vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CFS Holdings, Inc
State: CA

Complaint narrative:
I paid the total balance of {$4000.00} to Dignifi formerly Confident Financial Solutions via electronic transfer from XXXX using the same account number but Dignifi sent another bill that they did not receive my payment charging me late fee and their customer Rep told me that they're not affiliated with Confident Financial Solutions with instructions to get my payment from Confident Financial Solutions and pay Dignifi using the same account number. Many times attempted to call Confident Financial Solutions but it transfers and brings me back to Dignifi company ... so where did my payment of {$4000.00} go then? Please help me get my money back and find out if Dignifi formerly Confident Financial Solutions still even exist. Thank you and may XXXX help and bless you and your good office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SinglePoint GI
State: AZ

Complaint narrative:
I received a letter in the mail on XX/XX/2021 from General Revenue Corporation. This was the first letter ever sent to me from this corporation. It was dated XX/XX/2021, and in the letter, it stated unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. It also stated that if I did notify the office, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
{$1000.00} was charged to my account. 

I submitted evidence and a police report & requested a merchant chargeback nothing has been done to credit me the money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
It's WhiteFlower again, on the XXXX of XX/XX/2021 I got a response concerning my complaint, I'm really frustrated with what you people are doing to me right now, paypal is working based on limited information, I've waited six months, approximately 180 days, now you say it's because I received benefit from Ohio and I live in Texas, do you know which state I've worked before coming to such conclusion, my employer has payed taxes into the system that contributes towards UI funds in the state where they operate which is ohio, so I claim my benefit in the state from where I've worked. You have no right to hold on to my money, I'm going to write to senator Ted Cruz concerning this if I don't get a reasonable response on how to get my money back, because I have all my proof and you guys are working based on limited information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TN

Complaint narrative:
Collection Account : ( Original Creditor : ) Account No. XXXX Balance : {$150.00} and {$430.00} This is a formal complaint against Equifax XXXX The name of the furnisher is not reported correctly. I have disputed this account with the credit bureaus for the 6th time or more and this has been deleted by the other credit bureaus. How is this still reported in Equifax when the other two bureaus have removed this from my credit report? 

The collector changed their company name to XXXX  ( XXXX XXXX ), which used to be XXXX  XXXX. These changes on their company 's profile have made a negative impact on my credit report because it resulted to the account being re-aged and that is not fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
Through use of the Binance.US IOS mobile app, on XX/XX/2021 at XXXX EST, I authorized a {$600.00} USD ACH purchase from my XXXX XXXX account for a purchase of XXXX XXXX token, although I was double charged for this transaction of {$600.00}. 

My XXXX bank account received two ( 2 ) ACH debits of {$600.00}, totaling {$1200.00}, whereas my Binance account was credited only one ( 1 ) {$600.00} deposit, totaling {$600.00}. 

Upon noticing the completion of two ( 2 ) ACH debits within my XXXX XXXX account and understanding there was a double-charge of {$600.00} I then requested XXXX remove XXXX transaction to correct my bank account. 

Please note - I also took immediate action to notify Binance.US prior to resolving with my XXXX XXXX. I still do have an open support ticket # XXXX, which still has yet to be addressed. 

I find it important to note that Binance.US provides no support whatsoever. They do not list any working customer service line and any email or support inquiry goes without response. Recently i've uncovered dozens of individuals whom still have outstanding support requests from months ago, and with several hundreds or thousands of dollars either improperly frozen or removed from their account. Additionally, upon reaching out to Binance.US 's XXXX account to inquire about support issues they immediately proceeded to block me for no reason. It's fair to say that I am concerned with my account being abused or hijacked by the company and then having no channel to rectify the issue. 

I kindly ask for assistance in investigating their misconduct and that Binance.US take the appropriate action in reviewing my Binance.US account 's deposit history. They will easily see that I have only received one ( 1 ) ACH deposit of {$600.00} into my Binance account, to which Binance has received one ( 1 ) {$600.00} ACH deposit from my XXXX XXXX account. There is clearly no outstanding amount due to Binance and I request that my account can proceed as normal. 

I've attached documents to refute my claims. Please advise upon receiving feedback, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
As of XX/XX/2021 a debt collection company by the name of Southwest Credit Systems, account number : XXXX, randomly appeared on my credit report claiming that I owe a balance to them in the amount of {$370.00}. I never received a letter in the mail with a notice of the debt or a chance to dispute the validity of the debt per the FCRA. I am requesting that this listing be removed from my credit report immediately for violating my consumer rights to dispute within 30 days of notice of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I paid XXXX on XX/XX/2021 for {$160.00} and turn in all my equipment on XX/XX/2021 but on my credit report with XXXX  it still say I still owe for {$280.00} to CBE group which is the collection company that XXXX  sent my account. I contact the CBE group to make them aware that account has been paid off and to remove off credit but it is still showing and also contact Spectrum to make them aware also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
XXXX XXXX given in XX/XX/2021. 
Started the process of refinancing a home. 
Person i remained in contact with was misleading.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below Equifax ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Experian ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CREDIT BUREAU FAILED TO POSITIVELY VERIFY COLLECTION ACCOUNTS 100 % ACCURACY LISTED BELOW ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
From my checking and savings account, I sent a wire transfer to a bank in XXXX ( where I live ) to pay for my rent XXXX of 2020. 

