vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
Ticket # XXXX. On XX/XX/XXXX I deposited XXXX XXXX ( Worth roughly XXXX USD currently ) from my Trust Wallet into my Binance US exchange wallet without a memo. I have contacted support and they sent my information to the finance team claiming they would have the deposit processed by the start of the week. That would've been on XX/XX/XXXX, it is currently XX/XX/XXXX and I still haven't been credited my missing deposit by the binance.us finance team. 

The previous cfpb compliant I opened you closed saying the issue was in the process of being fixed, its been over a week and it hasn't been fixed so I'm filing another compliant in the hopes you'll help a customer who has been with binance since early XXXX and has recommended it to many friends and family irl who have invested as well. 

I plan to continue using binance.us and understand you're dealing with a high volume of tickets, but this is my life savings and I need it to survive in the real world. It sucks I ruined my life with one quick mistake. I'm truly starting to lose hope I'll ever see my money again and have started contemplating suicide some days it hurts so much. 

Ticket is # XXXX and can't wait to cry tears of joy when you come through and help me. 

Side note : ( Email is XXXX. I'm truly willing to work for the support team to help as many people as I can fix their problems. I understand the anguish people are going through and want to help. ) Ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
SLS Servicing incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written SLS many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to SLS showing this as late. This has caused severe hardships and prevented me from buying a home.

I have attached the formal dispute letter which was sent to SLS.

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 2021-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX charge by XXXX XXXX of {$5000.00} for a booking XXXX charge by Chase Card for {$85.00} annual membership fee Statement of XX/XX/XXXX DUE on XXXX for {$5000.00} XXXX refunded on XX/XX/XXXX in full! Payment was due on XXXX, refund came on XXXX Chase charging {$58.00} in interest for the annual membership that was not paid yet. 

How is Chase allowed to charge an almost 100 % interest charge on their annual membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXXXXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the 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 2021-05-17 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: IL

Complaint narrative:
I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the 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 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received a credit card in the mail addressed to XXXX XXXX at my address. No one here with that name, we've lived here almost 20 years in a single family house. The card is a US Bank ReliaCard Visa debit card, needs to be activated. I called the number to report the fraud/mistake, but can't reach a service agent without entering a card number ( which I didn't want to enter in case it activates the card ) or account number, which I don't have, of course, since I didn't apply for the card.

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 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
there is no payment reminder mail email or text for my loan account at alley financial where my 7 years loan for lhe past 3 years has been a nightmare to pay when they do offer payment forgiveness for my 2013 XXXX XXXX  by the way thats the thing that i get in mail they call there forgiveness payment a extend en promise to pay the regular amount of car payment of XXXX after paying to purchase the agree of XXXX you have options to either pay after 2 or 3 mouth terms here where i run into problems with alley financial where im forced to either at end the end with no reminder before the end payment extenden due date but i'm greeted with numerous calls from there collects department calling amounts {$800.00} to {$1200.00} and some time pined charge while being on that extenden and various charge there after of XXXX after those first amounts are con fingered after speaking and getting continuous XXXX by there XXXX customer service hotline and there the nitemare begins with no reminders forced to instead of paying the {$330.00} payment that originally signed up for this particle car loan i'm force to pay {$800.00} to {$1200.00} because when i call in to make a payment the kicker is to name all thing i'm paying to my XXXX  the extend en agreements plus car payments missed plus there's been times where there been computer down on there end leaving with schemes blow by from customer stateing they didn't receive payment on or the payment didn't reach the system as far as on our end as well as XXXX and internet would be down for weeks at a time on there end may i add consumer credit keeps getting reported as such negative and 60 days 90day last due

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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MT

Complaint narrative:
I got a Walmart2walmart sent to me and for some reason it keeps saying that I can not receive it at the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Filing a claim In reference to unfair and deceptive attempt to collect an invalidated debt. 
I never received a debt validation letter informing me of such debt. 
Including the amount they say I owe, or claim that I owe. The name of the creditor seeking payment, The statement that the debt is assumed valid by the debt collector, unless you dispute it within 30 days, of the first contact ( in which I was never contacted in no form. ) Statement that if you write to dispute the debt or request more information within 30 days, the debt collectors will verify the debt by mail. 
Statement that if you request information about the original creditor, within 30 days, the debt collector must provide it. The debt collector violated my right to disclose information relevant in a validation letter XXXX XXXX ) Not giving me 30 day notice to dispute the validity of said debt, they claiming that I owe. Un authorize invalidated use of information which resulted in marks that unfairly hurt my credit, defamation of character. therefore this complaint is true to date and further action will adhere following unfair, deceptive attempts to collect a invalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been working with a debt consolidation company and paid off a negotiated settlement with XXXX XXXX and U.S Bank. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.

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 2021-05-17 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: NV

Complaint narrative:
XXXX XXXX incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written XXXX  many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to XXXX showing this as late. This has caused severe hardships and prevented me from buying a home. 

I have attached the formal dispute letter which was sent 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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: OH

Complaint narrative:
Beginning XXXX, XXXX, General Revenue Corporation began attempting to collect {$3000.00} on behalf of XXXX XXXX claiming that this was owed for the summer term of XXXX. 

I wrote them back explaining that I have never had anything to do with XXXX XXXX never taken a class or even knew of its existence and that this was likely fraud. 

General Revenue Corporation insisted they supposedly " confirmed '' their information was " accurate '' and keep asking for things like canceled checks and school withdrawal information -- from a school I never attended! This is insanely stupid. 

They persisted in requesting this even after I shared my driver 's license and a copy of the police report I filed regarding identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MiraMed Revenue Group LLC
State: GA

Complaint narrative:
I recently checked my credit report due to a hit by MIRAMED REVENUE GROUP. I have never received a validation of debt nor notification of this supposed debt. I also have never lived in SC where the hospital is located. This is a violation of FCRA & FDCPA. This needs to be removed due to failure of notifying the consumer of a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Kikoff Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted XXXX to take it down immediately because I filed an FTC report. For one month XXXX has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated. 
My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how XXXX got one and if they did how they validated something that isn't mine I am attaching an FTC report. XXXX has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My Synchrony-savings account was restricted And they havent given me a valid reason why even when i call them and tell them that i have done nothing wrong on my account. Im telling them i can verify everything on my account but they are saying the back office deals with this and even when i get a manager on the phone they tell me the back office doesnt take phone calls.

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 2021-05-17 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: TX

Complaint narrative:
On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!

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 2021-05-17 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: CA

Complaint narrative:
XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with 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 explanation