vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
Beginning in about XX/XX/2020 I downloaded a cryptocurrency exchange/ wallet called Binance.US. I added my bank via ACH transfer to The BinanceXXXX XXXX, deposited money and began to trade cryptocurrency. I was able to sell the cryptocurrency then withdraw money ( USD ) back into my bank account with no problem other than them holding the funds For 10 days before releasing it to my with some lame excuse. After months of using the platform I began to trust the company and started to accumulate digital assets on a larger scale then my prior {$20.00} transactions. Over that period of time Ive accumulated a little over {$3000.00} by Making {$100.00} deposits here and there and purchasing bitcoin with the money. It was when my account had risen to the {$3000.00} mark that they stopped my trading privileges. This includes the inability to sell, convert or transfer my cryptocurrency into another wallet. Freezing my cryptocurrency purchasing and selling privileges Is a judgment on their part and they have no Obligation to let me do so, but the problem lies in that they will not let me transfer my said bitcoin into any other external wallet or cryptocurrency account. Binance U.S has also frozen my United States dollars in the same fashion, where I am unable to transfer or withdraw my money. Ive sent 22 emails over the course of four days to their customer service department. Subsequently, after my10th email I got a response from a customer service representative calling himself XXXX XXXX who assured me that he Has submitted the report to unlock my frozen privileges, and that he would be in contact when it has been finalized. This has dragged on for several days now giving them the ability to financially gain from freezing my access to my cryptocurrency or United States dollars. Over the course of this time bitcoin has risen to over {$40000.00} Which they can manipulate to profit from doing this to me and their other customers.This whole thing isnt adding up and I fear the worst. Being as though I added all my money to their account transferred through XXXX XXXX or ( XXXX ) There is a record of every dollar that they received. Ive never transferred any of the cryptocurrency I purchased to any other external account, so I have no real evidence that it ever existed at all. I would greatly appreciate the help of getting my money back from Binance U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX WAS CONTACTED XX/XX/2020 BY EMAIL IN REGARDS TO A FRAUDULENT ACCOUNT THAT POPPED UP RECENTLY ON MY CREDIT FILES. I SPOKE TO THEIR REPRESENTATIVE NAMED XXXX XXXX AND STATED THIS ACCOUNT DOES NOT BELONG TO ME. XXXX STATED THEY COULD NOT LOCATE THE ACCOUNT SO PLEASE PROVIDE MORE INFORMATION. I SUBMITTED THE INFORMATION REQUESTED AND SCREENSHOTS OF THE ACCOUNT ON MY CREDIT FILES BY EMAIL. I SUBMITTED MY FTC REPORT TO LVNV FUNDING / XXXX XXXX XX/XX/2020 IN REGARDS TO THIS FRAUDULENT ACCOUNT BUT NO CALL OR EMAIL. I AM REQUESTING THIS TO BE REMOVED FROM MY CREDIT FILES AS IT IS AFFECTING ME AND MY FAMILIES LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
On XX/XX/2019 ( 1 yrs, 5 mos ago ) I received a derogatory remark on my credit report from XXXX XXXX XXXX a debt of {$91.00}, and is now in collections with Allied business services. XXXX XXXX had put me on a payment plan of {$18.00} which I never agreed to especially when I have insurance to cover all copays and medical bills they were charging me late fees for not paying the payment plan and without any notice, I was missing payments and ended up finding out about debt when my mom received the bill. We went online and paid the bill completely and canceled the payment plan for the next time I went into Metro services but the bill still made collections I tried to call and get it removed and they wouldn't and I have received no help. It's not fair that I have to live with debt and remark on my credit that I paid and was refunded all of the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 TD auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote TD auto finance a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NH

Complaint narrative:
I am a member of chime online bank. On XX/XX/21 I tried to purchase gas and my debit card declined. I went into the app and saw that all of my accounts have been drained. Upon inspection, it appears that somebody hacked into my account, transferred all the money from my savings and credit builder account into my spending account, and then transferred that money to another chime user. There were multiple transfers listed on my checking account. The first was a transfer to a phone number, XXXX for the amount of {$1500.00}. The note for the transfer said bill money. The transfer was immediately returned back into my account. Minutes later. Another transfer was processed to someone named XXXX XXXX for the amount of {$1500.00} again with the note bill money. Moments later another transferred was processed to the same user for the amount of {$150.00}. Since these transactions were transfer from one chime bank account ( mine ) into another chime bank account, they settled immediately, giving me no time to dispute the claims before my money was gone. I called chime bank as soon as I noticed and was told to fill out a form and maybe I would get my money back in XXXX if chime decided the transactions were in fact fraud. I insisted that because this was an issue with their security, and happened through no fault of my own that I be returned the money stolen from me immediately. I was put on a 30 minute hold to speak to a supervisor and was then hung up on. This was not an issue of my debit card being stolen or purchasing something from a sketchy website. This was a breach in chime security. They failed to keep my money safe even though I took all necessary precautions. I have my phone on my person at all times and it is protected via Face ID and passcode. I have never shared my chime password or passcode with anybody. By refusing to take responsibility and give me back my own money, they have left me with no way to pay bills or purchase food or gas. I received no help from the company whatsoever and fear that my money will never be returned to me. My only mistake was choosing them for a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.

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 2021-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I obtained a loan with Mariner Finance. A little time went by and I knew my first payment should be coming due but I remembered it being greater than 30 days out from acquisition. I looked for my paperwork but soon gave in to the fact Id misplaced it. By XX/XX/XXXX Id heard nothing from Mariner concerning my payment being late so I paid them a quick visit to inquire about the due date. I was told I was paid up. A payment had been received in their corporate office and applied to my account in the amount of {$3500.00}. PuzzledI asked several times, Are you sure? The ladies all replied, Yes! You have money available if you need it and would like to refinance. Shocked and bewilderedI stated, Well, maybe my kids found the contract and sent in the payment as its happened once before. XX/XX/XXXX rolled around and my son needed money for college tuition. I went back to Mariner on XX/XX/XXXX and took them up on their offer to close out the previous account and refinance. It was a 12-month note. I made all my monthly payments in person at their XXXX, TN location. Although this fell within the COVID pandemic timeframe I was able to pay a little extra thru out the term of the loan and was due to pay it off one month early ( XX/XX/XXXX ). In XX/XX/XXXX I noticed Id received a couple emails stating, Our records indicate that your account is currently past due. We may have options for you. I called the local office to question the reason for the emails since I knew I was paid up and very close to paying them off. I was told someone would call me back. The XXXX called the next day and stated I was past due on repaying the {$3500.00} back. I was told the original loan had been opened back up in XX/XX/XXXX due to a clerical mistake. The {$3500.00} had been reapplied to it with the first payment being due in XX/XX/XXXX. I was taken aback as this was the first Id heard of it. On XX/XX/XXXX I paid back the refinanced account in full. Is this an acceptable business practice? Can they reopen an account that had been refinanced and is now paid in full? Why was there no communication? Why was I not previously told about this action as Id visited the local office many times thru out this timeframe making monthly payments in person? I was told I should have received something from corporate in the mailwhich I did not. I was told theres nothing they can do about a mail issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: VA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$390.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.

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 2021-01-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
. XXXX XXXX XXXX ... Account # XXXX ... ..Status legally paid in full XXXX XXXX XXXX XXXX Acct XXXX XXXX .... Legally paid in full XXXX /XXXX  XXXX ... Account XXXX ... .Legally paid in full XXXX XXXX XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX ... . Legally paid in full XXXX / XXXX XXXX .... Legally paid in full All these accounts have been paid and in full, I am going for closing and they report them late and refuse to delete this accounts off as I have paid them and owe them nothing. the even stated paid in full on my report but refuse to update my report and delete them off my report. 

I should be closing on my house this week Friday, which if I don't I will loose {$3000.00} earnest deposit. 
Help me please. 

I have contacted the credit bureaus but they are not helping 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 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, I received a notice that flood insurance is no longer required on my escrow account and that the flood insurance has been removed from my escrow. Because of this, I have cancelled the flood policy with the flood carrier. I called on XX/XX/XXXX to request and escrow analysis in order to reduce the escrow payment for the XX/XX/2021 payment. The representative informed me that I can not do an analysis until 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 2021-01-09 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I tried to purchase a {$150.00} XXXX  watch with my Paypal account and a link came up telling me I could get {$20.00} off my purchase if I clicked here. Well, I clicked on the link and Syncrony Bank opened a {$2900.00} account in my name and I found out it was Fraud and the {$20.00} was only to be applied to my next purchase. I called them right back the same day, around XX/XX/XXXX, and demanded they cancel the {$2900.00} account. The man on the other end of the line said he would cancel the account. 
Today, XX/XX/XXXX, I got a notice from one of the Credit bureaus, not XXXX, that my credit score decreased from XXXX to XXXX because of the newley opened account that I never wanted in the first place. I was furious and called XXXX to ask them to look into it for me, as they still had my score at XXXX. They were very nice and gave me your name to help me. 
I also called Paypal and told them what happened and they advised me, in the future, not to click on that {$20.00} offer link and just continue to purchase with my Paypal Credit Union account. Paypal was very helpful. 
I am just worried that my score will remain XXXX and will take a long time to recover to XXXX. I worked real hard for 50 years to never miss a payment and have a low balance on my remaining 4 cards.

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 2021-01-09 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 — Problem with personal statement of dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/2020 {$1900.00} contacted XXXX  regarding old account. Attempted to dispute charges and was denied. Amount was charged to me for unreturned items to XXXX. I attempted to return cable boxes however XXXX would not accept or allow me to return all equipment no longer being used. This is affecting my credit and preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX (  XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting

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 2021-01-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX - Acct # XXXX Please remove Inaccurate reporting

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello Equifax : I was lucky to get a copy of my XXXX XXXX and XXXX credit reports through a mail request. Equifax has never mailed out to me a credit report. I am respectfully requesting my Equifax credit report, even if I need to pay for one. 

XXXX XXXX

Company response to consumer: Closed with explanation