vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I converted approximately {$100.00} of USD into DAI stablecoin. On XX/XX/XXXX, I withdrew {$11.00} worth of DAI from my Gemini account. Shortly after that transaction occurred my account was restricted and all of my crypto assets locked. I've been prohibited from withdrawing, selling, or trading any current crypto assets, including converting my remaining DAI back into USD. I'm only allowed to withdraw the fiat currency that remains on my account or buy more crypto. 

No explanation was given for this restriction. No timetable was offered on when this restriction will be lifted or what actions I could take to lift it myself. I have twice contacted Gemini support through email, which was the only method offered from their support page, and have received no response other than their automated system saying they received my request. I also sent a direct message to their Gemini support account on XXXX and called their phone number. I have yet to speak, chat, or communicate in any way with an actual person from their company. 

Due to the numerous complaints about Gemini I've seen online on sites such as XXXX and XXXX, I've decided to file this complaint with the Consumer Financial Protection Bureau rather than wait any longer for Gemini to respond to my emails. 

If there's a legitimate reason for this restriction, it wasn't given to me. There is no logical or legal reason I can think of for them to restrict my account. My account is verified and there's nothing pending with regards to my identification. These assets are rightfully mine and have been paid for legally with my own money. I should not be prohibited from withdrawing, trading, or selling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I contacted Capital one and asked for my annual fee of {$39.00} to be waived due to not being able to work the past 3 weeks because of COVID. To which I was basically told Capital one is offering no means of help to card holders in these rough times. The representatives were rude, unbothered and inconsiderate stating " Maybe they can push off the charges to another month. '' I don't know if I'll start back work next month I don't even know how I'm going to pay my utility bills. I wasn't even asking for my charges to be waived just their ridiculous annual fee that I don't have the money for. It's ridiculous I've been a customer for 5 years of on-time payments, never had to ask for something like this before and this is how I'm treated. After the card is cleared I'm canceling the account, cold hearted company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have called 7 times or more re this issue. Complaint was supposed to be resolved on last call about 2 weeks ago. Re : returned item to store. I was given a gift card for the return, which I used a few weeks later. Also, a returned coat that XXXX had at their pickup location since XX/XX/2021. XXXX was supposed to return item to store. Nothing more I can do. This is wasting my time. I do not owe them any money. All interest charges were to be removed. None of this was my fault. Returns were completed within time allowed. I will not call them again. I will never do an online order with them again. Too many XXXX people workiing there ... Don't like to do business with companies that are inefficient AND dishonest with customers!!!

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 monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Macy 's credit services has innaurately reported a missing payment states from XX/XX/2018. When this first appeared, I spoke with customer support regarding the issue and they resolved it immediately. This was due to an error with their payment system stating a successful payment even though there was a server error. The system was also showing my actual address but they were sending mail to an address that was two years old - which means I was not properly notified about the payment issue until well after. I had email billing notifications on and they failed to acknowledge this, and still sent physical mail to the over two year old address. The support team agreed to remove this negative report after I successfully paid the amount due over the phone. This is having a negative impact on my score and when I inquired most recently to remedy the situation and even close my account, I was denied doing so.

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 2021-05-30 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: Chime Financial Inc
State: CO

Complaint narrative:
The credit utilization reported for this account has been historically incorrect and the company has been grossly negligent in their reporting. Utilization is and has always been incorrect, often stating a balance 5-10x the actual dollar amount. I have reached out to the company in multiple occasions requesting that they fix this issue, only to receive a response that it has been completed, while seeing my utilization increase. At this point in the ( and for the last 60 days ), I have held a {$0.00} balance. My credit reports are showing almost {$5000.00} ( and rising with each report update ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NC

Complaint narrative:
I called Equifax and reported multiple inquiries I have not authorized. I advised Equifax that Ive already contacted every creditor that pulled my credit report without my permission and they instructed me to call them on every call. Equifax told me to file a complaint with consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hey, thanks first for your great service i have a problem with Paypal, the problem is : paypal limited my account on XXXX XX/XX/2020, and they told me in the email that Money in my PayPal account may be held for up to 180 days to cover potential future claims, such as chargebacks filed by your customers then the rest of the money i can transfer it to my bank account after 180 days. 
today i login to my account to see that all my balance transferred to paypal without sending any email of noticing me ( balance of XXXX Transaction ID : XXXX ) i called them this morning so they can refund me the money they take they said that they take all my money because my business caused them a damage when i asked them what kind of damage so i can understand more they have got no answer for that. 
and also they were charging me XXXX at every charge back saying damage caused by chargeback ( Transaction ID : XXXX XXXX like this transaction. 
so please if there is anything you can do to help me solve this and get my money back ill be grateful to you. 

account information : paypal email : XXXX company name : XXXX XXXX Full name : XXXX XXXX XXXX XXXX Phone : XXXX XXXX thank you again for your service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During Corona Virus I was unemployed, laid off, and had a gross loss of income. My XXXX XXXX from XXXX XXXX as well as my XXXX. I am single mother and head of our house hold. 

I became reasonable for my mothers requirements to repay, car liens, storage, burial, transport and service expenses while grieving the loss of two immediate family members. during the uncertain finically fearful time, I accrued debt and late fees associated to my capital one credit card. Having been a long time standing consumer and consistent I fell behind in payments because the requirement of monthly fees were unbearably large. 

I attempted to contact capital one credit card three times, spending close to an hour with each representative to rectify the past due balance, and create a sustainable and practical repayment plan where the monthly fees were more suitable to providing necessities while maintaining my credit integrity. I was declined, and told they would forbear one month but I would owe a large amount the following two months with out a lower monthly payment moving forward.

