vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Neiman Marcus Credit Application was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' Source XXXX Consumer Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX Visa without issue {$1500.00} Credit Limit which is being managed appropriately ).

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AFNI INC.
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WV

Complaint narrative:
I have had nothing but issues with Binance.US. the company is aware of their inefficiencies as I have many screenshots to prove it. i initiated two separate withdrawals on XX/XX/2021. One withdrawal was done through ACH totaling up to {$78.00}. The other withdrawal was done through wire totaling {$85.00} ( {$100.00} with the {$15.00} wire transfer fee ). I never received emails to confirm these withdrawals and my money is stuck in order. I have reached out to Binance.US and I am now blocked from all forms of contact. customer support emailed me to tell me I had an outstanding balance in which I replied immediately that there is no such issue. Followed by a response apologizing for the misunderstanding and that they would look into my withdrawal issue. I have now received 3 replies that havent addressed the issue as I am explaining or they have said it will be handled. It has been over a week, the situation is not handled and they blocked me and closed my support tickets. My user id # XXXX my email associated with the account is XXXX my last support ticket # XXXX I am all out of options I did everything I could to resolve this issue and they are making no attempt to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I contacted Consumer Adjustment Co about a debt I owed to XXXX XXXX XXXX XXXX Mastercard for {$800.00}, now {$1200.00}. I spoke with Mr. XXXX on XX/XX/XXXX, XXXX, XXXX. He claimed they were waiting on the XXXX XXXX XXXX to release the debt I owed them over to them. I was not happy with the waiting, i offered XXXX for the debt, and they said no. I needed to pay XXXX. I said maybe in payments. He never got back to me. I called and spoke with XXXX XXXX. She offered me a deal of XXXX, but claimed they were still waiting on the Bank to release the information. That was on XX/XX/XXXX i spoke with her. I then started receiving calls from XXXX XXXX stating the same of just waiting on the bank of missouri. That was on XX/XX/2017, and XX/XX/XXXX i received a call from XXXX, went to voicemail. I have those voicemails. I called back and spoke with a secretary who told me that a company called XXXX associates would be handling my case now. I told him i never was in agreement with this company, and no longer felt that their practices were lawful. I called XXXX XXXX on XX/XX/XXXX and advised them not to contact me, and that i would make a report to the Attorney Generals office, and the FTC and CFPB regarding the deceptive debt collecting practice. I believe they never owned the debt and took advantage of me by calling them and offering to settle. This debt should be nullified due to i was never agreement with any 3rd parties. This company also told me that they would now collect this debt for XXXX associates and the bank of missouri anymore, and to send them the money. The companies are both the same address and phone numbers attached. I have a copy of the new letter they sent me trying to collect under another name. I waited over 55 days for this company to produce something and they never did, just another collection letter from them with a new name claiming they are the ones that are now owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NCB Management Services Inc.
State: AR

Complaint narrative:
XXXX  is reporting the account with NCB MANAGEMENT SERVICES inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for all credit agencies including XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After the dispute I sent the agencies on XX/XX/XXXX this inaccurate account was deleted from my credit report on XX/XX/XXXX. On the report of XX/XX/XXXX XXXX  reinserted this back to my credit report. I have disputed this again since then.. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XXXX of XXXX XXXX mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to XXXX 's Po Box and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from XXXX stating that I had mailed the payment to the wrong PO BOX and it provided me with the correct PO BOX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my XXXX refi to not go through because it shows two thirty day late charges. XXXX has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/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 2021-05-25 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Northern Resolution Services
State: OH

Complaint narrative:
Northern Resolution Services has called many friends, and family members of mine - they state my name and that a " case '' was received in their office and i need to contact them immediately with at reference number XXXX - the gentleman calling is XXXX XXXX. He never discloses the mini-miranda and left personal information. 

I called the company on XX/XX/XXXX - spoke with a representative and asked for proof of this " debt '' which I never received. 

When I told him about the phone calls and I wanted them to stop and they were violating FCRA guidelines he said he said " XXXX Bless '' and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/21 I received notice from Synchrony bank that my account was now closed, the only information provided was " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have had the account for years and have never been late on a payment so I do not know the reason for closure. As a result of the account closure I have lost XXXX in rewards that were available prior to the account being closed. After numerous contacts with the company they state rewards are forfeited when an account is closed. That seems fair if I were to close the account, but I was given no notice the account was being closed and therefore no opportunity to withdraw the rewards. It seems to me Synchrony can just close any account without notice to take rewards the were properly earned

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 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XXXX Received an email from AMEX advising that my credit limit had been lowered from {$5000.00} to {$1800.00} ( 64 % ). It was strange enough to received this email on a Sunday, but the following added to the strangeness : 1. They reviewed my history with AMEX and Credit report- On-time payments for 2.5 years and my credit score has improved. 
2. The number of accounts with delinquencies-4 ever late 3. Credit limits too high- I just paid AMEX {$4500.00} on XX/XX/21. My utilization went from 98 % to 62 % 4. The length of time you accounts have been established-Oldest 17.5 year and average 4.5 years. 
5. Ratio of loan balances too high- not sure. Maybe recent personal loan to work on my debt. 
6. 6 inquiries in the last 12 months 8. AMEX upgraded me to platinum last month. 
7. I immediately called and was told that I have 2 options- pay {$350.00} by XX/XX/21 and my limit would be reinstated within 30 days or submit income documents for review and my limit MAY be reinstated within 30 days. Rep asked which I preferred and advised me that I should be lucky because not everyone gets this offer. Feels like extortion since they just received almost $ XXXX I don't understand and would like to know if this process is for every AMEX customer or just XXXX  women.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I tried logging into my online account with Chime XX/XX/2021 and got a message that my account was closed. I checked my email and found an email stating my account was closed and no further information was available. I have no idea why they chose to close my account they stated that I violated their agreement. My direct deposit from work also was set up with this account. I notified my job and they are going to help issue a paper check next payday. I have approximately {$500.00} in my account. I had 2 accounts linked together with them. Savings and a credit builder account. Both had a balance but I'm am not sure the exact amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: PA

Complaint narrative:
I saw a collection debt on my credit report. I disputed it with XXXX. They " verified '' the debt. I sent a letter to the collection agency disputing the debt with the amount owed, my name, the original creditor, and a partial account number. The collection agency responded that they were " unable to identify an account in [ their ] database. '' They requested I send them additional personally identifiable information to assist me. 

I then sent their letter and the one I sent them to XXXX to dispute the debt and have it removed since the creditor can not verify the debt to me without additional information, but can somehow verify it to XXXX. I am under no obligation to provide my personally identifiable information of a collection agency that may or may not be trying to collect a valid debt in order to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: IL

Complaint narrative:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and 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 2021-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have had a Robinhood account for years. It is tied to a long defunct email address and I need to access my account. Their " customer service '' people have called me by the wrong name, referred to my account as someone else, sent me instructions for someone else 's account and generally wont respond. I provided them with the verification they requested and then they changed their minds and are now claiming they need something else. My concern is that this new verification they are demanding will be uploaded to some eles account and compromise my identity. There is no way to speak to anyone at the company other than a random email address they have been ignoring me at for two weeks now. 

I want my money and I want to move away from this terrible institution that should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: FL

Complaint narrative:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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