vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I moved over {$100.00} ( of XXXX coin ) into a Binance.US account. I was able to make an initial trade from their native token " XXXX '' to three other tokens. After doing so, my account became locked pending verification. I over the course of a few days I submitted all the necessary legal information for their verification process. It has never unlocked the money I sent in. It says I can only withdrawal from that account, but when I attempt to withdraw it says I do not meet the minimum requirement to transfer. I can not trade it back to their native XXXX coin and withdrawal that. My finances are locked and the company has never responded to any of my support requests. 

I've since come to find forums full of USA users which thousands, possibly millions of dollars locked up by Binance.us and no way of getting it out. 

This is fraud. They should at least cut me a check and let me walk away, but instead these tokens are locked up and decreasing in value while their company makes a hefty profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My problems started yesterday ( XX/XX/2021 ) I tried to open access to my personal information for the co-op where I buy an apartment. Utter disappointment awaited me, when I came across the service provided by Equifax. First of all, I couldn't open my own page, although I have all the passwords written down. When I called the support service, the agent arrogantly started asking me some questions that I don't even have to remember. Then she tried several times to send me a verification text, but the program DID NOT WORK, although I followed all the instructions step by step. Then she tried to send me a message to my email ... .. and it didn't work either. In the end, I asked for help from a manager, who also, after several attempts to help me, interrupted our conversation and turned on the social survey .... Name of the manager is XXXX ( XXXX ) I couldn't even evaluate the agency 's work because the social survey system didn't work either. Then I went to XXXX and contacted the Equifax agent there, but received nothing but apologies in response. Unfortunately, NO co-op will wait for this information forever and I may just lose the opportunity to purchase my apartment in the desired location. I highly recommend this company to take an example from two other agencies ( XXXX & XXXX ), which are both easy and pleasant to work with! XXXX XXXX, XXXX, NY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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:
In XXXX of 2021 I had a chargeback with Binance.US. that resulted in my account being locked. After several failed attempts to transfer the money to my account I attempted to contact customer support. I never received a response from customer support. Finally on XX/XX/XXXX I was able to complete a transfer from a separate payment source for the amount of the chargeback. The payment was accepted and the chargeback was processed and settled. Looking into FAQ I found the guidance from Binance.US stating that 5 days after a chargeback is settled your account would be restored to full privileges. It is XXXX now, well passed the 5 day period, and my account is still locked. I have attempted to contact customer support several times and I have not received any contact back. The last helpdesk ticket was sent on XX/XX/2021 with me reaching out again on XX/XX/2021 inquiring about an update. 

I have attached screenshots of the payment that was mailed and showing the chargeback processed. I have also attached recent screenshots showing my account is still frozen. As well as screenshots from Binance.US FAQ guidance on account restoration and the email traffic regarding my final helpdesk ticket and my inquiring for an update. 

Thank you. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: KS

Complaint narrative:
They allowed me to buy their crypto ( Bitcoin ) and wont verify my account to allow me to withdraw it, Its been days. and Im worried sick because many people online are saying it takes months or simply no verification happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
On XX/XX/2021I purchase a vehicle from a buy here pay here auto lot call Cactus Jack 's. I put down {$2000.00} and my credit isn't so great so they financed me in house. When I purchased the car and gave them my {$2000.00} I was informed by them that because I didn't have a license they couldn't Finance me for more than {$10000.00} and that they were giving me 30 days to obtain a license. Well two days after I purchase the vehicle the check engine light came on and crack started acting real funny I called down and spoke with XXXX The Man Who Sold me the car he said bring the car down and we will give you your money back or we will put you in a new car well anew car to me. Well because it was the weekend they said bring it in on Monday of course during the weekend Tollison Police Department illegally towed my vehicle 4 not having ever had a driver 's license in the United States of America according to their system as soon as I got home I produced documentation to Tolleson PD they released the vehicle to Cactus Jack 's since then Cactus Jack 's has done nothing but harass and try and the little and confuse me with task to get my vehicle I have done everything they asked and at the end of the day when everything was met they refuse to let me make my first payment and said I have to pay the entire loan off of {$12000.00} and that is the only way I can get my vehicle I've committed no crime I've done nothing wrong I have produced every amount of documentation they need it please help me they're trying to scam me and my {$2000.00} I am a single father who is fighting XX/XX/XXXX and a veteran they know these things and still refuse to help me I repeat I have broken no laws and I've done nothing but get my money is taken from me and vehicle now they won't speak with me without me having legal representation according to XXXX XXXX finance manager