I was also told to call back two weeks to see if I " qualified '' for a different program all the while accruing more debt and fees. By the third attempt to " qualify for pandemic relief program that was in accordance to my affordability '' I was provided the same outcome each time. 

I have done my due diligence but the gross disregard for the unforeseen and unplanned circumstances is consumer abuse by force by lacking to provide a suitable and practical repayment program with the given circumstances. God faith and fair dealing has not been honored as it pertains to consumers just starting to regain capabilities again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chex Systems is not abiding by 15 USC 1681 ( a ) ( 4 ) in upholding the consumer right to privacy.

I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 

1. PLEASE REMOVE FROM MY CREDIT REPORT Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT InquirerXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX This is my third attempt. 
Under federal law, you have thirty ( 30 ) days to remove inaccute and unfair data from my account.

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 2021-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX has been reporting to my TransUnion report for the amount of XXXX  XXXX dont know this company I have never done business with this company this company does not have a contract with my written signature.

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 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Purchased a XXXX phone from the XXXX XXXX  in XX/XX/2021 with Synchrony " XXXX  store financing. '' After signing up for the credit I found they would only allow online billing only. I presumed this would mean I would need to respond to an email payment request. 

After a month of not receiving any payment request I found a snail mail notification to setup a synchrony account from Synchrony. We did quickly and found a late charge was already applied for the first payment due XX/XX/XXXX which was then paid on XX/XX/XXXX. Checking into the account I now find, on XX/XX/XXXX, the full account balance due. 

We paid the late charge, setup the account, and setup monthly autopay. However, the company then made the entire balance due. Since autopay was for a fixed amount it required intervention. I'll note this was not just the last statement balance but also the current amount due after posting payment and the late fee. I paid the full balance and closed the account. While this is just an annoyance to me, this is a predatory practice for low income earners who do not have cash for such things readily available. I contacted the company through their available channels with no productive response. 

It has also persuaded me that I will never trust XXXX or synchrony to be reasonable brokers for my transactions. I have, for a decade, avoided anything XXXX due to their practices. Add to the list XXXX/Synchrony. 

Had I continued being non-responsive, declined to pay a late fee, or failed to complete another reasonable step then the full account balance due would be reasonable. However, the action of taking a late fee payment and then also demanding the full balance due is designed to ensnare late fees and put people into a debt cycle.

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 monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
Hello, I initiated a transfer from my bank account in the United States to my bank account in XXXX on XX/XX/2021 with a transfer amount of USD XXXX. Today XX/XX/2021 the transaction has still not completed. WorldRemit has requested documentation which I promptly provided, unfortunately many times they requested the same documentation. 

It has been an extremely frustrating experience, other money transfer companies will do a wire transfer in 24 hours. Unfortunately other money transfer companies do not have the Brazilian bank I need for the transfer. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has been reporting to my Experian report for the amount of {$3200.00}. 
I dont know this company I have never done business with this company this company doesnt have any contract with my written signature.

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 2021-05-30 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: OneMain Finance Corporation
State: TX

Complaint narrative:
OneMain Financial is showing that I have three accounts as being " Current, Paid or Paying as Agreed '' when those three are in fact closed accounts. The accounts are as follows : Account 1 of 3 - no balance listed ; Account 2 of 3 - balance of {$10000.00} ; and Account 3 of 3 with a balance of {$8900.00}. I have only one account still open that they are not reporting and it has a remaining balance of approximately {$6900.00} and it is current, and in fact, I'm paid in advance on the account. By their showing those closed accounts as still being current it makes my debt ratio go sky high and I am being turned down by other creditors that I would like to do business with. It makes them think I have outstanding debt to OneMain Financial of {$19000.00}. I've called several times and sent hard copy letters to OneMain twice ( 1st letter sent on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX ) yet they continue to show the same information under the three major credit reporting bureaus ( i.e., XXXX XXXX and XXXX ). After I threatened to sue them in small claims court, they finally sent a reply letter on XX/XX/XXXX, saying the way they are reporting my accounts is correct. How can it be correct when those 3 accounts are no longer open, and the one that is open does not show up on my credit bureau reports? I really need your help because this is also costing me to be charged higher rates by my utility and insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charges Foreign Transactions fees on XXXX transactions for vendors that have their parent company registered outside US. The fact is that XXXX already adjusts / charges the vendor for the currency conversion and as far as a US customer is concerned the credit card transactions are processed by XXXX and not the vendor themselves. This practice of charging foreign transaction fees of 3 % on such purchases by Bank of America visa credit cards is totally unacceptable & may be illegal as well. 

I would like the CFPB to look into this practice and take legal action on this to prevent future abuse by any large banking institutions going forward.

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 2021-05-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have paid Ll bean send them the copy from my bank showing the check being paid. Now they want me to research when they have the Original copy of check. This is the second time I have had problems when I make a payment there problem is there vendor XXXX XXXX handles there banking.something is wrong. I paid on line from my bank and never have an issue. But with them always a problem I am definitely closing there charge soon as this is clear up. I only owe XXXX. What a hassel.

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 monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sensible Auto Lending, LLC
State: NC

Complaint narrative:
Sensible Auto Lending at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, has been sending me collection notices in the amount of {$3500.00}, collection has been reported as past due balance. It is still being reported as 30/60/90 days late from 2016 with comments stating it was affected by natural disasters. It is a direct violation of my rights with FCRA and I will like this collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Transunion. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XXXX of XX/XX/2020 ( I will include these receipts ) it was received XX/XX/XXXX.

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 2021-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
have a paypal credit account they deactivated my paypal account I have money to use on my paypal credit account when I pay my monthly bill and since the closed my paypal account I cant use my money that's not fair that's like holding money hostage that belongs belongs ok me I feel like they should close the account and I dont owe the bill then since I cant access the money after I pay the bill

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