savings bonds even though it was not in my best interest. I am a widow with a very limited amount of income and savings. I want them to make up the amount of the taxes that I will have to pay due to their greed and unethical behavior. They are trying to say that they did n't do anything wrong, but what really happened is that after I asked to just cash in XXXX, he talked me into cashing in everything. The bank even tried to set me up with an accountant after they realized the mistake that they made, but the accountant confirmed that they had made a big mistake by making me cash in all of the bonds. Since they are not admitting any blame, they refuse to do anything to help me with the severe tax penalties from cashing in so much at once. They should not be allowed to get away with taking advantage of old ladies like me with not having any penalties. They are being predatory and taking advantage of me, and no one seems to care how much they cost me in tax penalties. I think they are going to tax me about XXXX when all of that could have been avoided if they did the right thing. I even questioned XXXX multiple times about the taxes, and he assured me everything was fine. He lied to me and took advantage of me. I ca n't afford to be ripped off by people like him, as I have no opportunity to replenish my savings at this age. Please help me hold them accountable, as they are lying and not taking responsibility for their actions.

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 2018-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
I want to use XXXX. It blocks external applicants.

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 2018-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
Please review the following This loan is currently inaccessible. 
This is what I get when I try to register to see information concerning my loan.

Fay Servicing brought my loan from XXXX XXXX. I was in a chapter XXXX bankruptcy when it was sold. I have never had access to my loan information. They are still considering my loan in chapter XXXX when I have sent them the discharge papers. Fay servicing say they do not honor that because it do not say termination. I have spoken with the person in charge of my loan but she said she had to take it up with her supervisor, this was 6 weeks ago. My bankruptcy was discharged in XXXX/XXXX/2017. 
Fay Servicing also tried to foreclose while in chapter XXXX without any assistance. 
Something needs to be done about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: AZ

Complaint narrative:
As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
Problem Narrative:

Using the LTC virtual currency address provided by Coinbase (XXXX) I transferred XXXX LTC virtual currency from an external exchange (XXXX) to Coinbase. Coinbase accepted the transfer on their web site and attempted to transfer to XXXX but the transfer stuck in the process. However, Coinbase states in their automated mail the coin WAS transferred, but the evidence below shows very clearly it has not cleared.

Here is the currency audit trail from XXXX  XXXX to Coinbase proving that Coinbase has the XXXX worth of LTC on their exchange:

Completed
2018-XX-XX XXXX
LTC
XXXX
Address: XXXX
Txid: XXXX 

Here is the mail Coinbase provided to me after they got the funds:

You just received
XXXX LTC
You just received XXXX LTC (worth $XXXX USD) from an external Litecoin account. It may take up to 6 network confirmations before your Litecoin is available to trade.

Checking the blockchain, the transaction obtains all confirmations.

Here is the notification they sent for the Coinbase XXXX  transfer:
(Also, note this is an internal process that Coinbase conducts, not the customer)

You just sent
XXXX LTC
Congratulations! You have successfully sent XXXX LTC (worth $XXXX  USD) to XXXX using Coinbase.
This withdrawal is being sent to an address ("XXXX") that you haven't previously used.



Upon verification of the funds, noticed they were in a PENDING state. Waited 24-hours with no response from support. Have emailed multiples times each day since with not response. They are not taking calls on their XXXX  number. No response from their XXXX XXXX account. I have also filed a BBB report and no response with that action. I hated to resort to this action, but unfortunately I have no other recourse to retrieve my funds.


Here is the transaction details for Coinbase transfer from their Coinbase wallet to XXXX  exchange:

deposit
XXXX XXXX - XXXX XXXX, 2018 UTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander USA, was hidden that this was a simple interest loan. I pay early and every week and only XXXX has been taken off my loan in a year and a half. 24 % or more interest rate. Charged to make payments. No phone calls every month are documented when I call to question the fees and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This is my 4th attempt to try to resolve this issue with this company. I have reached out to my Bankruptcy attorney and was told to make one last attempt before further action is taken. I was informed that even though World Finance sent my debt with them to collection It should still be considered as Included in Bankruptcy! XXXX XXXX has never contacted me or made me aware of any debt regarding World Finance and World Finance is reporting incorrectly.In most federal circuits, even debts that werent listed in your bankruptcy schedules are discharged, My case was a no-asset Chapter XXXX case. In the XXXX XXXX, the case that stands for that proposition is XXXX. I continue to check my credit for updates and it states " Charged Off Account '' which is once again INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclaycard is denying me from accessing my financial data using a 3rd party financial institution - XXXX. I had no issue accessing and loading my financial data from all of my other credit card and bank accounts. XXXX allows me to analyze my spending/payments, plan my financial path and make appropriate fiscal decisions. Without access to my Barclaycard financial data, I can not perform these tasks having complete information. I dont believe this is right for them to block access to my financial data.

