vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My client I work for asked me to answer a call from XXXX to verify her Venmo! I trusted her and answered the call, the man had me on the phone over an hour and had me do a fake transfer to my clients venmo, meanwhile asked me to download an app that I assume give him complete access to all my apps on my cell phone! He withdrew {$1200.00} and left me with {$74.00} to my name! I knew something wasnt right the whole time but I trusted my client and assumed this was a legit call! My I opened a fraud case with my bank and they assured me theyd get my money back to me! Well they denied my claim! Id never give a stranger that kind of money or any kind of money! Im a single mom and now I cant even afford my bills! Not to mention the XXXX thats set in due to being so harshly scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have follow all the fcra codes to have this account blocked and removed, but this company disregards all the rules.witch puts them in violation of the clear provisions of FCRA 605B ( c ) .the account is XXXX XXXX XXXX  with a balance of 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 2021-04-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I received an email from Experian saying my email address had been changed and if I did not make that request to report it to XXXX. I sent several messages and none have been responded to. I attempted to call and use the website without success. When I tried to log into my account and change the password, a message said the code was sent to a XXXX address. I believe access to my account has been hacked and I can not get Experian to respond while someone has access to my credit information.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/2021 I tried to use my card to order online it wouldnt take it. Then later that night I tried to purchase food but it declined and theres money on it. Talk about embarrassing. It was working fine earlier that day. Ive never experienced that problem ever. I havent been able to speak to someone directly. Thats just weird! I have bills to pay and I cant even touch my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I applied for a ppp loan and got just over XXXX XXXX dollars. I got accepted right away and all was well. I used my debit card to spend a few thousand dollars of the funds that had been deposited via ACH and had cleared within one business day, per usual. Then i went to TCF on XX/XX/2021 to request to cash withdrawal of {$4000.00}. They randomly felt the need to call and verify to make sure the funds were mine due to the ACH referencing sole proprietor and not my name - even though I that is the type of entity I use for my business. They verified that the funds were mine but then felt the need to lock my funds for no reason, whatsoever. Ive been asked over and over to provide an EIN number, to which I keep explaining that Im a sole proprietor and that my EIN is legally my social security number but they insist that wont work when I know for a fact thats the correct way to do it. I feel like Ive been robbed and profiled against, as I am a young XXXX entrepreneur and now I am unable to use the funds that are rightly mine. My account is now negative over {$4000.00} and they wont help at all to release the hold on my funds. The branches address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Allied collection agency reported a bogus debt, which they purchased from XXXX XXXX The debt was never owed to begin with. I visited a XXXX XXXX  to get a quote for some work. I initially intended to have them perform the procedure, but after 2 visits, I realized they were very unprofessional and backed out. The work they did perform, XXXX XXXX XXXX XXXX  was covered by my insurance. After numerous harrassing phone calls and repeatedly telling them I was not interested in having the pricedure done, they began calling, trying to get me to pay, the balance i was quoted for the procedure that was never carried out. XXXX XXXX is a corporation and they regularly have failures in communication which cause appointments to be scheduled by the corporate end, then you arrive and the local office doesnt have a clue about said appointment, leading to a big waste of time. ( just to give you an idea of the type of business I'm dealing with ). Anyway, after trying to charge me for work that was not performed, and constant phone calls to myself and my girlfriend, I told them if they keep harrassing me, I would sue them. I didn't hear back, until 5 years later, when Allied reports a collections account on my credit report. The dent is bogus, I called Allied, I called XXXX XXXX, I called XXXX I disputed, but apparently the investigation is done by Allied, who I believe are just as malicious as XXXX XXXX They have not provided any documentation, and Allied keeps increasing the balance periodically, and resetting the clock and further damaging my credit report. No one will do anything about this, and now I'm being denied credit cards due to this bogus collections on my 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 explanation
Consumer complaint received 2021-04-27 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:
Dear sir, I am from XXXX and was selling XXXX branded herbal products on XXXX and receiving payments for every order from paypal same like many other competitors of my are doing still without any issue. but suddenly after having smooth business i received an email from paypal that my account is restricted and i can no longer use it and my amount of XXXX $ blocked for 180days. After having conversation with company they said you can not sell herbals but actually i was selling it on XXXX and XXXX allows to sell herbals and paypal is just playing role payment XXXX for XXXX sellers in XXXX. i asked them if it was against the policy then it should not be allowed from day 1 when i started it and after running it sucessfully and having good business more than 1.5years they blocked my paypal account and hold money for 180 days but now before 10days of completion of 180 days lockin period i received a message from paypal saying you will not get any money back due to damage caused to paypal XXXX They had scammed me of XXXX $ of my after enjoying commission fee from my business for more than 1 year. my contact id and paypal id is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: We Collect Inc
State: OR

