vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
XXXX XXXX I received emails from Best Buy for a purchase I did not make. I contacted Best Buy on that date concerning the fraudulent purchase, and I was told to call during business hours. On XXXX XXXX I called Best Buy and spent almost 2 hours between being bounced around the call center and being hung up on. I feel that Best Buy purposefully makes it difficult to reach them to report fraud. Since I was unable to report the fraud to Best Buy, I attempted to contact Citi Bank the card issuer. I was finally able to speak with a person, but they would not take my report of fraud on this card. I requested to speak with a supervisor and was told this was not an option. At XXXX local time I specifically said that I was reporting fraud on my credit card, issued by Citi Bank thru Best Buy. At this point the call was disconnected. The resolution that I am looking for is that the credit card be frozen, no further charges be allowed, the charges be investigated ( since items continue to be purchased and mailed out of state ).

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 2021-03-27 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/2021 approx XXXX i called Capital one, because i notice Capital one was Manipulating Credit Card Payments and rearranging the transaction orders and purchase after i made on-time payments with my capital one credit card, i believe this was done intentionally to accrue over draft fees and other fees and to cause me to go over the {$200.00} credit limit. there were several instances in which i tried to make a payments and would receive pop up message that would say : " You can not schedule a payment for this account. 

Looks like you don't owe anything right now or you have pending payments that will cover everything you owe. 

Just so you know, you have to wait for pending purchases to post before you can pay them off. " I spoke with a male customer service rep for capital one and was told that i must have entered one wrong banking number of XXXX and that's why my payment didn't go through. I told him how could i entered the wrong banking number and you told me what bank i had. without me even mentioning what bank i had .... 

I expressed my concern because now it has my account in high credit and all my transactions i ; ve made with the capital one CC were declined and will cause major issues. 

the male employee from capital one requested that i give him my bank account number and routing number so he can enter it in the system himself for the amount of {$200.00} and told me if my payment method is declined again that capital one will shut down my account. 

Capital one system either has a glitch or this is a common practice used by Capital one to Manipulate Credit Card Payments with someone who is looking to reestablish and build credit and telling the card holder they've must have entered the wrong banking number to justify their fraudulent response. 

currently there are 8 returned payments in the amount of {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
The company I am filing the report against is PAYPAL. 

1 ) My friend delivered a baby in XX/XX/2020. 
2 ) I used PAYPAL to transfer money on XX/XX/2020 to my friend on this occasion. 
3 ) PAYPAL put that transaction as pending. PAYPAL withdraw the funds from my bank account and refuses to pay it to my friend until i submit the required documentation. 
4 ) Their required documentation is to upload child 's birth certificate in order to release the funds that they have already withdrawn from my bank account. 

Why would anybody upload a friends child 's birth certificate to be able to give gift funds? 

5 ) i requested them to cancel the transaction.

6 ) they continue to ignore my request and ask me to upload the child 's birth certificate in order to do anything with the funds they are keeping. 

