vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
private company named Money Network Financial claiming to be a wholly owned subsidiary of Fiserv.Inc. sent me a debit card requiring that I provide identification information to the company to " activate '' a card I never requested to receive a " government benefit ''. This came by mail to my home address. The Return Address on the mailing is NOT TO THE so called company sending me this card. Instead it is to the named card " Economic Impact Payment Card '' at an address in XXXX, Nebraska. 
The enclosed mailing includes the statement that " You acknowledge that you have read the material provided to you, including the Terms and Conditions, Balance and Transaction Limit Schedule and Schedule for your Account, which can be found at XXXX ... ... ''. Obviously none of this is a United States Treasury Department message and requires access to materials NOT PROVIDED> There is the statement that " You acknowledge that any term of the Cardholder Agreement, including the Fee Schedule, may change at any time ... ... '' This appears a scam to get financial information or contact information about me including what would be electronically transmitted to unknown entities if used to interact with my personal bank or other entities. 
There is a reference to arbitration " in your full cardholder agreement '' without any link to what the " full cardholder agreement '' may be, where it is located, and what changes may be made to such agreement. 
There is no security provision on how information on this card will be managed.

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent a Non-member of PayPal a request to refund {$100.00} I gave her Dad on XXXX/21. PayPal 1st put it on hold on My Member Account, then refused to make funds available for me to transfer to my bank for 21 days. They keep locking me out of my account and now stalling, saying maybe keep trying other things, then I get locked out for 2-3 days more for trying it and following system prompts. " System '' keeps saying Oops, something went wrong. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was notified by Experian that a bankruptcy on my credit report was verified/certified by the company that reported the information to Experian from a dispute I submitted on XX/XX/XXXX asking for verification and accuracy of this bankruptcy. Upon my on investigation, I reached out to Iowa Courts and was informed that they not furnish, verify or report to the CRA 's. I then reached out to XXXX the source that furnishes bankruptcies to the CRA 's and was told that I do not have a bankruptcy in the database nor on my credit file. I also have a freeze on my XXXX file dating back to XX/XX/XXXX. So Experian falsely verified this unverifiable bankruptcy. Also, XXXX and XXXX  do not show a bankruptcy on my credit do to fact that XXXX unable to verify a bankruptcy in there database. See all attached proof.

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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
In XXXX of XXXX PHH mortgage once again decided to stop accepting my payments. Unfortunately they didnt inform me of this, nor have they returned any of my checks to me. Instead, they have been sending correspondence and most likely my personal checks, addressed to my deceased husband at an address neither of us have ever lived at. My husband has been dead for two years and neither he nor I have ever even lived in the town where PHH has been sending correspondence. My fear is that my late husband has been a victim of identity theft and someone is fraudulently receiving mail in his name. I dont know how PHH obtained this unknown address they have been sending things to, but I didnt give it to them and obviously neither did my late husband. My checks that I use to make my payments clearly have my name and address, and every qualified written request I have sent them has my name and full address at the top of the letter. PHH has been aware of my husbands death since XXXX of XXXX when I sent them his death certificate and they confirmed me as successor in interest. There is absolutely no excuse for them to be sending anything anywhere but to me at the address they know belongs to me. This is intentional. 
For two years PHH has been intentionally refusing to communicate with me, sending correspondence addressed to my late husband and addresses I havent lived at for years, and now to an unknown address. They have been denying my payments, offering me modifications and then denying or ignoring them, sending someone to photograph my house every month, and attempting to foreclose on my home even though I have made every single payment and complied with everything they have asked for. In addition to all this, they are now sending my personal information to an unknown place, and possibly an individual fraudulently using my late husbands information. This obviously puts me at risk of identity theft, not to mention a blatant disregard for my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is what happened : I was checking my credit scores than I see that I have a XXXX bank credit card and I was surprised because I never apply nothing from TD bank and the card was apply on XXXX XXXX and was open on XXXX XXXXThan I when to TD bank to check it and the say my information is there but the dont find a card and saw the agent prove on my XXXX  app she said Im surprised I dont see any credit card but your information is in the system then the ask me to call the credit bureau to block the card its nothing the can do. The following day I call XXXX  the said its like a co-signed thats why I have the report on my name than I told them I dont take any co-signed to nobody and I even not in the country I was on vacation the time credit card was open I ask them to close the card and tell me where the card was mail and the name who using it and the redirect me to TD bank i went to the bank again and the bank redirect me to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have previously filed a complaint through CFBP on XXXX XXXX XXXX the complain ID : XXXX about Coinbase company and the fact that they have locked my account for 33 days now and not only they respond very rarely but when they do they claim that the documents I provided them with are not accurate which I strongly reject and I will send you a screen shot of what they asked and what I provided to find out who is not doing the job right. 
I held around 3 BTC with Coinbase and I was a day to day trader. However they locked my account based on a false claim that my account was logged into from a prohibited country and ever since for some reason they kept ignoring me and my documents which proves they are wrong. 
The reason I am resubmitting a complaint again is because they asked me to provide them with 1- A bank statement not older that 30 days. 2- A utility bill not older than 30 days. 3- Government issued ID.

So I sent them 1- A full PXXXX XXXX statement dated XXXX. 2- Electricity bill dated XXXX. 3- XXXX passport. 4- XXXX driving licence. 
All containing what they asked for which is my name and my current address and bank details and etc. 
Surprisingly the E mail I received instead was : ''The documents you provided was older than 30 days and you did not provide your ID '' I am so frustrated with their customer service and I would like you to have a look at what they requested and what I sent to them. 
Please help me as I feel helpless and I think Coinbase intend to hold on to people assets for as long as possible Coinbase the price of Bitcoin is sky rocketing.

