vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Financial, LLC
State: GA

Complaint narrative:
Ticket # XXXX. On XXXX XXXX I made a {$1600.00} purchase on XXXXXXXX for a crypto currency know as ETH. I have verified every single part of the transaction to include the purchase amount actually showing the purchase of said crypto directly on the XXXXXXXX exchange. However, the amount of purchase for said crypto was never credited to my XXXXXXXX  account and still to this day does not reflect the actual purchase made even though there own exchange reflects the purchase of the crypto. I have tried on several attempts to reach out to the business but have not received any response back aside from the standard generic computer generated email stating they have received my submitted ticket requesting assistance in the matter.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX son was contacted by someone on XXXX and asked if he had a USAA XXXX account and said they would pay him to talk to and be a friend of the scammer. My son was provided with {$11000.00} in checks, mostly {$1500.00} but one {$2500.00} check to deposit to his account. The funds were deposited to the account and the entire amount was immediately made available. He was able to make two wire transfers, onXXXX in the amount of {$1900.00} and the other for {$2500.00}. The scammers provided him with a video via XXXX on how to make a wire transfer on USAA. Additionally, he was instructed to XXXX two transactions and make visa gift card purchases. All in all, he was allowed to have access to withdraw the the entire amount through various transfers and purchases. USAA reports that they sent an alert to the XXXX XXXX XXXX account holder. They did not send alerts to the adult account holder. I noticed that another consumer reported a similar experience in XXXX of this year. These scammers are intentionally targeting youth with USAA accounts because of the lack of financial controls that other banks have implemented. USAA is aware and is not acting responsibly. I can't imagine any universe where a XXXX XXXX XXXX needs to send wire transfers. My own bank limits ATM withdrawals to {$1000.00} per day on an adult account! 

USAA is failing to implement appropriate controls to protect military consumers with youth accounts. They are aware that their youth accounts are being targeted, as evidenced by the report filed a couple months ago, and the multiple communications I have had this week, and still fail to take action to protect their consumers. 

Additionally, USAA has denied me to take a loan to preserve my credit rating, even though I have good credit and financial means to pay. " There is no second look. '' They are not working with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  debt collection company has not removed a collection that in agreement to be paid would be deleted. The account number is 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 non-monetary relief
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We bought a household appliance on XX/XX/XXXX with our Chase credit card. The appliance was under warranty but the company refused to service the appliance after calling them every day for weeks. 

We reversed the charge, and the company sent us to debt collection. The debt collectors sent us an intimidating email so out of fear we sent them a check on XX/XX/XXXX to pay for the appliance plus an additional late fee that was 33 % of the original payment. 

Then Chase undid the charge reversal, meaning we have paid the company twice. We contested this and sent detailed proof to Chase that we had paid the debt collectors, including the emails from the debt collectors and scans of the exact check we sent to them. 

We are stuck with a broken appliance that we have had to pay more than double the price for. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: GA

Complaint narrative:
XXXX debt collection company has not removed a collection that in agreement to be paid would be deleted. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
BBVA acquired Simple and transferred accounts on XX/XX/2021. I had 3 accounts with Simple and through today, XX/XX/XXXX, I still have not been able to gain access to my account. 

BBVA very publicly failed to transfer accounts : https : XXXX I have tried multiple times to get access to my accounts. Today, XX/XX/XXXX, BBVA emailed me about how they want to gain my trust : BBVA wants to build your confidence in us. 

We know some of you have had issues with your login and we apologize for your experience. Thats why, for a limited time, we are waiving many fees. In this email, we'll show you how to avoid certain fees after the waivers expire. 

I called the number they provided and the BBVA representative said that all computer systems are down and they are unable to access any account information. How is this level of incompetence allowed at a regulated institution? 

My confidence in them is destroyed. I will be leaving as soon as possible. Good luck to XXXX on their proposed acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I never get a payment is due notice to my email. This feature is turned on in my account. I also only request electronic mail. After I paid my minimum due payment early and then I checked my account it showed {$0.00} due payment. Target then deducted an additional {$35.00} from autopay without my knowledge. Because there was not enough money in the bank I was charged XXXX overdraft fee. All my bills this month were paid thats why I was stunned to see this. All I got from target was an apology. This is not the first time this has happened. Also some of their employees give out wrong information regarding this problem. When I pay the minimum due early I am paid until next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
My husband and I created a family trust. The bank refused to supersede our existing accounts into the name of the trust. They wanted us to open a new account in the name of the trust and just add our family members as beneficiaries to the existing accounts and in the event of our death those members could then move the funds into the trust. This is not the function of a trust. They are providing incorrect legal advice and providing incorrect information to stakeholders that could ultimately result in legal and tax consequences.