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 2018-01-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX, XXXX I started looking over my credit report and noticed I had a lot of hard unauthorized inquiries on my report. So I called Equifax and no one wanted to help me. So on XXXX XXXX, XXXX I called again and got the same response that no one was able to help me and there wasnt anything that they could do about it. So on XXXX XXXX, XXXX I sent them certified letters with returned receipts and waited to hear something back. So in XXXX I called back and was able to place a fraud alert on my account. And I still was having unauthorized inquiries popping up on my report even with the fraud alert. No one is alerting me that someone is running my credit without my permission. I went get a police report and wrote more certified letters and still was told they couldnt do anything about it. I been sending letters and calling for 7 months now and still have yet to receive any help. Its now XXXX and Im still having the same problem. I keep sending letters and calling and no one is willing to help me. This is messing up my credit and stopping me from applying for a home loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Purchased XXXX BTC for {$100.00} at XXXX/XXXX/2018 XXXX on Coinbase.com and initiated a transfer to another exchange moments later. It is now almost 24 hours later and still showing " pending ''. Coinbase is refusing to initiate transfer, as transaction still shows " XXXX '' confirmations. This means they have yet to submit it to the blockchain to get authorized on the bitcoin blockchain. 

I am not the only one with this issue. If you visit their XXXX page ( XXXX ) you will see hundreds of other people with the same issue. It is causing us to lose money, borderline fraudulent, and morally not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports. Agency responded to my request by sending a letter titled VERIFICATION OF THE DEBT

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 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I contacted Aargon collection regarding an account that is not mine I have several times and they do n't respond with accurate time, also they never showed me proof of the account with any validation o requested copy of Identification, signed contract and any other forms. I received an email after I disputed the account which I do n't feel it 's save on the web. The company just ignored my request.

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 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day. 

It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment. 

The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed. 

One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. 
They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. 
The store manager even came to my house today depending payment! 
A day which the office is closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: NV

Complaint narrative:
When I was first notified of this fraudulent debt years ago, I notified the original collection company that my account had a fraud alert on the account and that I did not believe this was my account. The original debtor cancelled the debt years ago and sent the IRS documentation indicating the debt was forgiven and that I was to be taxably responsible for the forgiveness. I am now being harassed by a collection agency which has, I 'm guessing, purchased the account even though its already been written off and I 've already been held accountable for the tax forgiveness. My understanding is the original company was compensated by the government for the debt and therefore there is no debt to collect, Not to mention no one had ever provided me with any original wet signed documents indicating I was the original signor, which i asked for from the original creditor for years. 

I sent numerous emails and mailing to the original creditor which were never responded to within the 30 day timeframe and there were in violation of my consumer rights back then and now I am being harassed for a debt already forgiven.

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 2018-01-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
settlement o from XXXX XXXX reported on XXXX2016 inquiry

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 2018-01-06 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: DISCOVER BANK
State: MA

Complaint narrative:
Following up on a previously filed complaint against Discover Card : Thank you for your complaint XXXX about DISCOVER CARD. 

The company replied formally that they would return the unauthorized debits from my bank account if XXXX Bank provided the form they requested. A couple days later the investigations department at Discover called and said they would not return any money. The statement shows " reversed '' debits, but no reversal has occurred and the company has simply added to my account balance. 

This is yet another example of the company 's dishonesty, cloak and dagger policies to avoid being a fair creditor, and it has caused financial and emotional distress. 

My identity has been compromised. Almost all of the calls to Discover 's pay by phone line in XXXX lasted a minute at most, as shown on my phone records. XXXX 's investigation team said nobody can authorize an ACH debit in a minute or less. They also noted activity from different states ( Connecticut to XXXX ) occurring within 20 minutes, which would have been impossible for me to do.

Company response to consumer: Closed with explanation