vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have noticed several unauthorized accounts on my credit report. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is in error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs ; if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following accounts are unrecognizable : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: OH

Complaint narrative:
I have noticed several unauthorized accounts on my credit report. This complaint is submitted Under OHIO LAW U.C.C XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is in error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs ; if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following accounts are unrecognizable : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XXXX  hired a company to collect fraudulent debt I never owed. They stated I didn't returned equipment I did return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
CONVERGENT OUTSOURCING is attempting to collect a debt from XXXX XXXX in the amount of {$4500.00}. This account was handled with XXXX back in 2018 when I first noticed the Debt. all appropriate fraud paperwork and investigations were handled at that time. A police report was submitted as well.. This account is no longer associated with me legally!!

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 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I deposited a {$450.00} check on XX/XX/2021 via the mobile app. I was notified of a potential hold lasting until XX/XX/2021. I called BofA to inquire and let them know this was a violation of my deposit agreement, the supervisor XXXX said she would pass the information on to her supervisor. The overall response was to call back tomorrow. OnXX/XX/2021 I was notified that the funds would not be available until XXXX XX/XX/2021.

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 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I purchased a device without a contract in 2019. The charges they are claiming was for a phone line that was never activated.

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 2021-02-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: VA

Complaint narrative:
XXXX  XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.

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 2021-02-26 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: SC

Complaint narrative:
I file an FTC Report ( # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.

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 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
I sent you an email in regards to Binance.us not closing my account when I emailed 3 times telling them my email was hacked and they completely ignored me. I didn't get a response from them until 4 days later, on the XXXX XXXX XXXX  After a few emails back and forth, Binanc.us closed my account on XX/XX/2021. That's 12 days after I informed them of identify theft. 
I I emailed you to put a formal complain towards Binance.us which has another name of BAM Trading Inc. 

My complaint was as followed toward Binance.us : 1. They dont provide consumers with fraud hotline telephone number 2. They don't have a fraud hotline email 3. They don't respond in a timely manner for sensitive issues, such as in the case account compromise 4. They neglected to protect their clients. 
5. They allowed the suspect to continue to have access to my account while they were investigating my claim. 
6. Their lack of quick response and inefficient communication led to a {$12000.00} loss on Binance.us and another {$5000.00} loss at my US bank. 
7. They advertise FDIC insured, that means my money is protected. That is the message I got that us why I signed up with them. 
8. False advertising if they claim to be FDIC insured but when theft happens they don't want to reimburse me. 


I received an update from your agency and you closed my account which doesn't make any sense. My issue was never with Coinbase. My issue was with Binance.us. 

This complaint is addressing Binance.us ( BAM Trading Inc ) XXXX had nothing to do with my complaint other than the fact I was comparing the difference in how they treat their customers. XXXX and closed my account and within in 24 hours they took care of it. They had a number and I was able to shut my accountable immediately. 

Please do not confuse the 2 platforms. 

Reopen my complaint towards Binance .us Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: SC

Complaint narrative:
I file an FTC Report XXXX # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: SC

Complaint narrative:
I entered into a settlement agreement with XXXX XXXX XXXX through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,XXXX, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with Experian. There is a one day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. XXXX XXXX XXXX is reporting a balance of XXXX balance on my credit report.

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 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: HI

Complaint narrative:
In 2017, I went through a financial hardship. I sought help from many financial institutions. I finally found a company, Freedom Debt Relief ( FDR ). I was promised that through their sister company that all my debts would be consolidated & paid off. That never happened. Anyways, I joined there program complying with their requests : I closed all my accounts & had {$690.00} withdrawn automatically from my checking every month to the present. 
After many months, all my accounts were charged off. FDR reassured me that it meant nothing. They told me my credit score would drop a little, but after six months it would start going up, again. They told me not to apply for anymore credit. Little did I know at the time how those charges offs would affect me in the future. I was never informed that I was liable for those charge offs to the Internal Revenue Service ( IRS ). 
Even though the accounts were being settled for less than owed, I was paying FDR 20 % of the full amount of each enrolled credit card & personal loans. Also, I had to pay the settled charge off amounts to the IRS. So, not only are the creditors able to write those charges off to the IRS, they still get to collect the settle amount. Win-win for the profitable creditors. 
Meanwhile, I have to struggle to work just so I could payoff all my financial obligations. I have not missed any payments in the last 48 months. Yet, I still can not even get a simple XXXX XXXX or XXXX credit card, because I have derogatory information on my credit report which has to remain on my credit report for seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I entered into a settlement agreement with JP Morgan Chase through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,11,500, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with XXXX. There is a XXXX day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. JP Morgan Chase is reporting a balance of XXXX balance on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
To Whomever It May Concern : My Name is XXXX XXXX and I've Contacted the CFPB about my Mortgage Co. ( Ocwen Mortgage ) and at one time ( Homeward ) and now ( Phh Mortgage. If I can just revisit the case # XXXX dated XXXX XXXX and get a Legal Answer to this Question even though ( Ocwen ) sent a statement that i never did understand why they ( Ocwen ) did this When we went to them for a Loan Modification and ended up with this Loan that added more to our problems than it solved. Why add {$40000.00} Balloon Pay to the end of this loan when we've paid every payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
A late fee was added when I was paying off my loan but unfortunately I wasn't informed. After leaving the bank thinking that I paid the loan off, the late fee remained and I never paid it assuming it was their error. Before I had to fix the situation, the bank placed a charge off to my credit. After complaining about it for 2 years, they are unwilling to fix it. It is now affecting my attempts of refinancing my primary home mortgage. This {$20.00} late fee is costing me tens to XXXX XXXX of dollars. I've filed a dispute with every credit union and BB & T bank.

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 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Noticed that an unauthorized transaction occurred on my bank of america checkings account on XX/XX/2021. Someone transferred {$900.00} from my account using XXXX with an email I was not familiar with. Then they attempted 2 more transfers of {$850.00} and I called my banks fraud department immediately. I tried accessing my email to see why I didnt get notifications and I saw that the hacker was actively deleting them and constantly resetting my bank account credentials. They then attempted to transfer {$1000.00} and {$870.00} to separate emails on XXXX which were cancelled by my bank. I opened a claim and 10 days later I received a secure email from BoA stating that they rejected the claim due to the activity occurring on the same device that I use normally. How is that reasonable? I've been hacked and the hackers clearly tried to clean out my bank 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 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-02-26 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: NC

Complaint narrative:
I called Equifax, & let them know that when I check my XXXX APP, my Fico score, it has negative or derogatory information when I check my Fico score, about bankruptcies and public record and collections that doesnt apply to me, is not mind, I them to remove from my credit report or file, Equifax said it is not on my file, I will try up load this information, please help me this issue, Thanks

Company response to consumer: Closed with explanation