vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted to transfer XXXX XXXX from my Binance.US account into my personal savings account via ACH transfer. 

Per the process described in the FAQ, a verification email ( via XXXX ) was to be sent to my email address for me to confirm the transaction, after which it would be processed. If the verification email link was not clicked within 24 hours, transaction would be cancelled and funds would be released and remain in the binance.us account. 

An email was never received and this transaction has been in pending status since XX/XX/XXXX - over a month. 

I have submitted multiple support tickets and attempted to escalate my ticket with no success. I have also contacted XXXX which referred me back to Binance support. 

I have contacted my bank. Bank has no record of an incoming ACH attempt. 


I have since used the ACH transfer to transfer a small sum to this exact bank account as a test - this transaction was successful and the XXXX email was received in this instance. This shows that there is no error to the setup or bank account it was directed to. 

These funds have been held from me for almost a month causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
on XX/XX/2021 I sent a wrong crypto currency to my coinbase account. I meant to send XXXX from my XXXX XXXX  account, but instead sent XXXX XXXX  XXXX. I sent {$3700.00} worth of XXXXXXXX  ( {$3600.00} XXXX after fees. I then saw my mistake and searched for ways to recover this money. It is not a complicated process at all is what I gathered from research, the only problem is Coinbase. They refuse to help customers when a customer accidentally sends their crypto currency to their addresses. In fact, they do not respond to customer service requests period it seems. I've read lots of forums with people stating that Coinbase will simply reply to customer service requests by suggesting they look at the FAQ page of Coinbase or they just have an automated response, which will never provide answers customers are looking for. I have submitted requests to coinbase before, but they have never answered. Their website implies that Crypto Currencies sent to the wrong address can not be recovered, yet they also have a blog that states they will are working to be able to recover them eventually but they give no information as to what tokens we can expect to be recoverable, or how to request tokens a customer may want to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: United Revenue Corporation
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Hello, There is an apartment company claiming that I owe them {$590.00}. I have never stayed in this apartment complex nor would I ever stay in this apartment complex. I went to the XXXX XXXX XXXX XXXX to prove to my current apartment complex that I owe no not nor I have a stayed there. My new apartment complex confirmed with them that I have never signed a lease or anything otherwise I would not have been able to move into my new place. Every time I try to dispute it they say its real. Which is obviously incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a single XXXX XXXX XXXX XXXX woman and I have been on time with my mortgage payments for almost 5 years. My mortgage is with US Bank. I bought the home on XX/XX/XXXX and had financial debt and filed Chapter XXXX bankruptcy in XXXX. It was finalized in XX/XX/XXXX. I changed jobs in XX/XX/XXXX because my work place was toxic and accepted a XXXX  job with the XXXX of Minnesota in XX/XX/XXXX. I have struggled since that time to continue to make my mortgage payments because the job change resulted in a pretty substantial pay cut. I have reduced my living expenses to the best of my ability and even rented out a room on XXXX before Covid. I recently tried inquiring with US Bank my lender about loan modification due to financial hardship with a goal toward reducing my interest rate and monthly payment given that I am not in default and have equity of more than 20 % in my home. US Bank repeatedly said they had emailed me the application but sent me a link that led to a dead end and said I needed Adobe Reader to download the document. I have XXXX and can prove it. I called repeatedly to talk to someone and asked them to mail me the application and they said they did but they did not. My last call was on Friday XX/XX/XXXX when the woman said that she would have someone named XXXX at US Bank email me by the end of the day. I asked what the email address was so I could look for it, and decided to try to email him myself to ensure it was a good address. Not surprised that it bounced back as invalid and once again US Bank had no intentions of trying to help me. They make more money if they can foreclose and sell it to the highest bidder. But I have rights as a consumer and a homeowner and they are messing with the wrong person because I am not afraid to exercise my rights and file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX Chase Auto Finance is my car loan holder for my XXXX XXXX XXXX vehicle. I have called them several times in the last 30 days and was adivised an extension could be granted from their " redemption department '' due to the 2 states of emergencies declared by governor XXXX XXXX and fema. First was the XXXX XXXX riots and curfew last month. Second was the XXXX XXXX shutdown and hack. This has impacted my ability to get product to sell and has financially shut down any source of income for me. Twice I was read long scripts and I accepted what I thought would be an extension from the redemption department due to the above. To date though it is still showing its normal due date of XX/XX/XXXX. In the past this happened and it impacted my payment history on my credit scores. Florida has a 14 day period where late fees arent charged as we all know. However as of this moment the extension is still not processed. Please confirm and update this aforementioned extension as we are close to the deadline. Please provide details of this. Many more wasted phone calls. XXXX XXXX chase financial has ruined my credit and life with this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: SC

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I have a charge off that is no t true.I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
XXXX and transunion has continuously and falsely verified this alleged account. Both XXXX and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is refusing to accept my documentation of proof of identification I sent on XX/XX/2021. I have many communication with Equifax over pass year. Now Equifax want to send to send me a letter. After I have place a dispute requesting Proof of Bankruptcy not from a third party, because the bankruptcy courts informed me that they do not actual report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This complaint is in response to the attached letter provided by American Express in which American Express advanced a false claim that a corporate credit card debt is mine as the former signor for the company. 

I never signed any agreement either in ink or electronic signature stating or acknowledging that I am responsible for the corporate card debt. I challenge American Express to provide such proof. Such proof does not exist. 

American Express must stop this abuse in the next 15 days response required of this complaint or the complaint will be escalated by the Federal Trade Commission to investigate and concurrently letters will be submitted to XXXX XXXX XXXX and Representative XXXX XXXX with oversight over financial fraud to hold American Express accountable for consumer fraud activities by deliberately passing a business debt for personal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVN Funding falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from XXXX  XXXX XXXX. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that LVN Funding can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, LVNF Funding must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to LVN Funding. 

This act of abuse is illegal and must stop and a violation of New York XXXX and Federal Fair Debt Collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XX/XX/2021, I've sent a certified mail to Consumer Adjustment to validate my debt. I informed the company that there was a 30-day deadline to send a validation mail to the given address in the letter, but no mail was sent after the 30 days. The company stated that I did not send a letter to them. I have in my records the certified receipt of the date that it was mailed to them XXXX XX/XX/2021 ), and the date and time that Consumer Adjustment got the mail delivered XXXX XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Over the past 3 months, XX/XX/2021 through XX/XX/2021, Ive been trying to withdraw my money from the Robinhood Investment App. Currently the value is {$13000.00}. I also tried to transfer the amount to another investment company. I tried calling Robinhood, but you get a pre-recorded message and a hang up. I have money sitting with Robinhood that I can not access. Robinhood will allow me to transfer funds into my account for investment, but they are not allowing transfers out of the account. Seems transfers out have been unjustly disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2021, account ending in XXXX with Costco/CBNA was paid in full ( {$3000.00} ) via my bank account with XXXX. On XX/XX/2021, the creditor reported the XXXX balance to all 3 credit bureaus as shown in the attached report. XXXX balance is also reflected on the account statement, also attached. On XX/XX/2021, the lender reported a balance of {$3000.00} to the XXXX credit bureau. I contacted the lender on that day and was told by the representative that she needed to initiate a dispute. On XX/XX/XXXX, I received an email that more information was needed to process my request. I contact their office that day and spoke with the credit manager who told me that the representative made notes on the account that they didn't know which statement was in question. He initiated another request that the account be updated to the credit bureaus. Today, XX/XX/2021, I purchased an XXXX report from XXXX XXXX and the report shows a balance on the Costco account. Documentation is also attached. I attempted to file a dispute on XXXX online, but I was unable to. I then contacted XXXX via phone and filed the dispute manually. I have shared with all parties that I will not be jerked around concerning this situation and want it remedied immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my credit card, by phone, with CitiBank on XXXX. They have put through charges since that time and are harassing me with phone calls to pay my balance on a closed account. I have had two calls from them today, XXXX, as they refuse to stop calling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi XXXX, XXXX  and Transunion and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between Transunion and XXXX. How come it's reporting different data and different balances. See attachments. Why Transunion saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: MA

Complaint narrative:
Hi XXXX, Equifax and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and XXXX. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And Equifax removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.

Company response to consumer: Closed with explanation