vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I inisiated a transfer of .05 Bitcoin from my Coinbase vault to my Coinbase wallet. Coinbase claimed they sent validation emails to my email but never did or at least I never received them. In any case the funds in my vault are frozen saying the transaction is pending sense XX/XX/XXXX. After contacting Coinbase within a week they responded 2 months later only to close my case. Claiming they have to create a new wallet. As I sent them my verification they decided to close my case and not let me access my Bitcoin! They have not been responsive sense I opened a new case in XX/XX/XXXX. Coinbase is not allowing me to access my Bitcoin. Please help. This is fraud!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime Bank has stole over {$1000.00} from my account. This particular transaction posted at the XXXX, Texas XXXX on XX/XX/XXXX, XXXX XXXX. I have contacted XXXX and this Transaction is nowhere to be found in their system. Also, XXXX XXXX XXXX is closed at XXXX. I have contacted Chime multiple times to files a dispute. Unfortunately, they closed my case without doing any investigation. I am now stuck with a near - {$900.00} balance that my XXXX direct deposit has went toward. I am still with over a - {$200.00} balance because of this. I have an active police report filed through The XXXX Police Department, a copy of my statement, proof of an overdraft limit ( Spot Me ) of {$20.00}, receipts of previous transaction that are time-stamped and match exact times associated with said transactions found on my statement ( this proves real-time notifications ), as well as transaction ID 's and other supporting documents. I am in the process of receiving other documents from the Detective, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I consolidated my student loans in XXXX with Direct Loans through XXXX XXXX XXXX. The loan was then transferred to XXXX XXXX XXXX via XXXX in XX/XX/XXXX. XXXX fulfilled the drop in interest rate to 4.125 % after 24 consecutive months of timely payments resulting in monthly payments of {$350.00}. I qualified for an economic hardship forbearance from XX/XX/XXXX to XX/XX/XXXX, at which time XXXX raised my interest rate to 4.375 %. I paid interest payments only during that time. At the end of the forbearance, XXXX sent a bill for {$2600.00} in remaining interest, which I paid in full. I then signed up for EZ pay automatic student loan payments, which dropped my interest rate back down to 4.125 %. The loan suddenly increased by over {$5000.00} and the payments then increased to {$520.00} per month. I paid {$100.00} to principal on XX/XX/XXXX and XX/XX/XXXX, which were credited properly. I received a 1 % drop in interest rate after 36 consecutive timely payments, dropping my interest rate to 3.125 % and payments to {$450.00} per month. Sallie Mae took over my loans around XXXX and changed names to Navient in XXXX. Auto-debit was set up with Navient and payments of {$450.00} were taken from my account on the first of each month. Despite paying this loan consistently on the 1st of each month, as an automatic withdrawal, extra payments sent were applied to interest and principal both or only to interest. I recently called Navient to have them explain this to me and they told me this was happening because I had outstanding interest charges. I asked how this could possibly happen with consistent on-time payments and the rep could not explain it to me. She did say that if I paid the outstanding {$15.00} in interest, that all future extra payments would be applied to principal. I paid the {$15.00} that same day by having the rep complete a bank draft on XX/XX/XXXX. On XX/XX/XXXX, I made an extra payment sent in with a letter asking that it be applied to principal only and the payment was applied to both interest and principal despite my express request. I am not sure what is going on with Navient, but there is something that just isn't right. I have made over {$4500.00} in extra payments since XXXX and none of them have been applied to principal only. I also think there were some extra funds erroneously applied to my loan by XXXX after the forbearance. I would appreciate some help in evaluating what is happening with this loan and why I keep incurring interest fees despite consistently timely payments. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates
State: MS

Complaint narrative:
In XXXX, XXXX, I discovered XXXX XXXX XXXX XXXX were reporting an account on my XXXX credit file. I disputed the account with XXXX and sent XXXX a request for debt validation. On XX/XX/XXXX, XXXX XXXX responded with a letter and a statement. According to both the letter and the statement they provided, the balance owed on the account is {$2500.00}. To XXXX, however, they were reporting a significantly higher balance owed of {$3600.00}. In their correspondence they provided no explanation for this inaccurate reporting. Additionally, on XX/XX/XXXX, they updated the balance so it was even higher - now reporting it at {$3700.00}. 

