vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MD

Complaint narrative:
Ive had 2 Netspend cards. 1 for several years and the other opened in XXXX. My tax refund for XXXX was deposited in said account. So again my XXXX refund was deposited in the same account. Fraudulent charges were made on the account and card is no longer in my possession. So I file a claim. While waiting for the claim to be investigated I had called in to check the status. I was then told I was not myself, XXXX XXXX. I then lost online access to my account. I was asked to provide identification, which I immediately sent in. The following day I received an email stating my account was closed. After that date of being told my account was closed, my stimulus payment was deposited. I later received a letter stating the claim is now closed. Errors were found and any provisional credits given to me were now permanent. I then contact the IRS because I was unaware it had been sent to Netspend. They advise me that it was and that its very odd they havent received it back of the account were closed that banks are to send any deposits made to a closed account back within 7-10 days. I contact Netspend regarding the money that the claims were made about and why I havent received a check. They have told me over 3 dozen times that it is being investigated by their fraud team. But the claims already been decided in my favor? They also are investigating my stimulus deposit. But my account was closed so it should have been sent back? 
So whats happening is Netspend is not able to differentiate the two IRS deposits and are leaving me without my money. They are also illegally holding deposits made to a closed account. Ive contacted them by email and phone around 70 times and no one is ever able to assist me. They will not release my money to me. Ive contacted corporate and they have not helped either. Netspend has been sued by the FTC for the same exact tactics. 
I just want my money from my tax refund returned to me and my stimulus payment returned to the IRS so they can mail me a check. Its disgusting that a company would hold citizens money at a tile when so many have been displaced from their jobs.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I don't know if i got hacked or what, I pay off my personal loan back in XX/XX/XXXX, I never asked for another personal loan and why was i being charged XXXX? and it say personal loan on my account, i'm not sure what going on or who did this too 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 explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received an ACH deposit into my Capital One 360  checking account on XX/XX/21 in the amount of {$10000.00} from the SBA. This money was awarded to me as a grant. Im an XXXX XXXX and Im a professional XXXX XXXX. Im contracted with XXXX XXXX Of XXXX XXXX. My account has been frozen along with all of my funds for absolutely no reason. I was humiliated and treated like some sort of criminal in the local branch, when all I tried to do is make a partial withdraw. Instead I was handed a sticky note saying call this number with no explanation of what was going on. The number was to the fraud department where I was further humiliated after waiting to speak to someone after a two hour wait time. She asked several invasive questions that I answered because at this point its obvious that I had been automatically found guilty and I had to prove my innocence. She advised me if I want to help further my case along, I should send over my tax returns, 1099 and any other documents that I had as proof. I cant understand for the life of me why I would have to provide my bank with any of this when it took an entire year to even get approval for this grant and the SBA required everything with the exception of a pint of blood before being approved. She said several times this is what the government is asking us to do. So I sent over all documents immediately. Still nothing and they emailed me saying that my account was frozen and if I have any questions call this number. The number provided in the email doesnt accept incoming calls. This is unfair and Im sure in some way illegal practices. I am a U.S citizen and a hard working one at that. How is this right? Ive been out of work for over a year due to Covid and they can just freeze my account with everything in it without a explanation or cause. This is pass insane and I want justice and Capital One to be held accountable for these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 My account was switched from simple online bank to bbva compass bank. I was assured my login credentials would work but I'm unable to access my account. I was lied to several times by their call center representatives. I would be told that they can help me or I would be transferred to the correct dept only to be hung up on or sent to the main menu.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I requested redemption of cash reward points from Wells Fargo valued at {$77.00}, They have documentation that says you can only redeem earned points at {$25.00} intervals so they only sent me {$75.00}. How this passes as ethical is beyond me. If I earned the points and they have a monetary value how is it ethical that they restrict redemption to an abitrary {$25.00} amount. How much money are they saving when customers cancel their cards or die and relatives cancel the cards? Granted the amounts lost would not exceed {$24.00} yet they say it was earned by the customer by using the Wells Fargo card who assigned the value of the points. If it is earned then it is owned by the individuals that earned it. What are the odds that you will ever have an exact {$25.00} increment when redeeming points? I contacted the company and they sent me the rules and when I tried to contact the " XXXX '' man and has not returned my call. This occurred around XX/XX/2021. It's a small amount of money that's involved, however this could reap thousands of dollars for Wells Fargo 's Rewards program over time at their customers expense.

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 2021-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted 2 deposits for a total of {$600.00} to Binance US for use on their crypto currency platform. The money was immediately withdraw from my credit union. After several days the money was not deposited to my account on Binance US. I opened a ticket for support and subsequent tickets on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All requests. Have gone unanswered. Trading on platform with previous funds has also been disable without reason causing a loss in value of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
At XX/XX/2020. My dad sent my Binance.us wallet  XXXX ETHs. When sending crypto you got networks to do it my dad sent it with the wrong one. So I wasnt able to receive my coins. A week later Binance.US blocked my account withdrawals and locked 3 more ETHs to my account. They are worth XXXX $ dollars. I contacted the binance us about the situations that I was having they asked me some more documents to re open my account I provided them. The also told me that they would help me recover my coins in exchange of XXXX BTC and tolde me it would take 3 weeks to recover and refund them. Now we are in the middle of XXXX and 6 months no help at all. In this process they didnt even reply to my mails for months. Finally I was in communication with them through XXXX They asked a cypto wallet address to refund my assets to. I provided and started waiting. A month is passed again but no news they just say they escalated my ticket or they are working on all refunds. I dont think they are working on the tickets. And I think they are XXXX  me everytime I ask my coins. My lost coins are worth XXXX and I want to have them. I believe they might have stole my coins.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am became a member several years back an attempt to try this new prepaid credit debit card/bank account Bluebird American Express services. 

