vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 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: OH

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 

my account is associate with the email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been trying to resolve a duplicate transaction issue with Chase Bank for 5 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my Chase Bank account ending XXXX from someone elses account at XXXX XXXX XXXX. I notified Chase of this and they reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Chase bank, thy directed me to talk to XXXX XXXX. XXXX XXXX stated that they would be able to fix the issue if Chase issued a letter of indemnity, which Chase refuses to do despite the fact that this is apparently standard practice ( XXXX XXXX informed me that Chase Bank weekly sends these letters to their ACH Operations Team ). 

Ultimately, Chase Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called Chase Bank weekly. I have called the Payments team several times and was assigned several case managers in the Complaint Escalation Group without a proper resolution. I am extremely frustrated that this entirely fixable problem has gone unfixed. Chase Banks customer service is completely unacceptable and unhelpful. 

I am extremely disappointed because I have a {$790.00} reversal and {$27.00} reversal fee charged to my Chase credit card when I have already sufficiently paid my credit card balance, and Chase Bank will not agree to work with XXXX XXXX Bank to resolve the situation. 

To resolve the problem, I would appreciate if Chase Bank would do one of two possible solutions : 1. Fax a letter of indemnification to XXXX XXXX Banks ACH Operations Team at XXXX and refund me the {$27.00} reversal fee charged to my account.

2. Reverse the original reversal charge of {$790.00} which I initiated through Chase Bank and refund me the {$27.00} reversal fee charged to my account. 

Ultimately, it does not matter to me which option is chosen, as long as Chase Bank fixes this problem they have been perpetuating for five months. Once this is resolved, I plan to close my Chase Bank credit card account and terminate my relationship permanently with Chase Bank. The unprofessionalism and incompetence that I have encountered at Chase Bank is absolutely unacceptable, and I am appalled that this issue has not yet been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts, an address, and inquiries that are listed on XXXX credit reports that do not belong to XXXX, nor do I have any knowledge of them. Please remove them in its entirety from XXXX 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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened Huntington bank checking account in XX/XX/2021 when they advertised {$150.00} opening bonus for direct depositing {$1000.00} or more to the account. I met this requirement with direct deposit of {$2000.00} on XX/XX/2021. However, I have not received the opening bonus yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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:
I was a Simple bank customer and loved it. In XXXX, it I was I formed that Simple bank would be closing and that XXXX account would be converted to a XXXX account seamlessly. Again, I want to make clear how much messaging was directed towards customers that the transition would be automatic and seamless. 

Well, the transition has been a failure at every turn. XXXX, along with thousands of other customers, can no longer access their accounts. They were tremendously underprepared for the switch. 

Whats been more disappointing is how they have handled things from a customer service perspective. They direct customers to various numbers, only to be hung up on. Whats more, you can find dozens if not hundreds of videos on XXXX showing customers getting a pre-recorded customer representative stating, sorry, cant hear you, call back! 

I want access to XXXX funds, and I want honesty from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I never opened a credit card with XXXX XXXX XXXX XXXX  This is a fraudulent credit card that was opened unauthorized due to identity theft. Unfortunately, I have been a victim of identity theft. I had my purse stolen out of my car that was broken into. I have had my identity stolen and XXXX person who did it already served jail time. I have had my personal information sold on the XXXX market. I have police reports for proof and I am working with a XXXX I told this credit card company that is ruining my credit that this was not mine and I showed them proof but they still will not set it as a closed fraud account. They even wrote me a letter saying it was fraud but now they are saying its not by putting it in my credit report. Please get this company to leave me alone and take it off of my credit report.

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 2021-05-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XX/XX/2021, I have been dealing with someone using my information. From PayPal, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.

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 2021-05-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi app shows for dispute XXXX that a conditional credit of {$1500.00} has been issued while Citi continues to investigate issue. However, it has been many weeks and the credit still has not posted on my account.

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 2021-05-09 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: CA

Complaint narrative:
There are accounts, an address, and inquiries that are listed on my credit reports that do not belong to me, nor do I have any knowledge of them. Please remove them in its entirety from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, Simple Bank closed and its users were transferred to BBVA Bank. Since then, former Simple members have not been able to access their accounts at all. Calls for customer service have been rejected or hung up on. Further instructions have been vague and fewrelayed mostly on XXXX instead of email. Its been incredibly frustrating with current and upcoming expenses, and there is no solution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: RI

Complaint narrative:
I'm a Simple customer attempting to transition to BBVA. The transition started XX/XX/2021 but I have not been able to complete it due to various errors in their system. As a result I can not see my bank balance, make deposits or withdrawals, see my transaction history, etc. My card does still work and auto payments are being deducted as expected. BBVA has made several vague tweets about the issue but has not contacted me personally ( via email/phone ) and I was not able to reach a support rep via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BankXX/XX/XXXX Card Services XXXX XXXX XXXX XXXX, MD XXXX Re Account # Ending XXXX To Whom it May Concern ; I spoke with four different Customer Service and Collections personnel onXX/XX/XXXX. I received no customer service. I was inquiring how to reopen my account now that it is current and below the credit limit. I was told that my account could not be reopened and that I would have to reapply at XXXX, with no guarantee of getting a new account. 

This means in essence, I have to keep paying on a credit card that I can not use. Having a closed status with the credit bureaus acts like a charge off with me not being able to utilize a card I am paying for. 
I hope I am not induced to file a complaint with the Credit Bureaus and Consumer Financial Protection Bureau. Can we try some customer service instead, please. 

