vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
This complain is about Coinbase Crypto currency platform.I opened my account with them in XXXX XXXXAfter successfully opening my account, I started buying Bitcoin and other crypto currency for a month or so.All if a sudden, my account was under review and it has been over 3 months and not been resolved. 

I have emailed support on several occasions but got automated response and nothing has been done.There is no phone number as well.I have submitted all required documents which were asked when opening the account and not sure why it is review. 

I am loosing hope and need desperate help to get my money back. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CREDIT INQUIRY ON MY experian credit report that SBA XXXX XXXX TX recieved an application for an SBA loan due to covid relief. Application # XXXX for {$200000.00}. Spoke with fraud department, they cancelled the application, told me to file a dispute with experian, put freeze on credit, and file this with identitytheft.gov.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wan na apply for the auto loan, the lender can pull XXXX  and XXXX  easily. But Equifax is not allow any lender to pull my credit. I called them every day more than one month to solve this error, but the problem is still exist. All lenders said when they tried to pull my credit, block was there. Equifax agents told me my credits there, no freeze ... no block ... on their end ... and I can request the paper document through mail, but the lender do not accept any documents I offered, they just want pull my credit report online on their system. Also, when I log in to my Equifax online account, it always shows error message, it shows " please call customer service center ... '' I called dozens of times, the agents can't do anything, but I can't do anything on my end. " FROZEN '' status is still there on my end what I can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: VA

Complaint narrative:
In XXXX of XXXX i was contacted by XXXX XXXX XXXX XXXX. This company is reporting erroneously about two accounts i had with Credit Control after being settled and after having acknowledged and sent confirmation of said settlement. One debt was settled on XX/XX/XXXX and the other was settled XX/XX/XXXX. I received two statements that reflected that the both accounts were settled in full.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Binance.US On XX/XX/2021 I transferred {$20.00}, five times to Bianace.US but 2 transactions failed and {$60.00} was transferred but they took out {$100.00} from my bank account. I reached out the company dozen times through emails and requested for them to refund the money they withdrew from my account but they just keep stalling and they keep saying that they dont see that on their end. As you can see in the attachment, {$20.00} was withdrawn 5 times, I have purchased XXXX crypto 2 times for {$20.00} each, total {$40.00} and there is {$20.00} of cash in the account for total of {$60.00}. It seems that other people have experienced this issue with this company and they are taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
In a nutshell, I sent XXXX BNB from my XXXX wallet to my Binance USA account. I QR coded my address from Binance and double checked, then i QR coded my Memo number which is required, i double checked that as well. When i sent this amount to my binance USA wallet the memo number was gone. Don't know how but it was not there. 

Binance states that they can recover the funds since it is with them in their wallet, they charge a extra fee to do this ... so no problem. Here is the problem that i have with them ... I wrote them on XX/XX/XXXX they confirmed the opening of my ticket. Sent them all the relevant with trans ID and their chain showing successful receipt. I have yet to have any further communications with them. It has been 9 working days and nothing, i had a problem with them before on a smaller item and they never even got back to me. This is currently over 3,000 dollars and i will not this go by ... I just want my money deposited like they said they could do and i just want to be done with them. I have been to forums and chat rooms and the complaints are scary. I just want to be done with them, i am so angry because there is NO CUSTOMER SERVICE at all! Please help, i am XXXX years old and this is my retirement money. I finally made a little savings from this and now they will not even put my funds in my account even with the information that they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had two credit cards with Chase and I have always paid them in time. 
I changed my name a few months ago when I became a citizen. I informed the bank and sent them documents showing my new name to make sure everything is correct. 
They changed my name on my accounts and sent me new credit cards. 
Last month, I received an email from them that I get a {$200.00} bonus if I open a checking account with them. I still have their email. 
I went to the Chase bank ( XXXX  branch, XXXX, TX XXXX and opened a checking account using my new name. They said that I should deposit money into my account ASAP. So I transferred {$5000.00} into my account using XXXX XXXX {$1000.00} XXXX, and direct deposit XXXX {$4000.00} XXXX. I have documents proving that. 
After a few days the money showed up in my account, but then I received a letter from Chase that the account is blocked and will be closed! No reason was provided. 
I called them several times but nobody answered or returned my call. I went to the branch and they said there is an issue regarding my new name. I told them to transfer my money back to my original accounts. They said they can not do it, but they will send me a check. 
It is about a month and they have not sent me a check nor they explain what has happened. 
Is it the worst customer service or fraud? 
I have worked with many banks, but Chase has been the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 — Investigation took more than 30 days
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company KLSFINANCIAL ( Original Creditor : XXXX  XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-06 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received the ppp loan in my account XX/XX/2021, and Citibank froze my account. I was required to and 4 questions about my loan and which I did correctly. I also offered to send in documentation. I never heard anything back until I contacted them the following Wednesday. I had to call 5 times to get help. They then asked me to send in documents. They companies customers service is terrible. Why should my money be held when I already had to be verified three times to get it. They also dont allow you to speak with fraud department. A bank shouldnt be allowed to freeze someone account this long especially when the money is legit. I even gave them my sba loan number. This is a loan under my social and I have to pay it back, not my bank and I dont even have access to the money.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: TX

Complaint narrative:
I am waiting for a refund from XXXX XXXX XXXX {$440.00} and {$340.00} XXXX sent to my canceled Chase XXXX visa card ending in XXXX. 

