vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Card was opened in my name prior to my XXXX birthday. I have continuously disputed that I opened the card and have made several attempts to provide information proving this. The collection agency keeps contacting me during my work hours. However they have not provided proof as I have. I did not authorize the opening of this credit line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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

Complaint narrative:
I made a error transferring etherium to Gemini and used the wrong network. The transaction is showing as in the waller address on my gemini account. I have attempted to e-mail gemini for help but quite a few days later I have not received a response and upon calling Gemini they will not deal with me only on E-mail which despite their website asking for 24 hours notice have not responded. 

I require my private key so i can transfer this mistaken money back out of the wallet or the bsc deposit sending back to my other wallet so i can correctly deposit the funds, Gemini 's own faq does say that they can provide private keys upon request but I am not bothered if Gemini send the etherium back the wallet it came from or provide me with my private key so i can do this transaction myself. 

The blockchain path is XXXX : XXXX MY gemini wallet showing the stuck etherium https : XXXX The wallet i sent from https : XXXX Gemini E-Mail XXXX Thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc.
State: WA

Complaint narrative:
N26 sent me an email out of the blue saying my account would be closed in 3 days and requesting financial details to transfer my balance ( currently about {$6100.00} ) to. They provided no reason for the closure. In their own terms and conditions they state it can be closed immediately ( 3 days ) for only 3 reasons. 

1 Providing incorrect statements to N26 about your financial situation, especially when you apply for a credit. I have not applied for credit. 

2 Failure to repay your loan or any debt toward N26. I do not have a loan with N26. 

3 Failure to comply with N26 's requests about your loan ( see provision or increase of security, section 13 ( 2 ) of our T & C 's ( new tab ) ). I have not requested a loan nor have I failed to comply with any requests. 

I would like N26 to review this and provide a clear explanation as to what the issue is once they see I haven't violated their terms and conditions, I'd expect to have my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
On XX/XX/21 I was notified that something negative was placed on my credit report. I checked and saw a collection for {$450.00}. I didn't know what the charge was for so I disputed the charge on XX/XX/21, requesting additional information about the charges. 

The response that I received stated that the debit was verified, no documentation to support the charges. Prior to this I never received any calls, letters, or emails pertaining to this debt. Upon investigating I found that this is a debt from 37 years ago with the Illinois Dept of Human Services. 

My complaint is that this is on my credit report for I don't know how long and I was never given the option to settle this after 37 years. Isn't there some sort of statute of limitations on debts? If there isn't I should have been given the opportunity to settle this debt, as now my credit score has dropped because Harvard Collections took it upon themselves to put this on my report without allowing me to pay it off. 

This is a small amount of money and I hate that it has affected my credit rating for the next 7 years. 

I tried calling the company on XX/XX/21 and apparently you can't get through. I'm told to approve the message that I left, but the strange thing is I didn't leave any messages and wasn't given a prompt to leave a message. The number I called was XXXX. 

I would like to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/XXXX CREDIT CARD : BELK REWARDS MASTERCARD Bank : Synchrony Bank Issue : Decreased credit line due to my mortgage balance not decreasing when it was in the COVID 19 moratorium. 

Synchrony Bank performed a credit check and decided to decrease my credit limit. They sent me a letter stating that the reason for the decrease is that my mortgage balance has not decreased over an extended period of time. I have only one mortgage account and the reason it had not decreased is that it was in a mortgage moratorium covered by the CARES ACT of XXXX. I called to discuss this with the bank and they refused to review the limit decrease. 

I believe this is a violation of the CARES ACT of XXXX since it does indirectly adversely affect my credit due to COVID 19.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I came upon information on my credit report that is negatively effecting my report. This negative information is heavily impacting my report and is stopping me from obtaining 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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
After i've filed a complaint about coinbase for compromising my account that had more than XXXX XXXX woth of money on it and ignoring me for 2 years! 
Coinbase responded to that complaint claiming that they did provid me with specific instructions in a new case ( Case # XXXX ) to regain access to my account, while in reality they are still closing all my tickets that i send to the support ... 
i'm requesting help and beggin them cause i really need those money as soon as possible, but they still just ignore my case, and taking over my account and my money that is leagaly mine by all means!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
Hello, I emailed you a week ago expressing that Binance.us refuses to answer emails. I emailed them on XX/XX/XXXX, and on XX/XX/XXXX they decided to reply to me after I told them that I had sent a complaint to both your facility as well as the attorney general of California. 

