vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Blockchain.com, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I transferred roughly {$140.00} in XXXX ( a cryptocurrency ) to a private wallet on Blockchain.com, which advertises an 8 % interest rate for this currency. The fee for transferring these funds to Blockchain.com from XXXX was roughly 2.5 % ( $ XXXX worth of XXXX ). 

In order to earn interest on Blockchain.com, however, the user must make an additional transfer from the private wallet to an interest account. There is a fee associated with this transfer, which depends partly on the status of the Ethereum network. That is, the fee rises and falls based on how busy the network is. I understand this. 

What I do not understand -- and what I'm writing to complain about here -- is the incredibly high fees that Blockchain.com charges for making this transaction. The proposed fees for transferring this {$140.00} or so worth of XXXX to an interest account have ranged from a low of {$42.00} to a high of {$97.00} -- that is, anywhere from about 30 % to about 65 %. 

Needless to say, such fees completely defeat the purpose of transferring the funds in the first place, as it would take many years ' worth of interest at 8 % to make up for the cost of transferring the funds. 

I have contacted Blockchain.com support ( chat/email ) and tried to explain to them that something is wrong with the way they are processing these transactions. Without fail, they tell me that they are not responsible for the fees, that it's all a matter of network congestion, and that I should try again later. 

What they refuse to take into consideration -- and what I've repeatedly tried to explain to them -- is that I was able to transfer the same amount of funds ( over the same network ) from XXXX for less than XX/XX/XXXX of what Blockchain.com is trying to charge. They refuse to take this into account. 

I've explained to them that what they are doing is essentially committing fraud, having lured me into transferring funds to one of their wallets in hopes of earning 8 % interest without realizing that I'd have to forfeit roughly half the value of my funds just to make the additional transfer. 

What this means is that my funds are essentially locked, or stuck, unless I agree to pay the exorbitant network fees they are charging. 

I informed them that I would be filing complaints with the relevant government agencies if they did not address the issue, but they still did not make any attempt to help. I asked them to escalate my case to a supervisor or manager, and they simply refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/XXXX, I contacted the IRS via telephone regarding nonreceipt of my first stimulus payment. I was advised by the IRS they would have to do a tracer on the funds and would notify me. On XX/XX/XXXX, I received a letter from the IRS stating on XX/XX/XXXX an Economic Impact Payment ( EIP ) totaling {$1200.00} was deposited into an account XXXX at Navy Federal Credit Union ( NFCU ). Additionally, on XX/XX/XXXX a second EIP totaling {$600.00} was deposited into the same account. I was advised by IRS to contact NFCU referring to the above referenced account number. I made several telephone inquiries to resolve this matter with NFCU to no avail. On XX/XX/XXXX, I visited NFCU branch office in XXXX, Illinois and spoke with XXXX XXXX, Assistant Manager. XXXX XXXX verified the account number provided by the IRS belonged to another NFCU member and the EIP funds for the dates above were also verified as being deposited into this member 's account. Furthermore, XXXX XXXX stated this member 's account has been frozen however, in order to receive my EIP funds NFCU needed a " Letter of Indemnity '' from the IRS. I contacted IRS via telephone and in person on XX/XX/XXXX and both representatives have " no '' knowledge of a " Letter of Indemnity. '' I returned ( XX/XX/XXXX ) to the NFCU branch office and attempted to speak with XXXX XXXX. Since he was busy with an audit, he advised the lobby representative who waited on me to type a letter to me stating NFCU findings and in order to resolve this issue a " Letter of Indemnity '' is needed from the IRS. I have documentation from the IRS supporting my initial inquiry and the letter from NFCU acknowledging they " did not '' verify the ACH EIP payments prior to depositing them into the wrong member account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
this creditor says i owe them a debt. i do not owe them or is liable for that debt i asked for validation with our original application and haven't received it yet it is not mine this is a violation of fdcpa sec. 807

