vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: Blockchain.com, Inc.

Complaint narrative:
BlockChain is going on an abusive power trip beyond belief with ALL my crypto. 
Here 's what happened : I live in XXXX - XXXX as you know is a small XXXX country - XXXX kilometers in any direction brings one in a different country. So that happens all the time. 

Despite all measure the have in place to authenticate who you are at log in ( account ID, password, 2FA, facial recognition - all of which I use by the way!!! ) they find it " suspicious '' that I check my balance outside XXXX. It seems they don't have great confidence in their own infrastructure!! 

And here 's the kicker : what does Blockchain do? They confiscate all my assets ( worth over 100,000 $ ), AND they do NOT even tell me why ( other than " suspicious behavior '' - to do with traveling ). I asked them twice, explicitly : " What do you mean - tell me exactly what you find suspicious ''. No answer. 
You're reading this right : they confiscate without telling why. Like that. That why the classification of abusive power trip is justified. 

So I'm done with them. I just want to LEAVE. They do NOT communicate, they just steal your money without ANY explanation, AND they don't follow up, reply to pertinent questions,... It's a crying shame. 
They just leave you hanging, for no reason, for as long as they wish. 
This is the OPPOSITE of a serious platform. 

And -by definition- theft. 
I have meanwhile- and for this reason- set up a XXXX account. 
Yet, also at my request to transfer my assets there : ( you guessed it ) NO REPLY WHATSOEVER. 
They sent one request : create a clean new account with them. 
Even if 1/ My old account was not dirty at all- and I have still no idea why they think it is. 
2/ I have literally ZERO desire, after all this, to stay with them. 
So instead of creating a new account, they MUST release MY assets that they are illegally holding, and transfer it to the indicated XXXX account. 

I chose to " Publish '' this info so that ( hopefully ) - many more people can read how BlockChain is " treating '' their clients. This illegal, abusive power-trip has to end. Immediately. NEVER EVER use their rewards account as that means you are handing over your assets to them and they refuse to let you check out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Greetings CFPB, My complaint is against Huntington National Bank where I had a checking account in good standing. This account was opened involuntarily as my original account was held by XXXX XXXX which closed. I had my account at XXXX for a number of years in good standing and I was not at all interested in having my account converted to Huntington. However, I had no option and for the most part the transition was smooth. I had a number of payments made from this account so I decided to move to Huntington for simplicity, what a mistake. The account was opened XX/XX/2019 and there were no problems with overdrafts etc, but last week they decided that I was a risk and notified me that my account was closed. As a carryover from XXXX a large portion of my paycheck goes into this account and now stability for my family is jeopardized. I was advised that the payment will potentially be returned to my employer making scheduled payments late. This will cause undue hardship on my family as I am the primary earner. Huntington has no definitive explanation of the risk that I pose. Quite frankly they appear risky as they have lost contracts inside of our local major retailers and the turnover rate is astronomical for employees. I am complaining that without risky behavior I have been deemed a risk and suspect that red lining may be the reason. I have researched some complaints against this bank and often there is a recurring theme and the sketchy actions usually originate with the bank itself. 
Thank you for your thorough review of my complaint and this unfounded accusation that they are making against me. I am able to provide all documentation of account activities since it was opened through merger in 2019. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I've disputed a late payment with the 3 credit bureau 's and contacted Navy Federal asking for an accommodation because of the CARES Act signed into law in XX/XX/2020. I have 1 late payment in XX/XX/2020 due to the Coronavirus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
Greetings, My lender has purposely been stalling with first false information and now things that affect my personal credit and Morgage stability. 

I needed time to get my finances in order due to covid issues so I took advantage of the covid relief program. My lender never stated it would require a loan refinancing. 

My current lender has been stalling with sending me the paperwork which unfortunately it goes through only one person. Only one person at the company seems to be capable in writing this paperwork. I have called numerous times without success of reaching someone AND getting anything done. 

I finally received the documents and had little understanding of how it should work and I began to sign before I realized it needed to be done before a notary. I have not been able to get in contact with my lender again directly for more papers as the clock is ticking away. Each time I call I must leave a voicemail or the customer service rep leaves one and I never get a call back or the message never gets sent off to resend these documents. This is beyond frustrating and negatively impacting my finances & credit stability. 

I was charged additional fees and interest that I do wish to be removed because of this aswell. 

I have provided proof of XXXX XXXX tax XXXX exemption for XXXX veterans and this company never clarified how that affects my Morgage payments or escrow directly. Its almost as if someone is tucking the extra payments away for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
On XX/XX/2022, I contacted The Best Service Company regarding an account that appeared on my credit report with a balance of {$430.00} and I requested the name and address of the original creditor. I then followed up with The Best Service Company on XX/XX/2022 as I was still unclear about this item and I requested an itemized statement breaking down the balance they claimed I owe. 

In their response to me dated XX/XX/2022, they stated that based on their review, they decided that I owe this debt and that I have no valid reason not to pay it.I was provided the name of the original creditor, an account number, and The Best Service Company concluded that my dispute is not valid based on the information that had been provided. 

Upon reviewing the same documents that were supposedly used to verify this debt, how did The Best Service Company come to the conclusion that I owe {$610.00} when the ending balance on the documentation and the balance on my credit report show different amounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATION/XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have attempted to reach out Shellpoint regarding the final payoff again on XXXX XXXX, 2022, I have received the responses on XXXX XXXX through their email notification. This is the first time I have received the Shellpont 's response. 

I have followed on XX/XX/XXXX to XXXX, however no XXXX response my calls. 

Based on their letter on XXXX XXXX, XXXX, they claimed that they sent me the final payoff on XX/XX/XXXX, XXXX XXXX and XXXX XXXX. However, based on the letters ( XX/XX/XXXX, XXXX & XXXX XXXX ), they were addressed to the prior owner 's mailing address, and my email address was incorrect XXXX. My email should be XXXX ( which they sent me the correct email on XXXX XXXX, XXXX  ). 

According to their response letters, Here are their response letter details : XX/XX/2022 Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} XXXX XXXX, XXXX  Payoff total {$120000.00} I would request Shellpoint to explain why the payoff is the difference between a few days of time, and I request and appeal the items of unreasonable fee 1 ) Fee {$2700.00} and 2 ) Funds owned by the borrower {$3200.00} immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I accepted Covid relief offer for forbearance and was told repeatedly that one of the options for settling that forbearance was to add the final amount deferred to the end of the loan. However, when I started that process in XX/XX/2021 the forbearance was extended again and they told my ex husband and I to contact them in another mth. or so to settle the forbearance and begin making mthly payments again at that time. I think what we were aiming for as we resolved the Covid was referred to as a SIMO ( simultaneous modification/review/assumption ). This process was to have taken care of theCovid forbearance being added to the end of the loan, make my payments more affordable as I am now a single income senior and enable me to preserve my only home while also having me confirmed as successor ( unfortunately due to a divorce ) all at the same time. Again, I was told repeatedly that adding the balance deferred to the end of the loan would be one of the ways offered to resolve the forbearance. As already mentioned, I am a senior and have limited income and earning potential at this point. This is my ONLY home ( as well as my daughter 's ) and it is of the utmost importance that I not be taken advantage of or lose my home due to the historically complicated times and the Wells Fargo system that could have instigated a riskto losing my home. I have spoken with 4-5 different departments on any given day at Wells Fargo often getting bumped from one to the other up to ( 4 different people in hours long telephone calls ) on many days. Please help me get this resolved so that I am not in danger of foreclosure or losing my only home in my senior years after accepting what should have helped me ( the Covid Relief ) but now seems possible to be an instigating cause threatening my loan and the of loss of my home. It has yet to be able to be resolved through the bank. I am not sure if it was the unfortunate divorce that has complicated it a bit more or what but I do feel and have repeatedlymade clear that I need someone to help me keep my home at this most critical juncture. I have pages of names, dates, etc should any of that be needed but have felt tossed carelessly about from one department to the other and still no resolution through Wells Fargo. That is why I am reaching out to you for help now.

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Id like to open a complaint on Genesis FS Card Services , Inc . 
It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
When the fraud first occurred I called I notified the bank about all the transactions they said dont worry will take care of this yeah you wont be liable for anything fast forward to today theyre reporting the account as two months past due theyve added numerous late fees and interest and it says I owe XXXX dollars Ive called them since then and I spoke with the fraud department very nice guy he said oh were sorry we must not have gotten those transactions in with the original fraud claim OK so they missed a couple I wasnt mad as long as they would fix it but the trouble is is theyre not fixing it called the third time I was told the same thing that they were going to fix it not to worry but my account is still past due I should have a XXXX balance in addition to that I have contacted them through their website the message Center when they respond they never give me any answers never I have a long history of this it seems like no matter what I asked they never have an answer I mean I could ask what color grasses and they would say were not sure you should call this person or that person theres no help at all I dont know what these people are getting paid to do because they dont help your customers and then at one point you said that someone is calling me while I travel a lot and I travel internationally a lot so Im not always able to receive voicemails or phone calls but even when I get back to the XXXX I check my voicemails there is nothing from you and Im explain to you that I dont need you to call me I dont need you to say sorry I just need you to fix it in the final straw was he sent me a letter that is extremely vague I have absolutely no idea what it means in the letter I just want these last transactions to be fixed you made a mistake not me youre fine department admitted that already

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Each month I have paid my balance in full. In XXXX of XXXX  I did not make my payment by XXXX cents because I switched the numbers. In XXXX of XXXX  I paid in full in XXXX I made two payments one in XX/XX/XXXX and one on XXXX that totaled my full balance and then some. I then got my statement and noticed a {$16.00} interest charge. They said its a rolling interest because I did not pay my balance in XXXX. So even though I have paid my balance in both XXXX and XXXX because I made two separate payments in XXXX before the due date I am charged a fee. I called and said this was a new policy that was put in place during Covid. I spoke with XXXX and he said it can not be refunded. I am disgusted that I was charged XXXX after I pay my balance in full. This is through BJs whole center commenity bank. They offered no help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Please read attached notice I received. On XXXX XXXX2020, Harris & Harris Ltd violated my consumer rights by not letting me know that I could dispute this debt. They also retrieved my location information without my consent. They also contacted me without my consent. They threatened to boot and seize the vehicle if I didnt pay the debt. Its apparent that they were unfair, deceptive and abusive. I paid the collection because I was not informed that I could dispute and I was scared that they would continue to take adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: LA

Complaint narrative:
Sentry Credit INC is in violations of the following federal laws 15 USC 1692d - Harassment or Abuse, 15 USC 1692e ( 2 ) ( A ) - False and Misleading Representatons,18 USC 1028 - Fraud and related activity in connection with identification documents ( Social Security ). Pursuant to 15 USC 1692j, ANY forms, statements or any documents sent by your office are considered DECEPTIVE forms because they are being used to create the FALSE belief that I, the consumer to whom these alleged debt claims relate, owe you any alleged debts.

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