In the email I was told they have locked my account because I owe them money. Im not sure how I can owe them money if I am not allowed to trade unless the money clears. On XX/XX/XXXX my account was hacked. They did not close my account until XX/XX/XXXX. Money was transferred out of my account no lost XXXX. When I finally retrieved my account it had around {$6000.00}. I was able to transfer out of Binance.us I believe around XX/XX/XXXX. I received an email stating my account is active. 
After I made a few complaints about how they handled my compromised email, my ability to trade and transfer my crypto was disabled. However, they kept sending me emails about how my deposit limit has increased to {$10000.00}. 
They have disabled my account and refuse to release my crypto. That is theft. That is also a violation on the consumers protection act of XXXX. Binance. Us is costing me to lose money everyday it doesnt allow me to break free from their platform, and it is also causing me mental stress and harm. Binance.us doesnt hear or serve its consumers. It does whoever it wants to do. 

I want you to know that I did serve Binance.us with court papers. I am taking to small claims court. 

I am asking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called my credit card company ( XXXX XXXX XXXX  ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company XXXX XXXX. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This XXXX  XXXX  refuses to listen or remove the account regardless of how many times I dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I just received an alert on my XXXX  credit report that shows I am 30 days past due on my td credit card. My score dropped 100 points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held hostage by this one time issue in my long history of outstanding payments and usage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I have never received any service from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by BANK OF AMERICA. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is the following : Account Name : BANK OF AMERICA, N.A. 
Account : Number XXXX Account : Type Auto Loan Responsibility : individual Date Opened : XX/XX/XXXX Status : Open. 

I made double payment in XXXX. 

I was affected by Covid19, I've had some difficult times, I feared for my life. I think we can continue to have good relations, I'm just asking the company to deletion the XX/XX/XXXX late payment. 

These years have been difficult, the country 's economy has not been the best but I have tried to pay on time. 

I would be happy Bank Of America takes into consideration my request. 

I have a good payment history. 

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Funds withdrawn at B of A atms that were not me, noticed money missing. Filled claims to B of A and they are dragging their feet one department doesnt seem to know what the other is doing, and they dont contact you or give any good customer service. First {$1000.00} w/d at ATM in XXXX at XXXX XXXX branch on XX/XX/21, this is 25 miles from my house, in XXXX XXXX XXXX I live in XXXX XXXX XXXX ! Second, {$1000.00} w/d at ATM in XXXX, CA. XXXX on XXXX XX/XX/21. Third {$1000.00} w/d at B of A ATM at XXXX XXXX XXXX in XXXX, CA. XX/XX/21. This one is close to home I shop at this store, but I have never used a ATM there. Worst part is B of A not working to resolve quick enough, its their ATMs, all they need to do is check the video footage and see its not me! Their handling of this ( or lack of ) is unacceptable, borders on Criminal. Dont know how they got the California EDD account to provide these Pre paid debt cards? Like I said their customer service is very bad!

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just received an alert on my Experian credit report that shows I am 30 days past due on my td credit card. My score dropped XXXX points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held XXXX by this one time issue in my long history of outstanding payments and usage.

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me. After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it. To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. Citibank owes me for the interest/finance charges accrued since my account was closed. 

Last week, after subsequent emails and a phone call to a customer service rep who could understand my complaint, paper statements were delivered. After I added up the interest accrued from XXXX through XXXX, I wrote to say I would pay-off the balance by the due date of XX/XX/XXXX, if they would refund the interest they have been collecting since they took away my ability to follow the balance, payments and interest when they closed my online access. They have yet to respond. They do not want the account paid, they want to keep collecting interest.

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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX close my account without any reason, i received my payment from my unemployment. 
XXXX MY MONEY IS CLEAN, IS NOT FRAUD OK. 
MY AACOUNT DO NOT HAVE ANY CHARGEBACK. 

i sent all my information for verify my personal information. 

if PayPal don't want me use the service anymore is fine. 
NOW I WANT YOU TELL ME WHEN MY MONEY IS AVALIABLE FOR WITHDRAW. 

TELL ME WHEN ARE YOU GOING TO GAVE ME ACCESS TO MY MONEY. 


MY EMAIL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
DEBT RECOVERY SOLUTIONS LLC at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, has been sending me collection notices in the amount of {$330.00} {$420.00} and {$1300.00}. The collection has been reported as past due balance. I do not know this company I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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
State: IL

Complaint narrative:
PayPal close my account for no reason soon as I receive {$700.00} in my PayPal they close my account I tried to appeal and try to fix it but requested got denied i have to sue PayPal to make them get me my {$700.00} I cant wait 180 days I need to pay my credit card and other stuff so if me and PayPal cant to agreement I have to take PayPal small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I do not have any record of doing any business with this company!! I explained that to this company and they still filed a derogatory item on my credit bureau!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation