vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I HAVE FOUR DISPUTE NAME XXXX XXXX THE Account number is XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number is XXXX

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Back on XX/XX/2021, Binance.us locked my account. I could not trade, deposit, or withdrawal ... a complete freeze. I have complied with their instructions immediately as well as submitted multiple support tickets to them. I have received no action and no responses. Today is XX/XX/2021 and they have held my funds captive for 2 months with no communication. They claimed there were chargebacks on my account at the time of freeze. I reached out immediately to rectify any issues, however, I was unable to take action nd deposit any funds since they locked my account. I do not think holding my funds captive is according to law. Please advise.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
These are not my accounts. please remove them from my credit.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MO

Complaint narrative:
I currently have a XXXX  US Bank card that I have had for a year now and have direct deposits placed on. Both from my employer and from social security. I receive benefits both for myself and for my son XXXX XXXX. Now XXXX has been receiving his benefits on my account for 3 months now. Last week on the XXXX I received a stimulus payment for XXXX. Now all of the sudden with absolutely NO warning they deactivated my account. They say that I need to provide identification information. So I did 6 times over, they received it all. Now they are still telling me I have to wait 5 business days. I absolutely can not wait another 5 business days!!! They shut the account down in minutes then they need to turn it back on. My son was born a month early and requires special formula. He absolutely can not wait 5 business days! I don't have enough formula or diapers for 5 more days.. I have no more money.. I have no other options or support to feed my children. I need my money and the money that is soon to be direct deposited as of yesterday. Not another 5 days. I can not understand how all my sons other deposits which are put in separate from mine have cleared with no issues at all and now all of the sudden with no warning I have no money and no way to care for my son.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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: Professional Credit Management, Inc
State: AR

Complaint narrative:
Hello I have disputed with both XXXX  and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. Professional Credit Management has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with XXXX. See CERTIFIED LETTER XXXX XXXX has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am being charged for a bill collected from La Curacao that was paid off. XXXX XXXX XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than XXXX. La Curacao store attempted to take advantage of people by giving them high prices and interest rates. I called XXXX XXXX to provide me with a receipt or statement that shows what i owe. They stated that they send it to La Curacoa. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

Phone number XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-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 — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for a Bank of America XXXX XXXX credit card online through there mobile application. When I submitted the application they were offering a promotion of {$200.00} if the consumer was to charge {$1000.00} within 90 days. I was excited to have the opportunity to build my credit and receive a {$200.00} cash back rewards bonus, so I spent as much and paid well over {$1000.00} in the first 90 days. I called before I spent {$1000.00}, around $ XXXX and spoke with a lady who informed me that after the amount was reached it would automatically credit my account {$200.00}. So I waited 30 days after reaching and paying off the {$1000.00} in the set time frame. I called Bank of America again, the lady said she would put in a request for me and if I didn't see it call back in a week. I called 2 weeks later and they notified me that it should be credited to either my banking account or my credit card, i told them to apply it towards my past due balance. So for close to 3 months i had a balance of {$300.00}, which i expected {$200.00} from the bank and the other {$100.00} was an XXXX return. For multiple months my credit reflected i had a past due balance of that amount so it affected my credit negatively. I was under the impression and had been re assured multiple times by representatives that I would receive the {$200.00} since I had met all requirements and im eligible. The credit card that they had issued me is exactly the same as the one on the promotion. Recently they sent a letter saying that they will not be issuing me then {$200.00} cash reward because the credit card I APPLIED for didnt offer a cash reward bonus. So I called them, they informed me that the promotion was for the Bank of America XXXX XXXX XXXX and that I have the XXXX XXXX  but no XXXX  After being told over 3 or 4 tImes not to worry and that I would receive the promotion. I feel that Bank of America misrepresented a promotion, that was falsely advertised and we're deceitful. I was encouraged to spend {$1000.00} in 3 months but after I reached that amount they had no intention of crediting me the {$200.00} even though I was promised and re assure multiple times.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hello I have disputed with both Equifax and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX  has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Equifax. See CERTIFIED LETTER .. Equifax has allowed this violation by continuing to validate and not verify this information.

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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
TOYOTA MOTOR CREDIT marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
These are not my accounts. please remove them from my credit.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
These are not my accounts. please remove them from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Called company XXXX XXXX XXXX XXXX on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after Midland Credit Management already agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after XXXX XXXX of being on hold. Company supervision needs to reach out to me as they have promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
On XXXX a fraudulent account appeared on my credit report from XXXXENHANCED RECOVERY Collections. I never had or have XXXX I have only had XXXX This is identity theft.


Attached is a police report and FTC affidavit.

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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
BARCLAYS BANK DELAWA is reporting me late XXXX and XX/XX/XXXX and XX/XX/XXXX. I was never late ... I have a great history with them. They were unable to verify my inquiry when I asked for proof. I have asked multiple times. I have proof I paid on time.

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: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a nearly 2 years of positive, paid on time credit report for Target credit card. I received bills on time and subsequently, I changed to paperless billing. 
I made a {$20.00} purchase in XX/XX/2018. I never received an emailed bill in XXXX, XXXX, XX/XX/2018. It was coincidence that I discovered a delinquency on my credit report. XXXX online showed I was being charged for the {$20.00} and late payments. 
Not once in those 3 months did I EVER receive a bill in my email re : my accounts. I immediately called about the absence of bills, was given no explanation nor apology, so I then cancelled my card. I felt this was a fraudulent practice by Target in NOT making sure bills were emailed. 
Anyone can see that years of spotless credit use and payment, that 3 month 's past due is not reasonable nor usual, especially for -- -- {$20.00} -- -- balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Called company Aldridge Pite Haan LLP on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after XXXX XXXX XXXX XXXX agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after 15 minutes of being on hold. Company supervision needs to reach out to me as they have promised.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: AR Audit Services, Inc
State: ND

Complaint narrative:
There was a credit check on me and my name came up twice different ss number 1 digit off. Name and last name swapped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: OH

Complaint narrative:
XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was applying for a home equity loan at USBank. The process was fine until the appraisal by XXXX. They did a drive by appraisal. XX/XX/2021. Took pictures outside only. My complaint is with both USBank and XXXX  appraisals. I asked when did it become common practice to do a drive by appraisal? Only durring the pandemic is this acceptable. I ask how can you get an accurate appraisal of the house from outside only. I asked about all updates done on the inside of the house and i was told that does not matter. The person escalated to his supervisor and they said because of time and cost they dont want to do anything on the inside of the house. Just get the process faster. I said that is very questionable and now i am here. I feel Usbank and XXXX have not honored the value of my house and under-appraised the value of my house. I do have all lender agreements and the appraisal report if needed.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I believe that they have failed to correctly apply my payment to principal and interest. I do not believe my interest has been calculated correctly. 

They do not accurately list how much I still owe on the original principal amount. They do not provide an accounting of how much I have paid in interest in total. 

They refused to allow me to release my co-signor when I applied, even though I met the requirements.

Company response to consumer: Closed with explanation