Not sure how many such incidents have occurred and how much money PAYPAL is holding from people and making money on our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Sirs, Coinbase disabled my account on XXXX XX/XX/2021 and we are now on the XXXX XXXX. Despite 14 messages, 4 cases and 1 complaint, Coinbase did not restore my account access. I am unable to trade, transfer or retrieve my funds. Customer support has been unsupportive, absent and I'm losing sleep over this situation. Coinbase said they would fix this within 4/5 business days. Clearly Coinbase is abusing my trust and confidence after having accepted to store my funds. This situation is causing psychological and financial harm to me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my Equifax. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint mortgage servicing increased balance after I disputed incorrect balance and the refuse to correct after months of disputes. Sent me a nasty letter! All I wanted was the correct balance reported. There is report showing current but balance is more than it was in XX/XX/2019 after all payments have been made on time there is a XXXX discrepancy and XXXX  bases score on outstanding debt my score went down after they increased my balance please help trying to get my kid a house thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
I was hacked in my acct with Sofi. The phone number and email were changed. In XXXX. They then subsequently tried to remove {$60000.00} from my checking acct which I didnt have. My bank charged me {$260.00} in overdraft fees which I got removed thank to prompt action by XXXX my bank. I the after several failed calls to Sofi I finally got on the phone with them. Told them to sell all my stock and withdraw my money and close my acct. and several tries and multiple emails and calls. Sofi then withdrawal several fees and other actions left me with {$1900.00} in my acct. never got an explanation of fees or why they were taken out. After multiple attempts to withdraw my money to no success, I contacted XXXX XXXX attorney with XXXX. He drafted a letter to Sofi demanding contact and resolution. Within a ten day window. No response from Sofi. And as of today I still dont have my money and acct is still open. I also when I call they cant find my acct due to them never changing the hacked email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
Servis One, Inc. d/b/a BSI Financial Services has issued a letter to me fraudulently claiming that my mortgage was transferred from XXXX XXXX XXXX  to XXXX XXXX on XX/XX/2021. I have confirmed with XXXX XXXX XXXX  that they currently hold my mortgage ( as of XX/XX/2021 ) and the servicer is XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The loan has not been assigned to XXXX XXXX and the servicer is not BSI Financial Services. BSI Financial Services provided a contact address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and requested that all payments be remitted to this address. The letter failed to reference my loan number or the amount to remit, and only included the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I paid my account off and close the account. I did this 15 days before the due date. I found out I still owe interest rate on the account because they printed a statement after the XX/XX/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 explanation
Consumer complaint received 2021-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted my bank over 3 times about this amount, the first two times I spoke to gentleman that agreed with me that I didnt get back a certain amount of dollars back, I did the math and they refuse to see that I do not owe this amount because I never had it in the first place. I wrote out all my charges and connected it to the charges made back from the consumer and I was missing XXXX, I called XXXX they said they gave it all back which is not their fault because they showed me proof. Along the lines Capital One does not want to take responsibility for the missing money. I have wrote everything out and then its not adding up, they keep saying that they did a charge back twice which is incorrect. My balance was at XXXX before I made this purchase and it shouldve been returned back to XXXX because I return all the items and nothing is in my possession. I have proof that I returned everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I learned inXX/XX/XXXXthat PYOD, LLC had filed a delinquency against me. This company is also known as Resurgent Capital Services. I called the firm and spoke to a XXXX at XXXX. She informed me that an account had been opened in my name with XXXX XXXX XXXX, XXXX. The account was opened in XX/XX/XXXX in the state of Georgia. The amount being reported is {$1500.00}. 
It was determined in this phone call that the account was not mine and I asked XXXX how I might get this matter resolved. The spelling of the account holder is spelt differently than how I spell my name and I have never resided in Georgia. 
She informed me that she would be sending a letter to me in the mail that would give me an opportunity to dispute my claim. 
I received the letter several weeks later, datedXX/XX/XXXX. I quickly called my attorney and asked for his involvement. He and I filled out the forms, signed the forms and notarized the letters disputing the matter. 
The letter and forms were sent to PYOD, LLC and received on XX/XX/XXXX. I called the company onXX/XX/XXXXand learned the investigation from the firm has not begun and I was told that no timeframe was available. PYOD has been very slow to respond in several situations. 
I am involved with a purchase of a home. My credit is being adversely effected by over 100 points due to this false claim. The lenders are advising me to get this matter resolved as quickly as possible as the damages will be six figures due to the rate increase associated with the damaged credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Leap Credit, LLC
State: WI

Complaint narrative:
I was the victim of identity theft inXX/XX/XXXX. I've had my credit reports frozen and have fraud alerts on my report since that time. 

InXX/XX/XXXX I became aware of another stolen loan through Leap Credit. This is a {$900.00} loan the was completed via an online application. I spoke with an XXXX on XX/XX/XXXX who took the dispute information. I was instructed to send an email to XXXX to indicate identity theft. I didn't hear anything further and was assured it was going to be resolved. 

I received a collection notice from Leap Credit on XX/XX/XXXX. I immediately called and spoke with XXXX at XXXX. He noted that the ID theft complaint was noted in the account, but that the account was still active and I now needed to file a complaint. This time I was sent 2 emails from Leap Credit. The first was to review the loan agreement and confirm that the routing number and checking account information that the funds from this loan were deposited to didn't belong to me. I reviewed that information and confirmed via a response to the email at XXXX that the routing and checking account number were not mine. The second email was how to contact the credit bureaus and file a complaint and that leap credit would need the case number. 

I placed another fraud alert on my credit report and also filed and ID theft complaint. I was given case # XXXX XXXX XXXX from XXXX, a fraud specialist with XXXX  on XX/XX/XXXX at XXXX. 