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 2021-05-23 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: FL

Complaint narrative:
XXXX  2021 monthly payment of {$1700.00} due XX/XX/XXXX instead paid two days late resulting in penalty charge of {$17.00} plus interest charge of {$30.00} appearing on XXXX 2021 monthly statement. 
XXXX statement paid timely and not subject to any type of penalty, etc. 
The company, Capital One, without explanation now charges an additional interest charge of {$16.00} explaining that such valid charge results from the XXXX 2021 late payment. 
As client never before involved in a late payment situation. I have an issue with the arbitrary action of Capital One but most relevant what appears to be an unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23 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: Colony Brands, Inc.
State: SD

Complaint narrative:
My XXXX XXXX account shows {$130.00} being owed and its only {$100.00} therefore shouldn't be showing up on my credit report. 
I attempted to resolve this with XXXX XXXX but they refused to cooperate with me and any resolution to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - Closed CashApp account, visa card ending XXXX. 

XX/XX/XXXX - XXXX sent refund to CashApp account with the visa card ending XXXX. Contacted XXXX to inform that CashApp account was closed. XXXX said they can not cancel the refund to reissue to another form of payment and to contact CashApp to retrieve the funds. 

XX/XX/XXXX - emailed CashApp customer support to request access to closed account so that I may retrieve funds refunded by XXXX or request CashApp send me a check for the funds. 

XX/XX/XXXX - emailed CashApp customer support & Square, Inc. customer support. 

XX/XX/XXXX - XX/XX/XXXX - Have emailed CashApp customer support multiple times. They keep sending me the same auto-reply email asking the same questions about the closed account and nothing has moved forward. There is no other way to contact CashApp customer support besides email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I made contact with National Enterprise Systems. The representative said I owed from an account they had purchased in order to collect. I asked what account and the representative said it was a loan under XXXX XXXX XXXX. which had gone bankrupt. I asked when was this opened and the representative said XXXX. I asked how much and the representative said XXXX. The representative then said National Enterprise Systems owns the debt now and we will settle for a payment of XXXX. I explained to the representative that I had no student loans and no debt dating back to XXXX. I also explained that my ID, social security number and personal information had been used to open fraudulent credit and bank accounts dating back to XXXX. I told the representative I had filed a police report and FTC report stating this account was fraud. I demanded National Enterprise Systems cease with their frivolous attempt to collect under the Fair Debt Collect Practice Act of the state of California as I had referred the matter to my attorney, XXXX 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 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
My account at Binance.US was locked ( unable to trade ) due to a chargeback of {$2000.00}. The deposit was initiated on XXXX and I was not notified that it failed until XXXX. 

Once notified, I immediately resolved the balance issue by depositing {$2000.00}. 

The email notification about the chargeback promised " You do not have to create a ticket or follow up about this matter, we will check your accounts status in a few days to see if its been covered to unlock you. '' Nevertheless, I opened a ticket on XXXX to track my account reactivation. 

By XXXX I still had a lock on my account. I responded to the ticket to nudge the issue. No response was received, until XXXX, after my second request for a follow-up on XXXX. I was assured that someone would look into my account. Two days later, on XXXX, I received an update on my support ticket : " I'll have our clearance department unlock your account. I'll let you know once it's been unlocked as soon as possible. '' But this has yet to occur. It is now XXXX, and my account is still locked. I am unable to trade, and my portfolio has lost around 30 % of its value while I've been left hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Capital Bank sent me a XXXX XXXX XXXX Mastercard that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
A collection account was opened up using my social security number on XXXX. I have no knowledge of this debt and would like to this debt to be validated/verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
On Friday, XX/XX/XXXX, I submitted a Deposit to Gemini ( XXXX XXXX ) for {$2000.00} from my XXXX XXXX XXXX XXXX account. I accidentally submitted the request from my savings account instead of checking account, so the request hit the XXXX account and came back to Gemini as NSF. After this, my Gemini account was frozen by the administration. I am unable to access any of my funds in this account now ( over {$6000.00} ), but there is also a - {$2000.00} margin in the USD portion of the account on file ( even though it is frozen ). All I need is for my account to be unfrozen in order to cover this margin balance, but have not had any luck in getting a hold of Gemini customer service to unfreeze. I have reached out to XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that my account be unfrozen so that I can cover the margin balance and withdraw funds, but have not received any response. Please help me! I am afraid that my money will be depleted or inaccessible in this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I would like to have this debt validated that was opened up on XXXX. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: TN

Complaint narrative:
On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.

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 2021-05-23 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: TN

Complaint narrative:
On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
6 months ago I got married. Since then I have tried at least half a dozen times to have my name changed. I submitted all legal documentation requested. I also requested to add my husband so he could handle things while I am away on military orders. Again, I submitted all documentation. I have never heard back. When I requested an update they became nasty. I'm having issues getting it paid due to their unwillingness to update these things and it will affect my credit.

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 2021-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for Equifax, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX  for XXXX ; XXXX  for XXXX XXXX XXXX VA XXXX XXXX XXXX NA ; and XXXX  for XXXX XXXX. I have filed a report with the FTC, report number # 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 2021-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation