vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
Since XX/XX/XXXX I try you free up XXXX funds that I mistakenly transferred into a new BINANCE US account of mine. Unfortunately, this trading account was never finalized by BINANCE US because my authentication couldn't be verified. Therefore, any crypto transfers or withdraws were restricted. 
I registered this new trading account with BINANCE US under ( XXXX, User ID : XXXX ) on XX/XX/XXXX. 
My old BINANCE US account I wasn't able to access anymore due to a security breach that occurred in XXXX. This account was registered under ( XXXX, User ID : XXXX ) In the process to free up my XXXX funds I found out that my new account XXXX couldn't be finalized because my SS # was attached to my old account. BINANCE US permitted depositing currencies into my old account but restricted any other transactions to either withdraw or trade.

Upon my request BINANCE US customer service established access for me to my old account # XXXX & updated my email ( XXXX ) to ( XXXX ). 
By mistake I transferred XXXX funds on XX/XX/XXXX into my new trading account ID # XXXX. This account should have not been active to receive funds. I notified BINANCE US customer service immediately about my mistake. I was told that the funds would be transferred from my new into my old trading account. 
But this transfer never took place! I relentlessly communicated with customer service to get this issue resolved. But nothing happened in over 6 months. BINANCE US is holding my funds hostage. They know that I can not access them unless they are transferred into my old account which I can access.

At this point I do not care which account will be active. I just need my funds to be accessible.

I can provide email correspondence with BINANCE US customer service agents and the following documents for review : 1. ) XXXX  confirmation dated XX/XX/XXXX XXXX. ) Transfer confirmation with recipient wallet address dated XX/XX/XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Portfolio balance sheet User ID : XXXX XXXX. ) Emails customer support from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Please support me in my efforts to gain access to my funds. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I have filed a complain before. Been contacting Bank Of America for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called Bank of America and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it Bank of America has put a remark that this account was charged off and due to fraudulent activity it was closed. Called Bank of America over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from Bank of America. The collections team says your balance is zero but the fraud team has to remove the report from XXXX system. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid six digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: OK

Complaint narrative:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
The male PayPal customer service representative refused closing the PayPal account with it's current {$10.00} balance. He insisted that I transfer the money to a valid bank account and claimed there was an existing Bank XXXX XXXX account PayPal had in file. This immediately raised red flags because PayPal can close the account and send the remaining balance to its prepaid card or mail a check to my address if record. The male customer service agent wasted my time and insulted my intelligence with nonsense about how he did not have any authorization to close the account or transfer any funds without a verified bank account. I called his misrepresentation of the truth and facts by stating PayPal can not insist upon verifying a bank account to transfer funds and closing an account. I also demanded to know why PayPal still linked a defunct Bank XXXX XXXX account with my transaction history. I stated that PayPal deliberately kept a closed bank account information on file and wanted me to link the PayPal account to it in order to verify the bank account existed. I stated that such PayPal activity was legally irresponsible and constituted fraudulent activity. I demanded to know what type of investigation PayPal was operating in concert with Bank XXXX XXXX and if gathering information about my transactions for a pending Bank XXXX XXXX investigation were the reason PayPal refused to close the account. Afterwards I stated to the PayPal representative my intention to exercise my legal rights to find more information with respect to PayPal refusing to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I came to the XXXX  with what we thought could be an XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my husband was frightened that it would XXXX  or that whatever was wrong was going to get worse. We/he explained that I was in XXXX XXXX  and that I needed help. The XXXX  was not buys in the slightest yet I was made to wait 6 hours before I saw a doctor therefore I wasn't able to be given any XXXX  medication to help the pain at least subside some and we/he got increasingly worried that if indeed it was an XXXX, that it would/could XXXX. We were left without any word on what was happening or how long it would be - he continued to ask but there was no help and no one could give us any answers although there were maybe 2 other patients there. I was taken to a " back '' waiting room as I was moaning and writing in pain and we thought that meant we would be seen soon but it was still another 2.5 hours before we were taken back and then another 30 minutes or so before a doctor even came to my room to then check to see what meds I could be given so in all actuality it was over 7 hours before I received ANY XXXX  medication. It turns out that it was XXXX XXXX  but if you have had them then you know they are extremely painful ( and I have had XXXX children that were not near as painful! ) Needless to say the treatment I received prior to seeing a doctor was awful and now I am being charged for waiting in their waiting room??!! I have already paid the doctor AND the XXXX company I should NOT be having to pay this ridiculous amount for care that i was not even given! # 1 I DO NOT HAVE this kind of money! and # 2 they haven't even filed it with my insurance. I want the amount reduced at the very least. TBH it should not be billed to me as they didn't do anything and those that did I have already paid. This debt is astronomical and I can in no way pay it with the cost of living being what it is now.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Allowed an unknown person to walk in and empty our checking account, then refused to answer any questions, then denied the claim for the money.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end XXXX XXXX plan as late for any purpose.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a consumer/ natural person/ living man, I am enforcing my rights. 
TRANSUNION is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give TRANSUNION written permission or consent to furnish any accounts on my consumer report.

Furthermore, TRANSUNION is in violation of 15 USC 1681e - Compliance procedures. According to this law, TRANSUNION must produce the permissible purpose, they must also certify it and send me disclosures.

And further, TRANSUNION is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report.

And further, TRANSUNION is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 3 ) & ( 4 ). They are not exercising their responsibilities with fairness, impartiality and privacy.

And further, TRANSUNION is in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. TRANSUNION is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that.

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number 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 non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Problem with Wayfair store credit card, issued by Comenity Bank. This credit card was paid off in full and the card was closed by the creditor as a direct result of them ending their business relationship with each other. I have tried for two years and countless times to get my refund of a mattress that was returned in XXXX of XXXX. The returned item and the refund was approved by Wayfair in XXXX of XXXX. After several phone calls and email correspondence with Wayfair I was told that Wayfair sent the refund check directly to Comenity Bank in the amount of {$210.00} on XX/XX/XXXX of XXXX. I was told to contact Comenity Bank directly to get them to issue a refund check to me. I called Comenity Bank once again and spoke to a supervisor. The supervisor said my account balance is XXXX dollars and they show no credit on the closed account. I have proof of the correspondence with Wayfair and I am attaching it to this complaint. Out of good faith I paid off the Comenity Bank credit card in full despite the refund still owed to me. The original Wayfair order number associated with this matter is order # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I purchased a new car from XXXX XXXX on XX/XX/2022. The purchase price was {$37000.00}. The car was financed through GM. All paperwork was signed digitally. Due to the screen being set up in landscape mode, it would only show the bottom half to a third of the document that needed to be signed as most of the required signatures were at the bottom of the page. Minimal explanation was given for what documents we were signing other than this is what was agreed upon. 
When I received copies of the documents that were later emailed to me, there were several optional items that I would not have purchased if I was aware they were included in the price, which are : - VIN etching / Express code for {$290.00} - Key fob replacement for {$190.00} - Cilajet protection for {$890.00} - Paint protection for {$290.00} XXXX expressed to the dealer that I do not recall these being discussed at all as optional purchases, and asked for them to be removed or refunded. After being passed between the finance person and the salesperson, they have not responded further. 
I find the use of digital paperwork modern and useful to a degree. However, it is very deceptive the way the business utilizes the screen to only show a portion of the page being signed. 
Thank you for reviewing. 
XXXX.

Company response to consumer: Closed with explanation