I called Leap Credit back at XXXX on XX/XX/XXXX and spoke with XXXX . I provided the case number from XXXX. XXXX stated that they needed a document from XXXX, but I explained that the complaint and case number was done verbally over the phone. XXXX stated she would escalate my complaint to management and would call or email back to confirm that management would be working to resolve this as they are now stating that if payments are not made by XX/XX/XXXX they will report to the credit bureaus. I have had zero response from Leap Credit. 

I received one more notice on XX/XX/XXXX again stating that late fees will increase and reporting to the credit bureaus will occur if payment isn't made. 

I was able succesully close and dispute 3 other fraudulent loans, all through payday lenders as a result of my identity theft. I can't understand why Leap Credit is being so difficult and uncooperative and unresponsive when I have provided all of the information they have requested in trying to inform them that this loan is not mine, nor did I ever take this loan out. 

Please help me in getting Leap Credit to resolve this matter. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: MA

Complaint narrative:
On XX/XX/XXXX, I made a online transaction ( XXXX XXXX XXXX XXXX XXXX ) to purchase a XXXX toy ( through XXXX ad ). After I made the transaction, I found that the pending dollar was slightly higher than the price ( final transaction price of {$77.00} ) which got me to search online, and figure out that it is likely to be a fraud. So I called credit card company ( Citi card ), and they told me that I need to call back in a few days after the pending becomes complete transaction. So I called them again after a few days, and they told me that the dispute is going to be processed and is going to take a few weeks. 

Now I forgot about this dispute request after that, and come XX/XX/XXXX, I was reminded by it, called to contact Citi, and they told me that the dispute was not processed, and that I had to send a written dispute by regular mail. So I did, and also responded to an addition regular mail in a prompt manner. However, after a while, they denied my dispute because too much time has passed since the transaction. Upon checking correspondance history at their end, they told me that they sent an email asking whether to continue processing the dispute, which they did not hear back. I checked my email and message record, but I can not find that email anywhere. 

At this point, Citi honored me a {$20.00} courtesy payment for the trouble ( still pending ), but they did not reverse my {$77.00} loss from fraudulent website. 

All this time, I tried to contact the merchant ( only email is available, no phone ), but I got no replies. Obviously because the website/merchant is fraud.

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 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I sent XXXX via wire transfer and yet havent received my money in the coinbase pro account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
you can not go to a bank america branch where they do not make you wait at least one half hour to get to the one teller they have with a line of 10 people ... they need to provide more staff to support the customers, instead of making you wait on the phone or at the bank for more than half an hour, standing, to get to the teller their treatment of customers is criminal

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 2021-03-27 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello, I made a payment to my Home Depot credit card owned by Citi Retail Services for XXXX it turns out I made for XXXX. The next day I found they lowered my credit limit to XXXX so when I went to reserve the payment of XXXX it would have put me over limit. Come to find out Citi Retail Services had been pulling my credit report with out my permission to obtain new information about me. I would like to state for the record I did not give this authorization and they should have not accessed my credit report, even if it was a soft pull. In calling they would not help me, one person hung up on me I asked them to fix the credit limit issue then the payment they would not. They stated they will try and reverse the payment however it will just put me over limit, please keep in mind this took place over 3 days.

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 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I made a payment to XXXX at XXXX XXXX  and it said it will be available in 30 MINUTES, it is now the next day and my family still hasn't been able to get the money their in desperate need of. I called and that day and all phone lines where busy. I called the next day and an agent was rude to me getting straight to the point and rushing me and not even asking if I need anything else, at the end of the day my money has still not been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I used the website of my Citizens bank to transfer money from two of my other online bank accounts to my Citizens account. One transfer was for {$500.00} from XXXX. ( XXXX  ) to my citizens account, and the other was for {$1300.00} from my XXXXXXXX XXXX ( XXXX XXXX XXXX ) to my Citizens account. On XX/XX/XXXX Citizens has stopped both of these deposits from going into my Citizens account, and since then, the funds have not been returned. As of right now both transfers aren't in any of my accounts, and the money is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XX/XX/XXXX late payments have been on my credit report for 7 years. Capital One still have the late payment on my account. I have called and asked for the company to have the late payments removed. No resolution. 
The late payments was in XXXX, XXXX, XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hello, I started using the Gemini app to start trading cryptocurrency. After depositing funds into the account and buying a few crypto coins, they will not let me sell or withdraw my money because my account needs to be " verified ''. I don't understand how they can hold my money hostage for over a month now without any communication. Please help with this matter. 

Thank you, XXXX

Company response to consumer: Closed with explanation