Complaint narrative:
Atlas financial breached an agreement of contract we made in XX/XX/2017 that was to end XX/XX/2017 and they stalked me whenever I was employed and unemployed through XX/XX/XXXXreports and they came to my house to serve me with court documents with a judgment lein that was falsefied and used coercion to force me to pay {$680.00} on a {$200.00} medical debt. My jib was terminated on XX/XX/2017 and on my way home Atlas financial calling my lhone threatening judgment and warrants for garnishment if I didn't pay prior to the date the contract was over. When I went TO the court house the day after I lost my job on XX/XX/17 I found out that there was NEVER a judgment filed with the courts like I was served while getting out of my car at my house on the DAY XXXX started my XXXX in XX/XX/2017! They used foul language by phone and they weren't a debt collection company in the same state as me and refused to give me actual address. Only a PO address and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Winklevoss Exchange LLC
State: CT

Complaint narrative:
I'm just trying to close my account and withdraw my money from Gemini exchange. I've reached out to them several times to ask for help in this matter and all I've gotten is a standard auto-reply email that didn't even come close to addressing the information. They don't have a phone number to call to contact a live representative and their web based chat is bot based. 

I feel like my money is being held hostage. I just want to close my account and get my funds back. According to them, I have to set up a wire transfer first before I can do this ( Even though they had no problem taking my money from my credit union account via debit card when I first opened my account ). But now in order to pull my money out I need to establish a separate wire transfer directly to my account. Their instructions on how to do this has been no help since my credit union works differently. Again, I emailed them to provide more specific instructions and all I got was the standard reply email that had nothing to do with addressing my issue. 

Even if I receive my funds in the form a check through the mail I would be ok with this. 

Gemini exchange wreaks of a scam to me and I don't understand how they can remain open for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.

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 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a Summons to Justice court about a suit for a bad debt owed. This has caused damages to me and my family. My character has been greatly defamed because of this Summons that was placed on my door post for all to see including the mailman. Not only am I to fight in court on XX/XX/XXXX, over this FRAUD. I want this case dismissed and not have too appear in court. 
I was also contacted by a credit bureau telling me i have a negative mark on my credit. I do not owe this company and I have never done business with this company. Now I must go to court over a debt that I dont owe Plus my credit has been damaged because of FRAUD. PS if i owe this show me something with my signature on it i can guarantee you can't. This was placed on my credit I want this fixed and my credit restored.It was placed on XX/XX/XXXX. And this Court case dismissed also because of FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, 2 loan modification was done on our mortgage. We, the occupants never received monies. We have made several calls to Wells Fargo, FHA, & XXXX with no success on how they came up with the total {$72000.00}. Per Wells Fargo, FHA & XXXX they informed us there are 2 liens filed on our property. When taking the XXXX modifications we were informed that the non payment would be applied to the back of our mortgage loan not that we the occupancies would be responsible via a lien. 
Wells Fargo - XXXX-was informed to call FHA because they have no record that we own the above. 
FHA-03/09/2021 & XX/XX/XXXX was informed to callXX/XX/XXXX ( the consultant company XXXX to received the full understanding of the liens. 
XXXX was informed that they would send us an email which I will attached. 
Sending documents below : Wells Fargo XXXX & XXXX statements- will show you that they received the monies but adjusted it off. 
Wells Fargo XXXX - most recent statement Land Records - XXXX & XXXX FHA - XXXX & XXXX Letters XXXX - Letter