I never thought that simple and standard, card services would become a complete nightmare. 

If anyone is thinking about this services I would steer clear away from these services. 

I have tried over and over to get this so called company to resolve this issue and nothing was resolved. 

Then they place hold your account with your added founds for several days and you have no use of your own money. 

Also ever time you make a purchase they double the amount on that one purchase, so that it purposely lowers your amount that you added with your money. 

So finally I asked to just close my account, and send me the balance that I added. Needless to say that they shorten me {$300.00} from the balance that I added to this account. 

This financial institute, didnt even allow me to go into my account or look at my balance nothing. 

The state attorney needs to investigate this company because I really do think this company is in business into robbing people XXXX and legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or around XX/XX/XXXX I rented a car from XXXX XXXX. I was told by XXXX at XXXX that he would honor my Esurance daily rate. XXXX advised I could rent the car up to 90 days being that we werent sure how long my vehicle would be in XXXX XXXX being repaired. I was told to stay in communication with XXXX at XXXX to continue to extend the weekly vehicle rental which I did & have documentation to prove. I was also made aware that the rental charges would be due upon returning the car. Within the time frame of 21days, XXXX XXXX Car went into my business bank account and withdrew various amounts of money from my account and held the funds for several days. This was without my knowledge or consent and definitely unauthorized which caused excessive fees in the amount of {$35.00} per transaction which totaled 21 times. Wells Fargo Fraud Department reached out to me XX/XX/XXXX ( approximately ) as my bank account was in the negative and I was advised to put a Stop Payment on XXXX as this was not legal to do. I had a significant amount of funds in my account at the time however my financial responsibilities were in jeopardy because the funds werent available when my bills needed paid! XXXX would continue with this until I placed Stop Payment which I did & on XX/XX/XXXX, Wells Fargo requested documentation that I didnt have access to at the time however I repeated my concerns in regards to the account bouncing and all the fees I was assessed. On XX/XX/XXXX I was made aware that they refuse to honor my stop payment & withdrew over {$1400.00} out of my business bank account. I have struggled enough with this pandemic as it is & refuse to allow my bank to financially XXXX 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 explanation
Consumer complaint received 2021-05-13 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
I received an alert on two of my credit bureau. The alerts stated that the Creditors name is AFNI at XXXX XXXX XXXX, XXXX, IL XXXX. Showing that is have an Account Balance of {$94.00}, Payment Status : Collection/Chargeoff, XXXX XXXX XXXX : XXXX  XXXX Other, & XXXX XXXXt : Placed for collection. It only shows a partial account number on one of the alerts and shows it was added to my credit report report on XX/XX/2021 on one site and XX/XX/2021 on the other site. I dont owe {$94.00} to any company and have a good credit score currently at XXXX on XXXX and XXXX on XXXX I dont want any false information to damage them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 Wells Fargo cashed a {$420.00} check without the check being endorsed. They said the person used a mobile device to cash the check. Even Mobilly you Must show the Front and Back of the check. These Are Banking RULES and REGULATIONS which must be followed. 

Wells Fargo again thinks they are above the law. I filed with you because it states your government agencys main objective is to PROTECT customers from being XXXX by Financial ( Banking ) institutions. I will be consistent.with filing this complaint until the matter is resolved by returning my money. 

These are Banking Rules and Regulations which were grossly broken, cashing a check that was NOT ENDORSED. We all know this is ILLEGAL.

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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
Simple switch to BBVA bank and I can not access my own funds, account is locked, can not get any info from BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Greetings, I am writing to inform you of a business conducting unfair debt collecting practices. 

Agency : Account Recovery Specialists , Inc . 
Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX, XXXX XXXX charging {$230.00} + {$26.00} in interest. on the letter they have sent to the attorney. I have other amounts they have billed me charging interest as well, unfortunately I do not have those letters with me at this time - however, I can do a follow up regarding this information. 

ARS, Inc. has also contacted an attorney regarding a debt concerning my husband, XXXX XXXX and myself. I am reporting them for the below information : 1. Debt Collectors can not collect interest, fees, or other charges on top of the amount you owed, unless the original contract or your state allows it. 
a. There was no original contract as this is pertaining to a medical bill ; medical bills are not subject to interest. 
b. Kansas Debt Collection laws adopt the FTC laws that do not allow a debt collector to collect interest on a debt. 
2. Statute of limitations for ARS to sue regarding this debt in the XXXX of Kansas is 3 years. The debt is far older than 3 years and now considered Time-barred. 
For those reasons above, the agency is being reported. 
Thank you for your time in considering this matter. 

XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne 360 savings accounts, previously INGdirect seem to take an inordinate amount of time processing transfers. For example, I executed a transfer for {$11000.00} before noon on Monday XX/XX/XXXX from XXXX XXXX XXXX and those funds will not be available until XX/XX/XXXX. XXXX XXXX XXXX account has meanwhile been fully debited ). 

10-15 years ago when online banking was a novel experience a transfer and funds available window of 3/4 days seemed to make sense given the technology and risks. In 2021, CapitalOne seems to be taking advantage of an opportunity to earn free interest on consumers money while we can not access it. There are many other money transfer services that give me access to funds post transfer in a 24-48h window. CapitalOne is TWICE that. 

This is a pass through account for me so while I wait for CapitalOne to give me access to my own funds, I will not be able to move this money in time to my checking account with XXXX when my tax bill is due on Monday XX/XX/XXXX. I would assume in this current environment I should be able to execute two transfers within a week.

Company response to consumer: Closed with explanation