vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: NY

Complaint narrative:
I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest on XX/XX/XXXX-XX/XX/2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.

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 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I am a XXXX XXXX, so I am hoping I am in the right place. 

The company Coinbase has recently been locking users accounts and freezing their assests ( some seem to be up to 2 months ). This is horrific considering they may have wanted to buy/sell/trade their currencies out for XXXX. 

I have been a user on Coinbase for 2 years, however in XXXX they froze my account and I have yet to be able to access it. Timeline below : XX/XX/XXXX - I join coinbase and actively trade currencies Wed, XX/XX/XXXX - account is frozen after trading a currency Wed, XX/XX/XXXX - email them with a support ticket saying my funds are locked for verification Wed, XX/XX/XXXX - go through every possible identity verification, facial, passport, address. Still funds are locked. 
Fri, XX/XX/XXXX - send another support ticket, no response Sun, XX/XX/XXXX - email their CPO, no response Sun, XX/XX/XXXX - send another support ticket, no response Mon, XX/XX/XXXX - send another support ticket, no response During these times I have been requesting assistance on their subreddit ( XXXX XXXX XXXX  ). Many other people are having the same issues with more money in their account than I do. 

I can only assume they are doing this to keep people into their coins as the market is currently booming. However if they keep this up during a crash I expect a large lawsuit will be heading their way. 

With regards to identification, they should know who I am through support tickets : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Debt Collector XXXX XXXX XXXX XXXX XXXX entered my property breaching the peace where they proceeded to repossess my automobile that was financed by the General Motors Financial where they were told Cease and Desist their collection attempts and was told to vacate the property address more than 10 times which was witnessed by the XXXX Police Department who so told me to move out their way to allow the Self Help Third Party repossessor to repo my only vehicle. The towing company damaged my property by damaging my parking shelter and destroyed the landscape Upon further investigation after the repossessors took more than 2 hours blocking my driveway and traffic on the street the Office of the Secretary of State of Texas confirms that the towing company was in tax forfeiture and prohibited from collecting in Texas and are refusiing my demand to return my truck and all of my personal property inside of which has prompted a criminal complaint to be filed with the XXXX Police Department which can been verified by XXXX XXXX of the XXXX Police Department in XXXX, Texas.. 

Full details and supporting evidence is attrached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$290.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$350.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an account with Chase Credit Cards. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe Chase any additional funds. However, my account accrued prorated daily interest onXX/XX/XXXX-XX/XX/XXXX2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and Chase did send me an email, which I later realized. However, as an XXXX XXXX XXXX during XXXX, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to Chase in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because Chase is claiming there was no banking error they will not change the delinquency reporting. Because Chase will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if chase reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " XXXX XXXX '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest onXX/XX/XXXX-XX/XX/XXXX2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of 2020 I received a settlement from a lawsuit that I had against the company that I worked for in the state of Pennsylvania XXXX XXXX XXXX XXXX  d/b/a XXXX  XXXX  ). I received two checks from the company after winning the lawsuit. I deposited those checks into my savings account at Bank of America on XXXX, XXXXOne check was in the amount of {$5800.00} and the second check was for {$3600.00}. The check for {$3600.00} cleared, The larger check for {$5800.00} had been returned for insufficient funds, my attorney had reached out to the company so they can issue another check for me along with an additional check for {$12.00} to cover the fee that I was charged by Bank of America. The company issued me a new check for {$5800.00} and another for {$12.00} to cover the bank fee and I in turn deposited those checks into my checking account again at Bank of America on XXXX XXXX. The checks had cleared on XXXX XXXX. After the checks all cleared I transferred the XXXX from my checking account to my savings account. After transfering the money to my savings, the banks risk department put a hold on the checks which had cleared, froze and closed my accounts. I contacted the bank to find out what was going on, they told me that they were investigating the funds. I went to the my local Bank of America Branch to find out what was going on and they told me they can't give me any information because they are not allowed to speak to anyone in the risk department. I have made numerous calls to Bank of America and they keep telling me that they don't know when their investigation will be complete. Each time I have called I have offered to submit court documents that show the funds belong to me. I had also reached out to my attorney who handled the lawsuit for me, who offered to submit evidence to the bank of America that it is my money. My attorney also contacted the company that issued the checks who in turn offered to submit proof that they indeed made those payments to me. Bank of America refused any evidence from all parties, they refused to speak with or receive any evidence from myself, my lawsuit attorney, nor the company that issued me the checks stating that they have to do their own investigation and will let us know when it competes. It should also be noted that the company that issued the checks to me also banks with Bank of America. I have continued to attempt to rectify this situation with Bank of America and receive my funds which belong to me.

