vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a transaction with Coinbase.com. I made each transaction of {$1000.00} to buy bitcoins. They promised money will be available to withdraw in 5 days. Since 9 days left funds are still not available to withdraw. Their telephone people are basically robots and they don't answer their email. That charged my checking account for {$1000.00} and I think I will never get it back. I also contacted my bank, but since it's a transfer they told me I have zero chances to get money back.This company is a scum since they don't communicate in any way. my account with Coinbase is XXXX. Thanks for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are multiple accounts that are listed with XXXX and TransUnion as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple accounts that are listed with Equifax and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My account is on autopay and I checked my account status on XX/XX/XXXX online. I saw that my monthly payment increased and I did not think that I was properly notified of the change in terms. I double checked my email and my online account inbox, no statement was sent to me to notify of the change. I called on XX/XX/XXXX to tell them that I did not receive a statement through email and it is not in my online inbox. The last statement I received was XX/XX/XXXX, with a payment due date of XX/XX/XXXX. The customer service representative said they have a generated statement dated XX/XX/XXXX for my XX/XX/XXXX due ; the monthly payment amount can not be changed. I told him that I was not properly notified and that I would like an account adjustment for the overpayment they are charging me. I said I have a screenshot showing that they did not send me a statement. He said it doesnt matter because on their system it shows it was sent and they cant change my payment or change the payment allocation. He offered to cancel my autopay and put me on forbearance. I said no I dont have a problem paying, my problem is that I was not notified. I asked to speak with a supervisor and was on hold for 30 more minutes. The representative said they are very busy. I said I have to get to work and would like a callback. He said they would call back asap. I gave him my number and it has been over 24 hours without a callback from the supervisor to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi I have recently been notified from JPMorgan chase that all my 4 credit cards with them have been closed with no explanation over the phone at all that there is nothing for me to do about it and no one to talk to I have been an excellent customer with them for over 2 years now and relly on there credit cards for daily and large purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, someone withdrew {$160.00} from my account at a wells fargo bank. I did not authorize this or anyone to use my card. To my knowledge, my card was in my possession ; however when I filed my claim for the false transaction, wells fargo representative stated my original card was used and denied my claim. I don't understand how it was possible for my original card to be used in XXXX XXXX, CA. On the date of the transaction, I was at a funeral 30 miles away that entire day. In short, I did not make the transaction and did not authorize it. And because I couldn't explain to their liking how the money was stolen from me, they denied my claim. I am the victim of theft and because I can't explain how it happened, they won't give me my money back. This is so unethical. I don't know who else to turn to.

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
As of XX/XX/2013, the amount is XXXX. I was a student living in Maryland.

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 2018-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I deposited a check at Wells Fargo on XX/XX/XXXX at XXXX in the amount of XXXX. Was told that due to my account status that a small portion {$200.00} would be available on XX/XX/XXXX, another portion {$4800.00} on XX/XX/XXXX, then the remaining XXXX on XX/XX/XXXX. I spoke with the manager on the phone, I called the XXXX number and was told they could not change this. I have deposited a larger amount check with some funds available same day and all by the next. Have deposited several checks all from the same Legal firm with no problem As to the status of my account, I have no Leins or overdrafts. When I requested to close my account they refused and called the police. They are trying to disperse my funds at their discretion. So now I can not close this account and bank elsewhere until after XX/XX/XXXX when all my money is available per Wells Fargo. According to the Regulation CC on Federal Reserve. Gov. The max amount of time they can hold funds is 5 days and then have to prove why they are holding funds. They have proven nothing and are holding a portion longer then 5 days. This occurred in XXXX Co. at the XXXX XXXX branch of Wells Fargo and according to the Police Officer in the state of Colorado the branch manager is the Boss, he basically can decide what he can do with peoples accounts, the Managers name is XXXX XXXX.I will be reporting this to every agency I can. I am also going to seek any and ALL Legal advise and action available, including contacting the current Class Action Suit against Wells Fargo

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 2018-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: TX

Complaint narrative:
On last year my son took sick which he was playing half of the bills with me so once he took sick and i had to take over i got behind and one thing after another he passed and i literally lost my mind, and during that time i i didnt know where i were, they came and pick up my car, so now that Im putting my piece together i need a car to start back working, and its hard because of the repo, i didnt hear both from the company until i seen on my credit how much they sold it for, i ask was it anything they can do i was told it was sold and they sorry for my lost, so now Im stuck with no car and repo on my credit that happen during a bad time in my life the death of my son

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 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I just received notification today, XX/XX/XXXX, from XXXX   that Chase pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX Chase FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with Chase and a letter from Chase verifying it was fraudulent. I have attached my complaint letter directly to Chase telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). Chase did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
This is a Very sick company!!! i have called them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ... ... ... ... ... ... ... ..and they will not return my funds back to family and i can not transfer it to my bank account!!!!!!!!!!!!!!! 
For several weeks now I've been trying to transfer funds into my bank account to pay numerous utility bills or rent water bill food for the family and PayPal has completely denied me access to funds that belong to me and restricted the account and now they will not return the funds back to the origination causing complete chaos and complete nonsense on this horrible despicable company that should be absolutely sued and every one of their members should be thrown in jail for a long time they are criminals and they are one of the worst companies in the United States of America and all the calls get routed to the XXXX islands and they do absolutely nothing they have stolen well over {$2000.00} of my funds and claimed that there's an issue with another account which does not belong to me and they have caused you normal amount of problems with my family!!!!!!!!!!! 
paypal has over 100,000 unanswered complaints, and instead of dealing with them just palms off the customers, locks their accounts, and keeps the interest. 

in the current arbitration process that paypal has instituted complaints must be submitted to binding private arbitration in XXXX XXXX county. paypal then reserved the right to freeze that customer 's account, and made the person submitting the complaint pay part of the arbitration fees ( which could often amount to more than the claim itself ). customers were also not allowed to combine separate disputes into a single arbitration, therefore making them pay multiple fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I REQUESTED AND NEVER RECEIVED CONTRACTUAL AGREEMENT BEARING MY SIGNATURE STATING I AGREED TO REPAY.ALSO COURT CASE WIYH XXXX XXXX XXXX SCHEDULED INCIRCUIT COURT OF XXXX COUNTY ON XX/XX/XXXX AT XXXX COURT CASE #XXXX. DISCOVER BANK VS XXXX XXXX.IHAVE ON ALL 3 CREDIT REPORTS. XXXX XXXX XXXX STATING BALANCE OWED $XXXX .I AM BEING SUED FOR $XXXX PLUS COURT COST. WITHOUT ANY DOCUMENTS BEARING MY SIGNATURE SAYING THERE WAS CONTRACT OR EVEN IF ACCOUNT IS MINE TO PAY.FDCPA&FCRA SECTION 807-8 ALSO623-B.I HAVE NO VALIDATION.IWANTED TO SAVE MY CREDIT SCORE SO I MADE PAYMENTS OF $XXXX   FOR SEVERAL MONTHS IN XX/XX/XXXX. NEVER RECEIVED ANYTHING STATING PAYMENTS WENT TO BALANCE OWED THEY SUED ME PRIOR TO NEGOTIATING ON PAYMENT PLAN.I NEVER WAS TOLD I COULD DISPUTE THE CHARGES. I ONLY RECEIVED NOTICE OF MOTION.I COULD MAIL YOU CREDIT REPORTS AND COURT PAPERS.ALSO THIS DISCOVER BANK ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX. DISCOVER BANK ADDRESS XX/XX/XXXX,XXXX XX/XX/XXXX. MY CONTACT INFORMATION ,XX/XX/XXXX SOCIAL SECURITY NUMBER XX/XX/XXXX ADDRESS XX/XX/XXXX. TELEPHONE XXXX EMAIL XXXX.PLEASE HELP RECENTLY RETIRED DEBT TO RATIO UNABLE TO ANY LONGER PAY. MONTHLY INCOME $XXXX MONTH RENT $XXXX UTILITIES ABOUT $XXXX MEDICAL &LIFE INSURANCE ABOUT$XXXX OTHER BILLS.I LIVE ALONE NO DEPENDENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
XXXX is violating section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: DISCOVER BANK
State: AZ

Complaint narrative:
XX/XX/XXXX I opened a secured card with Discover Card Services by depositing {$200.00} with Discover. During XXXX   XX/XX/XXXX or XXXX XX/XX/XXXXI contacted Discover and asked when would the security deposit be returned, because I wanted to increase my limit which would require additional funds deposited with Discover. I was told my account history would be reviewed after 7 billing cycles after which, my account would be converted to a regular card and my security deposit would be returned 10 days later. 
In addition, I would not be allowed to deposit addition funds to increase my limit because my account would no longer be a secured card account. At that point I decided to increase my limit by depositing the remaining funds to increase my limit to the {$2500.00} maximum. In XX/XX/XXXX, I had not received my security deposit which should have been returned over 30 days prior. I contacted Discover and was told that a review was done and my card was not converted and would be reviewed every month until it is. I was also told that I had a 30 day late on my account which was the reason the account was not converted. I had never had a 30 day late. 

I contacted Discover today after nearly a year ; and I was told that my account has not converted over as of yet and it would continued to be reviewed. At this point I feel Discover baited  me into depositing funds into a security account and being given a time frame to return those funds ; now that time frame is to the discretion of Discover and no one can tell me when that will be. So instead of actually utilizing my funds as collateral for a predetermined time frame, 6 months, which is reasonable, I am being forced to essentially pay Discover monthly interest for borrowing my own funds, which they have control over..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a mortgage loan and from the beginning I tried to request a 60 day rate lock. I was told this was not needed because I was putting a large downpayment of {$220000.00} there should not be any issues. The home was being purchase from my brother for {$400000.00} and a loan was being requested for {$180000.00} for a period of 20 years. 
on. The loan application was started on approximately XX/XX/XXXX on the week of XX/XX/XXXX I was informed that while checking my credit there was a fraud/extended fraud alert in the credit agency. I provided proof that XXXX, XXXX and XXXX show no locks. I was told told that XXXX had it and it needed to be clear in order to proceed. On XX/XX/XXXX I faxed proof of id and request to have any and all extended fraud alerts removed. The representative told me that the request was received and it will take two business days to complete in there system. On Tuesday XX/XX/XXXX I called and verify that the request was removed through the confirmation number provided by XXXX. On XX/XX/XXXX I was informed by Citibank mortgage loan officer that all three credit bureaus are reporting fraud alerts and if not removed by consumer loan rate will not be honor and the process will have to start over. An appraisal on home was made on the first week for an outrageous price of almost {$700.00}. The average price for appraisal by other companies is about 400 -500. I was forced to go with Citibank appraisal and it was conducted on XX/XX/XXXX. Citibank despite my efforts to clear fraud alert is saying closing of loan will probably not occur and rate lock will not be honor. I find this type of business as unethical as I tried to get a rate lock for 60 days in the event something did not get accomplish.

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 2018-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company name is Capital One : I inquired on XX/XX/XXXX as to the reason my account was overdrawn, I saw a membership fee of {$39.00} & a interest accessment of {$9.00}. This caused my account to be over drawn by {$22.00}, I called the office on the date above and the representative informed me that because they valued me as a customer that the interest fees and membership fee would be reversed by close of business on Monday the XX/XX/XXXX, I waited until Tuesday the XX/XX/XXXX and noticed that the charges were still there. I called in and spoke to XXXX XXXX ID # XXXX, she stated that she could not reverse charges even thought I was told that they would be, I requested to speak with a supervisor, I got XXXX XXXX ID # XXXX who identified herself as a supervisor. She stated that she would resolve the issue and said she was sorry for the inconvenience, after waiting on the phone for over 45minutes, she stated that their was nothing for her to reverse and she was the final word on the matter. I requested that the recording on the XX/XX/XXXX be reviewed, she said she would do it for training purposes only. 
I told XXXX XXXX I was filing a complaint, I asked to speak to someone higher up in here office, she stated that she was the final word on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I just received notification today, XX/XX/XXXX, from XXXX   that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.

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