The transfer was flagged, so Wells Fargo kept the money at the branch, but even though they claimed to investigate the transaction issue and said that I should get the money within the next month, they did not return to money back to my account. 

However, in XX/XX/2020, Wells Fargo notified me that I would need to pay an additional fee and that after I paid the fee, I would have the money returned to my account. 

Despite paying the additional fee, the money I wired was never returned to my account. 

Further, now the Wells Fargo representatives ( XXXX ) informed me that unless I am physically present, they are unable to assist me in getting my money back and will take no further action. Wells Fargo representatives that have been my point of contact are aware that I live abroad and due to COVID, I can not go back to the United States as I would not be permitted to return back home to XXXX. 

It has now been over a year that Wells Fargo has kept my money, and now refuses to return it to the account. I was assured over a year ago that the amount would be returned to me, and it is appalling that it has not yet happened and that Wells Fargo is now, in email, saying that they will not assist me further unless in person. 

Wire transfer total : XXXXUSD Wire transfer fee : XXXX USD ( REIMBURSED ) Additional fee to have the money returned : XXXX USD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I deposited {$6700.00} into Coinbase between XX/XX/XXXX to XX/XX/XXXX. 

Then I went to log into my account 01-2021 and my account shows I have a {$0.00} balance. 

In my Coinbase account there is a transaction report, clearly showing I only deposited money. Nothing has been withdrawn, however coinbase just took the money. 

I have tried to contact them multiple times with no resolve. 

They did finally reply to one inquiry and they gave me instructions on how to run a report?!?!

I am getting nowhere with them, they never respond, if they do respond it doesn't even address the main issue of the ticket.

All I want is my investment back into my Coinbase account, there is clear proof that funds have never been withdrawn from my account. Only deposited into coinbase and now they have made those funds unavailable. 

I am very concerned this is a wide spread practice of theirs, affecting 1,000 's of their customers. 

I just can't believe a US based company can take people 's money like that and don't have to answer to anyone. 

Again, all I want is my money back. 

Thank you for your time with this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
TRANSUNION FAILED TO PROPERLY VERIFY 100 % ACCURACY OF COLLECTIONS. UNVERIFIED ALLEGED ACCOUNTS PLACED IN CREDIT FILE. 

ACCOUNT # XXXX XXXX  {$1000.00} COLLECTION ACCOUNT # XXXX XXXX XXXX {$130.00} COLLECTION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
EQUIFAX FAILED TO VERIFY ALLEGED COLLECTION ACCOUNTS FOR 100 % ACCURACY. THE FOLLOWING ALLEGED ACCOUNTS IS REPORTED INACCURATELY. 

ACCOUNT # XXXX COLLECTION {$1000.00} ACCOUNT # XXXX MEDICAL COLLECTION {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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

Complaint narrative:
PayPal closed my account for no reason. I never disobeyed any agreement or policy. I believe that this was because of me receiving {$1000.00} on my account, but I don't see anything wrong with the transfer especially because I personally know the sender. They asked me to submit a photo ID and explain those transactions, and as well a bank statement which was supposed to be confidential. I submitted all of these to comply in hopes of getting my account being restored but the next working day, I saw that my account has been permanently restricted and I can only withdraw my funds after 180 days. I have sent them an e-mail but to no avail, they have not replied. This is affecting me so much because I use PayPal frequently and this has been the third time that they requested for my documents. This is my only way to accept funds outside my country. My e-mail linked to my paypal is " XXXX ''. Attached herewith is the photo ID that I used to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello XXXX XXXX # XXXX I have received your request for the return of the property leased through XXXX XXXX. Thank you for getting those pictures sent in. 

The following options are available to you : Unfortunately, we do not have a pickup team in your area. 



Settlement : We can offer you a settlement of ( $ XXXX+tax ) Payment of this settlement will allow you to keep the property and ownership will be transferred to you after the amount is paid in full. A payment plan can be set up for the settlement amount if you choose to settle. If this is your choice then please call us to work out a payment plan that will suit both you and XXXX. 

We will await your response within the next 48 hours. Please get back with us either by replying to this email or calling us at XXXX Monday-Friday XXXX XXXX XXXX MT Thank You, XXXX | XXXX XXXX  : XXXX l F : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX | XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2021 XXXX AM To : XXXX Subject : The gold has splashes of silver which may be aluminum the dealer told me it was XXXX k he agreed to make it correctly and do it over it doesnt fit and its not white gold like Ive asked it has blue vvs1 diamonds he agreed to redo it Friday white gold with blue diamonds the mold was hurting cus it wasnt fit correctly so it fit the moldinind wasnt done properly so it hurt if I try to wear it I can not fit it my first time I forced it on with a towel n pushed hard with all my might and I couldnt get the grill off my teeth fit 3 days and had to get meds for my teeth nerves were hurting my gums Sent from my XXXX ref : XXXX : ref

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