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating 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 2021-09-17 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: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
Gamache and Myers of XXXX XXXX MO garnished my paycheck, the balance of XXXX dollars was paid in full, and over paid by XXXX dollars and they sent a release to my employer to stop the garnishment. However, I have received a notice I owe them XXXX more dollars plus XXXX cents interest due to be paid XX/XX/2022 this was also sent to the court even though they have been over paid. I have contacted them with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
welcome I contacted you for the second time about Paypal. My account has been permanently closed, although I have all the documents that prove my ownership of the account and the invoices of buyers, and the money will not be sent to me because of the final closure in this account. You are the only one who can defend our rights now I only want my money to pay my suppliers. 
I was informed today by a message that my account has been partially recovered and I just need some additional information in my account but when I contact them the answer is that my account has been permanently suspended. I sent you a picture to prove it below. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I just received a debt collection letter dated XX/XX/21 from CBE Group attempting to collect a debt for XXXX XXXX for equipment in the amount of {$160.00}. I attempted to return this equipment when I ended the service and this particular equipment I still have, the rep stated they don't have this on file and wouldn't accept it. I did my part and their representative clearly " dropped the ball '' on this. I will attempt to take this back to the XXXX XXXX and get a receipt for them receiving it but any debt collections need to cease. I don't owe them nor have any reason to keep their equipment. This is not a good customer service experience at all. I was with this company for MANY years, tried to do everything in order, then receive a statement from a debt collector!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have tried repeated times for Portfolio Recovery Associates to provide me with the signed contract that I have supposedly entered into with them on something they are illegally reporting to my credit reports. To date for over 2 years they have failed to provide me with anything showing what this debt is supposedly for, the signed contract, what the charges are for, and how the total was calculated. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A {$1000.00} check, dated XX/XX/XXXX, was cashed from my account for {$3000.00} and the bank has yet to credit my account with the difference. 

Attached to this complaint is a copy of the deposited check, obtained from my bank, PNC. You can see clearly that I wrote it for {$1000.00}. On the top line you can also see that instead of the amount I authorized, {$3000.00} was actually debited from my account. 

I contacted the bank repeatedly over the past several months. Every time I call, I'm told that they're waiting on the receiving bank to get back to them, etc. One person told me that the case had been closed, but could provide no justification for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is reporting inaccurate information constantly. My credit card usage is based on 1 card even though I have 3 reported with them. The accounts that are reported are delayed. I have heard they purposely do this and it really noticeable in 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 2021-09-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Went to chase.com to attempt to dispute a charge. There is no apparent mechanism to initiate a dispute on their website when logged into my account. Their written and video instructions at the following URL are apparently obsolete and no longer applicable. When I called Chase Bank to report the problem with the website and with the transaction itself, I was put on hold for 10 minutes and then disconnected. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I've had issues with Chime a few days ago where they closed my account without reason. They won't give me a reason why. I asked them a few times why and I asked to get my money back and they told me they won't. Told me to try two of these different separate emails and both of them seems like they aren't working. No one is getting back to me. I had a XXXX dollars and I need that money for my bills. This happened about 3 days ago XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-09-17 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: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating 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 2021-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I received a request for a {$50.00} loan from my servicer Firstmark for a repayment for a new loan which I didnt take out ( roughly $ XXXX total ). It was confirmed to me by the company on XX/XX/2021. That this was a mistake on their end and that they would fix it promptly. Apparently I overpaid for a loan and instead of it showing as a negative balance its being shown as a positive one which I owe. 

Not only did they not resolve the issue but this incorrect balance is showing up as a late payment and it will negatively impact my credit score next week. They are still sending me letters to repay this loan which they confirmed I dont owe. If I dont fix this within a few days my credit score could be permanently harmed. They are not taking action to resolve it unfortunately. They also stopped responding to my emails and will only respond to calls. I need this issue fixed urgently on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flat Branch Mortgage, Inc.
State: MO

Complaint narrative:
We have a mortgage with Flat Branch Home Loans ( underwritten by Fannie Mae ). We were close to 20 % equity and wanted to see about ending the PMI charges. We called Flat Branch and they said they would have to check with Fannie Mae. Weeks went by with no response so I called again and they said, you're still a bit over 80 % so you can pay $ XXXX to get over the threshold and then you can ask to end the PMI again. 
I sent {$2200.00} which was credited to the principal on XX/XX/17. 
I called again about ending the PMI charges and was told again that they would submit it to Fannie Mae. Weeks went by again. I finally got an email from Flat Branch on XX/XX/17 saying that NOW we need to be over 22 % equity and I have to send another $ XXXX and MAYBE they will stop charging PMI. 
We have excellent credit, have never had a late or missed payment on the mortgage or anything else. There is no reason to keep changing the target and asking for more money just to end the PMI charges, which exist to mitigate risk on low-equity loans. This is both deceptive and predatory.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed multiple inaccurate accounts they are reporting to my credit report and they have failed to respond to my disputes! These accounts are false and inaccurate! 

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 2021-09-17 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: MS

Complaint narrative:
I just looked up my credit report and saw many fraudulent accounts that I wasn't aware of.

Company response to consumer: Closed with explanation