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for a credit card on XX/XX/XXXX. USAA pulled my credit report from XXXX on XX/XX/XXXX. 

USAA was instructed, by XXXX, to verify my identity via this statement that is on my report that was given to USAA : Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

USAA never called to verify my identity. Nor did they send me an email, message through the portal, or mail. 

I called USAA to verify my identity, as they have already pulled my credit and negatively affected my credit score and my ability to get any further financing on XX/XX/XXXX at XXXX and the call was recorded via USAA XXXX 

The rep from USAA, XXXX, told me it that USAA could not reach me via my phone number, even though it was listed on the XXXX  report, my USAA portal ( which I authorized any branch of USAA to access via the my only preferences ), and was even listed on the credit app. My phone has been working fine. USAA did not leave a voicemail or even notify me they attempted to call in any other forms of communication. 

I asked to verify the information during the same call on XX/XX/XXXX at XXXX. XXXX told me I could not and the application would not move further and there was 'no other way around it '. She also refused to remove the credit inquiry. 

I then asked to be escalated to her manager, and she denied, and said I could only talk to another department. I talked to the XXXX employee XXXX and she also gave me the same information. 

USAA refuses to accept or deny my application as of now and refuses to remove the inquiry. 

I will seek legal damages as USAA is violating my rights, causing me tremendous stress, and negatively impacting my financial future. More so, it's representatives are argumentative and untrained/uneducated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX and XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward.

I contacted PayPal support, who has been unable to resolve this issue.

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX has once again filed a false claim for the fifth time for a a debt that is not owed. This same claim has been on going for 7 years. Each time I demonstrate that it is not owed and their fraudulent invoice is exposed and returned by a collection agency, they re- file it with a new company, after the last collection agency drops it. 

It should be noted that this false claim has been dropped four other times and the behavior by XXXX has become criminal, as they have no legitimate purpose to keep filing this claim which amounts to stalking. 

I have attached the letter from the last collection company that dropped the debt. There are three more companies that dropped the debt, after review, but the last one should provide all the information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AZ

Complaint narrative:
This lady was doing my taxes of 2020 and had my whole refund and simulus sent to her account not mine Ive been in touch with the IRS The first account is mine but the second account I have no clue about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of fraud on my EDD issued BofA card. Back in XXXX. When I became aware of it I cancelled the EDD card and notified BofA. Who at that point issued me a temporary credit pending an investigation.later on I received 2 letters from BofA stating the temporary credits were now permanent. Then in XXXX my account at the bank was frozen. BofA stated it was at the request of EDD. When i contacted EDD, I was advised there was no red flags no issues with my account. And to call the bank and informed them it was all good at EDD. In tbe process of resolving this issue. I observed money was being taken out. And once again when I inquired at Bofa I was informed money was being sent Back to EDD at their request. Surprisingly enough my EDD benefits were still being deposited on my cancelled Account. Toward the later part of XXXX my card worked again out of the blue. But over {$5700.00} was missing. I was only able to withdraw the last full edd payment and part of another one. I been calling BofA for the last 3 months. Without any resolution. Every time I call them I am told I need to escalate it.then the week after. They tell me the person the helped me before did not do it properly and is the same thing all over again.

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 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
They keep calling me at all times and don't leave any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Starting XX/XX/2020, I have been attempting to refinance our existing mortgage with PHH mortgage. The company has elapsed on due dates multiple times and required myself and XXXX to provide the same information multiple times due to their negligence. Around XXXX I was advised their was jo additional action required on my end however PHH had an internal complained check that needed to be completed. We were told we would close in XXXX, again in XXXX ( twice ) and to date no settlement.

Phh tried to charge me for an updated appraisal due to their negligence. They also had additional fees applied on my pre closing statement when they advised they waived the 2nd appraisal with no explanation. I do not trust this company and I believe they are trying to scam me. My interest rate is 7percent and I believe they are doing this to not lower my rate. 

This is unethical and ridiculous. No company should be allowed to get away with such act.

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 2021-01-05 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XXXX XXXX Portfolio Recovery Assoc added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. Portfolio Recovery Assoc did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an online savings account at Chase.com. Chase opened the account, and then instructed me to fund the account with {$10000.00}. I set up the ACH on the Chase.com website. Chase sent me a letter telling me that they had denied the transfer. I was instructed to call Chase. I called Chase at the number listed in the letter. The agent was unable to tell me why they had denied the ACH transfer. I asked the agent if there was some type of fraud involved. He said he couldn't tell me. Something fishy is going on at Chase.

Company response to consumer: Closed with explanation