Nobody I contact on Chase support via phone is able to locate this credit card, likely because the card was closed in 2019. 

Chase is unable to locate my account and unable to verify to XXXX that they did not receive a refund. Chase has told me numerous times that they would look into this for me but I have never received word back from Chase. Chase phone reps have stated that they can not and will not issue any communication to XXXX regarding the status of any rejected refunds issued in my name, nor will Chase be willing, according to the many phone reps I have had to speak with, to do a three way call with myself, Chase, and XXXX. I expected much better from the world 's largest retail bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The problem is that my account was closed for absolutely nothing that I did wrong! I have the evidence to prove that I have paid my bill consistently on time for over a year. My bill was due on the first every month until they changed it to the XXXX after closing my account. On XX/XX/XXXX I went online to pay my Kohls bill and was not allowed to do so. My available balance was reduced to zero and my account was closed. I looked at my payment history and saw something called a Merchandise finance charge refund dated XX/XX/XXXX ( which is why I assume they changed my due date to the XXXX ) which I did not understand. I called Kohls the same day ( XX/XX/XXXX ) to find out what was going on and they told me it was because I filed for bankruptcy which I have never filed. I complained that there had to be some misunderstanding or misinformation, I have never filed for bankruptcy and I have always paid my bill on time. They said that they would look into it and submit it to a review process and to check back in approximately ten business days. I called back on XX/XX/XXXX and someone ( ID XXXX XXXX told me that something was filed on XX/XX/XXXX to reverse the charge out. I allowed more time for this to play out. I called again on XX/XX/XXXX and was told by someone ( ID XXXX XXXX that A letter was sent to me on the XXXX requesting income information and that this information would allow them to reopen my account. I received a letter on XX/XX/XXXX saying only that my account was not able to be reopened due to " missing income ''. The letter did not request any information from me. After receiving this letter I made a second call to Kohls that day to tell them that the letter they sent me did not request anything and I could not understand why I couldn't just tell them what they needed to know over the phone. The person I talked to ( ID XXXX ) told me that I should wait for a second letter! I told them my patience was running out. It's been over a month. Today is XX/XX/XXXX and I have yet to receive a second letter, my account is still closed, and my available balance is still XXXX. I'm still making my payments in spite of them closing my account and charging me a late fee for them not allowing me to make my XX/XX/XXXX payment on time! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2017 date I former boyfriend XXXX XXXX and I purchased a vehicle through Ally financial. As our relationship separated I took my XXXX  to court for XXXX matters. While we were in court, I asked the judge to force XXXX to remove my name from the loan as XXXX has been deliberately making late payments in an effort to destroy my credit, and the judge granted a court order XXXX attached ) for XXXX XXXX to keep possession of the vehicle and remove my name from the loan, title and registration. 
XXXX XXXX has violated a court order and continues to destroy my credit through making late payments, which is another violation of his court order considered indirect harassment. 
Ally financial has ignored my requests on several temps to rectify this situation and continues to report XXXX XXXX derogatory late payments on my credit report, even though a court order is in place. I have written letters explaining the situation and they go ignored and the only number I can contact Ally Financial through is the collections department and nothing is getting achieved.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021, Company called to lower my interest rate on my credit card through financial institution. Transferred me to major Credit card issuing company. Did not asked to verify my information, stated they could lower my interest rate to 6 % because I was a good consumer. I asked which of my various credit cards have the largest balance. Gave lowest balance. They gave just enough verifying information to seem authentic, verified some personal information with them, then verbalize that I was no longer comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FC HoldCo LLC
State: NC

Complaint narrative:
During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with Flagship Credit Acceptance. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, Flagship Credit has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked Flagship Credit Acceptance to correct my pay history on several occasions, but they never take any action to correct the matter.

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 2021-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I signed up for a loan pre-COVID and have made regular payments on-time to Rise Credit. When the pandemic happened, I lost my second job and reached out to Rise for additional help. They deferred a few payments but the annual interest is 220.68 %, which I recognize I agreed to when I signed the loan agreement. However, when I contacted them recently to come up with a resolution they told me that they can't refinance because the system is automatic and will offer me to refinance when the system allow it to. 
I currently owe {$4000.00} ( principal {$2400.00} ) When I told them I would pay {$1000.00} off per month to help bring the balance down, they said I could but that it could go back to the $ XXXX amount, which seems odd to me because I'm paying the balance down.

Company response to consumer: Closed with explanation