They do not care to correspond well with me as a customer and do not care if I have family and need to look after their well beings. 
Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank Of America is the Company in question on XX/XX/20 I filed a dispute with Bank of America. I filed a claim with Bank of America the claim amount is {$8000.00} I have a balance of {$1600.00} Bank Of America froze my account It has been a nightmare ever since they froze my account such a hassle. I have yet to access my funds and for the reason that my account is frozen Bank Of America can not work on the initial claim.

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 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is a follow up to case # XXXX. I received an email on XX/XX/XXXX that XXXX XXXX XXXX for Bank of America was looking into my complaint. The email ( see attached ) stated that I must respond to him by the XX/XX/XXXX to review my complaint. I called the number provided and left him a voicemail on XX/XX/XXXX and XX/XX/XXXX. I called him again on the XXXX, left a voicemail and called the cell phone number provided. The cell phone number provided stated it was a number that could not be completed as dialed. On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating that he had until XX/XX/XXXX to respond back to me. I never have heard back from them. Instead, I received a call on the XXXX from XXXX XXXX, the individual who was a part of the scam. The reason I know this is he stated that he was the one that had talked with me in XXXX ( he had a heavy XXXX accent ) and asked if I remembered him. Of course I did, he scammed me out of almost {$50000.00}. I went off on him about scamming me and hung up on him. When I immediately called him back, the number XXXX had been disconnected.

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 2021-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DC

Complaint narrative:
I have a chime account open & on XXXX XXXX @ XXXX I had {$90.00} in my savings & {$5.00} in my spending account. My transactions were disabled & I did not make any transactions until the next morning when I was about to transfer some of the {$90.00} to my spending to purchase food. I noticed all my money is gone {$95.00}. Under transactions it says it was Transferred to a friend by the name of XXXX XXXX who banks with Chime as well. I reached out to Chime to file a dispute and let them know the transaction was unauthorized. They requested me to fill out and email an Affidavit form I did so & I havent heard back from Chime since. I googled to see if anyone else faced this problem & there is a whole review page https : //www.depositaccounts.com/banks/reviews/chime.html of people currently and previously facing this exact same problem & are loosing a lot of money. My transactions were off which means the money shouldnt have been able to transfer to anyone. In addition I didnt receive an email or phone notification as I normally do when I make a transaction. Lastly I have not even set up the feature to allow transferring money to others who bank w chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Self Financial Inc.
State: FL

Complaint narrative:
This account report XX/XX/2021. Report number # XXXX. Account number XXXX company XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX. This account was open up fraudulent without my permission I was in the hospital and when I got out because I was sick with COVID-19 and found this out. I thought it was my account and paid it in full and I found out later I never had this account I really paid it off because it was reporting on my credit. So I paid it now its reporting as late and thats not my account so I will like to have this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
Opened current bank account for first stimulus check. Changed phone numbers and the only way to get into account is with number I no longer have. I am unable to get into my account sent them prove the money was deposited in that account. Someone emailed me asking for all my info so they can open account that was weeks ago and they are not responding to my emails. They are holding my money. Please help me I have all the proof its my account. I have an email from current that says the money was deposited. 


Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The following and attached is further proof of Capital One card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top XXXX Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 Capital One Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent Capital One payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting Capital One is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: LA

Complaint narrative:
I was in high school in Georgia I did not open this account. This account is fraudulent.

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 2021-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northern Arizona Creditors Service, Inc.
State: AZ

Complaint narrative:
Northern Arizona creditors service inc. received a medical bill to collect on me a few years ago. I set up a payment plan and never missed my payments, I even paid extra sometimes. I paid off the debt on XX/XX/2020 with XXXX XXXX at Northern Arizona creditors service , inc . In XXXX they reported I still owed a balance of XXXX dollars and I had to dispute it. They then reported the balance was paid for a less amount but paid in full. I have a letter I received from them saying it was paid in full and uploaded it after the dispute came back resolved but it was reflecting incorrectly. XXXX told me it was paid in full and when they report to the credit Bureaus that is how they will report, paid in full, nothing more. They not only reported improperly but also notated the account the same improper way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XX/XX/2021 IRS has send my stimulus payment as a direct deposit to my account ending in XXXX, the account which has been closed long time ago. Today I called Capital One and this manager said to call on weekdays because apparently she can't get access to my closed account transactions on weekends. 

As you would already know from all my previous complaints I don't trust Capital One and I don't trust your phone operators at all. 

So I called again and this time a representative named XXXX - ID : XXXX picked up the call. She said " the bank has received the money and the money was supposed to be returned back to the IRS because the account is already closed but the money hasn't been returned yet and she does not know why it hasn't been returned yet. '' Then upon questioning her, the very next moment she says " Capital One has not received any stimulus payment from IRS so the bank can not return any money that the bank hasn't received in the first place. '' I asked her, " you just now said the money has come through '' and she says " no, no, no, I didn't say that. '' Then she asks me to contact IRS to find out about it and said there is nothing Capital One can do about it. 

As I have said before, I always knew money in my Capital One accounts were never safe. I am glad I have closed all my accounts with Capital One, the best decision I have ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TX

Complaint narrative:
The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.

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 2021-01-16 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: TX

Complaint narrative:
The following and attached is further proof of XXXX XXXX card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent XXXX XXXX payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting XXXX XXXX is not mine.

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