Additionally, they are reporting the account as being opened in XX/XX/XXXX when they specifically note in their letter that the account is fromXX/XX/XXXX. They are attempting to extort more money from me by reporting falsely to the credit bureaj

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NY

Complaint narrative:
When I called the company to inquire why I don't have money on my card yet they started to explain to me that I'm a new customer and everything is put on hold for 21 days and that was it the phone hung up and I haven't been able to get a hold of them since they have me in this vicious cycle of calling and the whole thing goes through it's natural emotions as they're open and I'm calling during open hours all of a sudden at the end it says we're not open at this time. Also I'm facing eviction because I can't pay my rent I can't pay my electric or my heat I have no money for food it goes on and on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My credit card from capital 1/cabelas was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX my purse was stolen and i filed a dispute after almodt all of my unemployment was stolen at XXXX now my account has been locled at XXXX for the las 7 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a great customer of Chase bank for many years. I held a checking account, a savings account, and multiple credit cards -- all with excellent customer behavior ( no late payments, no overdrawn accounts, etc. ) I have a great credit score, and I am employed full-time for several years. I received a notice on XX/XX/2021 that my accounts are being closed by Chase and they no longer will have a relationship with me. When I called to inquire I was informed by multiple representatives as well as by their managers that they can not provide me a reason. When I asked if I can open other accounts they informed me it is a lifetime ban. However, they also recently ( within the past week ) opened a credit card for me, and could not explain why that was allowed, but that everything else isn't -- including my already existing credit cards with XXXX balances and good, responsible consumer behavior. If a company denies services to a customer who is exhibiting good, responsible consumer behavior and refuses to provide an explanation, that is discrimination. If I were to walk into a restaurant dressed appropriately, with the correct amount of money, and be told I was not being served, to never come back, and to not be told why I am being denied service, the news stations would be there. I've also reached out to the XXXX and FTC. I may not be a " big fish '', but I am a loud one, and it is bad business practices to discriminate against responsible customers and not provide just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The third round of stimulus checks was sent to me on a Money Network credit card. The amount that I received was {$7000.00}. I was limited to transferring {$6000.00} to my checking account because that was apparently the daily maximum. I have now waited two days and when I tried to transfer the final {$1000.00}, I'm told that I have reached the monthly maximum. It is now XX/XX/XXXX, so that means I have to wait until XX/XX/XXXX to get the rest of my stimulus money. I don't think that that was the intent of congress and I suspect that Money Network is pocketing a good chunk of interest on money that is due to citizens. I would hope that my final {$1000.00} comes with interest when I finally receive it.

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 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Spark Business solicited a business credit card in XX/XX/2020. They offered {$1000.00} cash bonus if {$10000.00} is spent in the first three months, {$0.00} fraud liability and unlimited 2 percent cash back on every purchase. They provided a reservation # and an access code to apply online. I applied online and my application was approved with a credit limit of {$5000.00}. I started using the card. 
Through XX/XX/2020, I charged {$2700.00}. It was paid in full on XX/XX/2020. 
Through the next billing cycle, charges were {$4400.00} which were also paid in full in a timely manner. The balance was {$0.00}. 
On XX/XX/2020, I ordered face shields for {$46.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020, vacuum cleaners for {$180.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020 trimmer for {$21.00} ( Shown on statement : XXXX, no other information such as order number or contact number was provided ) and on XX/XX/2020 cell phone cases for {$43.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ). 
As we never received the merchandize, we contacted Capital One to obtain vendor contact information, however we were never provided with the information. As such, we could not contact the vendors. Then, we contacted Capital One to place the four items in dispute. At that time, as a standard practice, they asked me for the last four digits of my Social Security number. When I gave the number, they said it did not match with the number on their files. They asked me to provide a copy of the social security card, copy of the driver license and a copy of the utility bill to prove that it was me. 
All the documents were submitted to Capital One by email. Capital One came back saying the social security number still did not match. They permanently restricted my account. They would not entertain any request those four fraudulent activities.

In the meantime, I returned one of the other items I purchased from XXXX  and the vendor credited that money, {$26.00} to Capital One card account. Capital One is also refusing to return the money. 
I charged close to {$7200.00} in just over a month and would have charged more than {$10000.00} to earn my cash bonus. 
Capital One did not let me use my account to earn that bonus ( {$1000.00} ), they did not take any action against the fraudulent activities ( {$290.00} ) and is not returning the credited amount ( {$26.00} ). 
We contacted Capital One several times to obtain the merchant information. We were never given that information from Capital One, so we could not contact the vendors. 
Copies of the original offer and of credit card statements are attached for your use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I think these guys have just been winging me around actually cancelling my gym membership. It feels like a decietful practice ; I dont understand why cancelling/renewing my XXXX account is done in seconds but trying to cancel my membership with these guys is like pulling teeth. 

When COVID-19 happened in XX/XX/XXXX, I reached out to my health club to cancel my membership. They told me I would have to go to the original gym I signed up with in XXXX. I am an essential worker, and couldnt take off, so I begged them to just cancel. They would not. I figured hopefully covid would subside ... that did not happen. When lockdown went into place, they reached out to us to let us know we wouldnt be getting charged. I reached out and again said I am cancelling my account. All the gyms were closed - how was one supposed to do this? I left phone messages saying I wanted to cancel my membership. I then found out I could cancel online. So I cancelled my membership in XXXX XXXX. 

I noticed around XX/XX/XXXX they were still charging me. I reached out to my creditcard to suspend the charges from them because I cancelled my membership months ago and this was feeling borderline predatory practice. My creditcard agreed with me, and refunded me all the charges from XX/XX/XXXX. 

Now in the mail, ABC Financial XXXX XXXX XXXX is saying I owe them {$220.00} in late fee. ABC Financial / XXXX XXXX is going after me with basically a whole year 's worth of a membership after COVID? Unbelievable! This is some " Hotel California '' trap where you sign up and they make it impossible to cancel, when they should have allowed us to cancel our memberships when COVID happened so people could focus on their bills. 

No way this is legal after COVID ; it definitely needs to be investigated for predatory practices and made simpler to manage your membership status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Saturday XX/XX/2021 I was denied access to my Safety Deposit box at the Truist / BB & T brnach located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. I was informed by Truist /BB & T representative ( XXXX XXXX XXXX ) that the branch was not staffed with officers who could open the safety deposit box. I have a safety deposit box at this branch for over 20 years. The lack of access to my SD box contents today is troubling, and has had impacts to my business. The bank needs to maintain required staffing levels and support all banking functions during posted banking hours.

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 2021-04-03 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: AZ

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX initiated a written dispute with Equifax and asked for their Method Of Validation regarding a fraudulent inquiry from XXXX XXXX XXXX XXXX that was reporting to my Equifax credit report. I've also initiated this same dispute with the Consumer Financial Protection Bureau whose job it is to protect the american consumers against deceptive and abusive acts from credit bureaus and creditors. I've sent proof of these deceptive acts by Equifax to Equifax and to the Consumer Financial Protection Bureau. 
The deceptive acts in question were the re-aging of my U.S. Postal return receipt of my package that was delivered on XX/XX/XXXX. Equifax re-aged the receipt of my dispute to XX/XX/XXXX. 
The tracking numbers on the signed green return receipt match the original sale receipt that was given to me by the U.S. Post Office on XX/XX/XXXX. The second deceptive act and violation of the Fair Debt Collections Practices Act is Equifax did not provide me in writing 15 days after receiving my dispute as to how they verified that the disputed item was indeed accurate. 
As of Today XX/XX/XXXX I just received the response from equifax stating my dispute once again was valid and accurate without providing me their Method Of Validation from 15 days of them receiving my dispute. Since the Consumer Financial Protection Bureau will not do their job protecting the consumer from Equifax and their deceptive acts, I have no choice but to escalate this into a court of law seeking damages such as Defamation, Negligent Enablement of Identity Fraud, Violation of The Fair Debt Collections Practices Act and Violations of The Fair Credit Reporting Act. 
The Consumer Financial Protection Bureau needs to do its job and ask Equifax to provide the Consumer Financial Protection Bureau with the Method of Validation Letter they were supposed to send me 15 days after my dispute was delivered. Under FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I should of received the Method Of Validation I requested under the Fair Credit Reporting Act.

Look at all my receipts which are all accurate, then take a close look at how Equifax has re-aged the stamp of my delivery receipt from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2021, I applied for a Bank of America Secured Credit Card in the amount of {$1000.00}. My {$1000.00} was to be deducted from my checking account when approved. Bank of America denied me the Secured Credit card with no good reason. Bank of America is falsely advertising by offering a secured credits card to rebuild 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 2021-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

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 2021-04-03 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. XXXX  according to XXXX XXXX reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.

Company response to consumer: Closed with explanation