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was a victim of debit/credit card fraud on XX/XX/XXXX and XXXX, 2020. In those 2 days someone ran up {$1800.00} on my account with US Bank reliacard. I contacted them and reported the unauthorized transactions on the XXXX of XXXX the day I realized it was going on. They were pos sales and they list as the followed businesses. XXXX, XXXX {$62.00}, {$470.00}, XXXX XXXX XXXX : {$200.00}, {$35.00}. XXXX  XXXX : {$13.00}. XXXX XXXX : {$210.00}. XXXX XXXXXXXX : {$100.00}. XXXX XXXX XXXX  : {$7.00}. XXXX : {$250.00} IXXXX XXXX  : {$43.00}. XXXXXXXX XXXX  : {$12.00}. XXXX : {$18.00}. XXXX : {$250.00}. XXXX : {$230.00}. My US bank reliacard unauthorized claims was denied and I was out {$1800.00} roughly and then told I'm a liar basically that I didn't get stolen from and it's very offensive honestly. Too top it off took them 10 Mos for me to get a response! I called repeatedly about my claim but was told " well move it too fast track for you sir '' Mos later still no answer.

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 2021-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MECHANICS BANK
State: CA

Complaint narrative:
Date & Time : XX/XX/2021 at XXXX Location : Mechanics Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX I arrived at XXXX PM and I was allowed into the building only to be told " we closed the vault and we can't print you any checks ''. 

I was supposed to buy a car that day and as a result of the two workers there not allowing me access to my funds I was forced to rent a room in a seedy hotel which cost me {$70.00} to wait until the morning. I am asking for compensation for my room and board due to mechanics banks neglectful business practices as well as travel expenses and any further monetary damages resulting from the employees unwillingness to print me a check. I have a rental to bring back that is located in XXXX XXXX, with this delay I can infer that the return of the rental car will be delayed and I will be charged for any extra time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm a former Simple Bank account holder who put faith in this " seamless '' transition to BBVA on the premise that all my account numbers and cards would remain intact throughout this six month process. It's now been four days since I've been locked out of both old and new accounts with my debit card rendered useless while customer service continues to hang up on customers after keeping us on hold for hours. Whenever a service rep miraculously does answer, it becomes clear that BBVA hasn't even trained them on how to resolve the issues. Rumor also has it that BBVA has a cancellation fee for anyone hoping to take their banking elsewhere, despite their promise to " waive fees '' for Simple users the first 30 days. 

I'm currently working two jobs, seven days a week, and have no way of even purchasing gas for my commute since my partner also has a frozen account due to this transition. I have $ XXXX in student debt to pay off in addition to my monthy car, insurance, family phone, and credit bills that are soon going to bounce since I'm enrolled in auto pay linked to my previous account. It took me years to establish my good credit, and missing a payment could now jeopardize that as well as further complicate my current apartment search. NOT TO MENTION I'm due for a XXXX  XXXX  and XXXX  XXXX  extraction that I'm now unable to pay for, which adds physical pain into the mix of mental hardship. 

We are still in the middle of a global pandemic and I am a XXXX man who was just pulled over during a racially tense time in America. I'm too tired to be worrying whether or not I can access what little money I've worked hard to save, nevermid the additional stress that someone could be draining my account right now, and I wouldn't even know it since I can't check on my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NY

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
My account is more 180 days, I sent all my info for get verify. 
Please I need you help me with this issue. 
Let me access to my money please. 
I see my account don't have any dispute or chargeback. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Professional Credit Management, Inc
State: MS

Complaint narrative:
I asked them to delete an unauthorized & unverified account, legally by law according the FCRA this account should be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
BBT Bank made me a {$200.00} reward offer If I opened a new checking account which I did on XX/XX/XXXX and met certain requirements including 2 direct deposits within 60 days of opening. I met all the requirements as stipulated in the offer. Under terms of the offer, the {$200.00} reward would be applied by XX/XX/XXXX. Even after several invalid excuses, they have failed to keep their promise

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 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for days but i just remembered i could file report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. 

My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a checking account with a bank. 

For 2 months they charged me {$11.00} a month for not having direct deposit enrolled with this account. 

For those two months I had a positive account balance and over {$300.00} in the account. 

The cashier was pleasant but only tried to sell me on another product and would not reverse the charges. 

I closed my account and do business elsewhere. 

During this time of mass unemployment, lets say I was XXXX and my direct deposit was terminated. I would be hit with unemployment and their fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: IL

Complaint narrative:
Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX XXXX  Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with Acceptance Now Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines Trans union XXXX XXXX and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help 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
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had numerous problems getting my funds transferred from Citibank in XXXX. I was told if i wanted to access the funds in my savings i had to open a checking account, which i did not want but did so just to be able to access my money. 

After the funds were finally transferred, I requested that all accounts be closed. One of the accounts ( checking ) was closed, the savings account was not closed, though I made multiple requests to have it closed both online and on the phone, I was told it would be closed.

I received a notification that the account was not closed, and additionally that i have been assessed multiple fees for low balances. I am now chatting with them and they tell me becuase i am an elite customer, i have to call xyz to get the account closed, and when you call that number no one answers. 

I really want the accounts closed like i asked, this is a complete scam.

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