The reason for US Bank closing my account is noted as I took my phone off your call list with a cease and desist. I explained that I religiously called customer service prior monthly re any change or updates in my ability to make my payment and available payment options. 
You can not justify this procedure with no valid customer outcome. 

Why cant it simply be reopened? 

I dont have to tell you how challenging this last year has been. 
I have 96 % rate for paying my monthly bill, and prior to the pandemic I had a perfect payment history. 

I need you to manage a way to reopen my account. I will update the cease and desist re calling. 
I look forward to our next steps in a timely manner. 
Please advise. 

Sincerely, XXXX  CC XXXX  XXXX XXXX Consumer Financial Protection Bureau

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 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I transferred funds in the amount of {$10000.00} from my XXXX account to my Coinbase account XX/XX/XXXX using my EOS wallet transfer address. It shows completed XX/XX/XXXX at XXXX via XXXX account. MY coinbase XXXX  wallet was the receiving end and I've exhausted all measures to try to contact them, and see what has happened with my funds. I have not received any confirmation from Coinbase nor at the least, a pending transaction. It's as if the money just vanished. I have checked over and over to ensure I sent to the correct wallet address and tag/memo ( no error on my end ). I understand coinbase is a very busy company, but to go this long without a response is just inexcusable. These are funds that are meant to pay for my wedding coming up XX/XX/2021, and I've tried to express that through my complaint. All I ask for is a confirmation of my funds pending or received. I'd appreciate anything you could do for me at this point. Again this money was being used for my wedding so it puts me in a desperate situation for the reasoning of this complaint. 


Respectfully, XXXX Due to the nature of security I will not post my transaction hash number but I will provide the original case number Case # XXXXand new case # XXXX I've filed to Coinbase which has that hash information provided in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
Receivables Performance reported to XXXX  unpaid collection debt of {$120.00} by XXXX. I have closed my account ant paid my balance. I have a few emails from XXXX confirming my balance is {$0.00}.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I can't close my accounts with CIT Bank ( checking or money market account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried over and over to get my credit report from Equifax. I've had no problem obtaining my report from XXXX nor XXXX. The questions " to protect my security '' are ridiculous. I don't even know the answer half the time. I understand these criminal organizations don't want to share MY OWN INFORMATION with me, and I understand the Federal Government aids and abets these criminal organizations, but for something that controls MY LIFE, I should have much more accessibility. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/2021 To whom it may concern : An account with CONVERGENT OUTSOURCING has recently appeared on my credit report without me having received a call or any notice. I've never done any business with this company for them to make an alleged claim of me owing them any money. On XX/XX/2021 I sent them a letter requesting their basis of their alleged claim by showing proof of my signature on the original contract to which if they could not provide this proof to delete from my credit reports however, they have yet to respond and at the same time are still reporting this alleged debt on my credit report to the credit reporting agencies which effecting my credit. Please assist. Thank you for your help and understanding.

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 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I attempted to sell XXXX XXXX at XXXX EST XX/XX/21 on the Gemini platform and they would not process the transaction despite numerous attempts. Now my initial investment is nearly gone despite the fact that when I initiated the trade I would have broken even/ made a profit at the market value at the time. I tried to complete this sale numerous times to no avail. I do not feel I should be held responsible for a loss incurred due to a malfunction within their platform. I have reached out to them numerous times and they have only responded that they will pass it on and I am still unable to withdraw what little capital is left on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Simple bank transferred my account to BBVA but the bank has locked me out entirely. I can not access funds, my account, or anything related to my money. This has been going on for 48 hours starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting inaccurate information about my. Credit card. The account is accurate but Capitsl One will not report it. This practice is unfair and discriminatory and must be stopped. Capital One should report to their credit reporting agencies they hire that my account is accurate. My fico score is being dropped unnecessarily and is giving other potential creditors that iam a bad risk. As a person of color this practice is disparate because it happens every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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:
I have had a Simple account for years. They switched to BBVA this weekend ( on a Saturday!! XX/XX/21 ) and it has been a disaster. I have called the numbers they tell me to call. I keep getting hung up on. I am locked out of my account. They originally didnt have any customer service hours on the weekend and added them when they realize what a problem they had. But you still cant get through and the call center is pretending not to hear you. I mean they might not actually hear me.. but I dont believe it.Errors galor. This is unacceptable. I dont even know if the username and password I picked are correct. No emails from the company explaining. I cant believe it. This should be illegal ( if it isnt! ). 
I have bills due Monday and I dont even know if I will be able to pay them becuase I dont know if my account is working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Simple Bank backed by bbva was bought by XXXX. when they aquired bbva. we were promised seamless transition. on a friday before XXXX XXXX they decided to do the transition. my girlfriend and i have been locked out of our apps for bbva due to technical issues. as have many other consumers. i tried calling and every time they would hang up on me. the same happened today, they are also going to charge us for fees that we need to opt out of which i cant even opt out of due to not being able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: HI

Complaint narrative:
Im a simple banking customer transitioning to BBVA. Ive been trying to gain access to my account, which they have locked for no reason. 
Ive been calling to gain access but they claim to not hear me and immediate stay call them back and hang up. I just want access to my account and funds but they have not done so. Theyve changed my routing number, and because of that Im unable to pay my credit card bills as I need the routing number to link my account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This is regarding the following transaction XXXX XXXX WA {$46.00} on XX/XX/2021 This is an unauthorized transaction and a dispute was initiated for this transaction with mastercard. However, neither Citibank nor Mastercard has provided any evidence that this is a valid transaction and has closed the dispute in favor of the merchant.

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 2021-05-09 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since XX/XX/2021, I have been dealing with someone using my information. From PayPal, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.

Company response to consumer: Closed with non-monetary relief