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a credit card with Wells Fargo to go on vacation. I was never told I would charged fees for using my new credit card outside of the country. I could have used my XXXX card instead. I tried to resolved issue with WF but they never took my complaint seriously. I have been dealing with this issue for a month already.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My husband and I both opened credit cards on the same date, to make a purchase from the same merchant on XX/XX/XXXX. The merchant is XXXX XXXX, which we now know is a subsidiary of, or at least directly connected to Barclay 's credit card. On XX/XX/XXXX we began the process of disputing the purchase and canceling the contract with XXXX XXXX. In XXXX of XXXX, my husband 's dispute was approved, his credit card statement showed a zero balance. My dispute, again for the same date, merchant and almost identical amounts, was denied. On XX/XX/XXXX, I was finally able to speak to a representative on the phone, XXXX, and was told to send a cancellation of the contract with XXXX XXXX. Canceling the contract was a very lengthy process, and in the mean time I made minimum monthly payments in good faith this would be resolved and so as not to affect my credit rating. I was very clear that this dispute was not closed. XX/XX/XXXX I obtained and sent a copy of the contract cancellation highlighting specifically " you will no longer have any further ownership rights and/or financial obligations pertaining to this contract. '' On XX/XX/XXXX I received yet another denial of this dispute, stating they " unable to obtain a credit for you from the merchant 's bank, and we must now consider this matter closed. '' I immediately responded that I do not consider this matter closed, and listed the reasons as I have below. 
There are several problems I have with this whole situation : 1 ) Why was my husband 's dispute approved and the balance erased, but mine was not? Everything was the same, exact copies of the dispute with different claim numbers and slightly different amounts, so why not both denied or both approved? The only differences were, possibly the employee who handled the disputes, and I am a woman. 
2 ) I was given an explanation and told how to continue. I did exactly as I was instructed, but it was denied again. No way to appeal was explained or given either. I was told " continue attempting to resolve the matter on your own if you are still unsatisfied with the outcome. '' That is exactly what I am doing. 
3 ) Is it a conflict of interest to arbitrate a dispute between a customer and your own bank? 
This whole situation is riddled with unfair business practices. I was told to continue to attempt to resolve this issue on my own. This is exactly what I am doing. If there are other steps that need to be taken, please send me the information. I have all email and letter correspondence, as well as notes taken from the phone conversation if required. Thank you for your consideration in this matter. 
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 monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I called a customer service representative about my four loans with Navient, and the representative could only give me partial information about them, but not all of the information that I needed to mangage my loans. About a week later another representative called me being very rude and was trying to bully me and disparage me by saying that I was refusing to pay my student loans. I told her that I was not refusing to pay my loans, but I handed our financial information to a financial advisor who was looking at the totality of our financial situation to come up with a plan to manage our overall debts. She kept repeating that instead of paying our bill, we hired an advisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: SLM CORPORATION
State: PA

Complaint narrative:
I have inquiries reported that I do not recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I became locked out of my coinbase account because of a flaw in their system that was asking me for a 2 step verification that was not activated on my end but coinbase app and website was asking for the verification number that was not active on my end so Im not sure what number coinbase is expecting. On XX/XX/2021 I filed for support and was given case # XXXX. Since then I have only received generic emails after multiple attempts at contacting them via email and there links on the website. They have no phone number to call. I have over $ XXXX amenrican dollars that I am locked out of for close to a month and have not received an email from an actual person only automated responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX submitted identity verification materials to BinanceUS and was able to fund account via transfer of crypto from another exchange. While the fiat currency identity verification was pending, I was able to begin trading using the crypto funds that had transferred in and continued to do so without issue until the week of XX/XX/XXXX when all trading capability was locked along with my ability to withdraw my USD balance. Tickets to company attempting to resolve the problem have gone unanswered. There is no way to contact them. Their XXXX page @ BinanceUS is full of similar complaints. They are stealing people 's money

Company response to consumer: Closed with explanation