vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX  of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately

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

Complaint narrative:
XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

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 2021-05-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

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 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This company is harassing me. I am not a party to the debt. I have informed them they are calling my work number and I am not XXXX nor do I know who XXXX is. They continue to call XXXX this is a Government cell phone, they will not stop calling. My clients/ families call this number I am a XXXX XXXX not XXXX. Please make them stop.

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 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
Have been ignored and threatened by various mortgage advisers especially the last one. Am with XXXX XXXX now thru BSI and XXXXes so over worked and back logged he cant even call back even though I begged for corona virus forbearance assistance.

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

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One XXXXr credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than XXXX % of those who hold the Capital One XXXX credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One XXXX credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One XXXX credit card it was on a larger than normal purchase of a few XXXX dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful Consultant with 3 Master Degrees and several National Awards. The whole point of getting this card was to be able to have access to a higher credit limit. 

CAPITAL ONE RESPONDED TO MY RECENT CFPB COMPLAINT STATING TO GO ONLINE AND SUBMIT A CREDIT LIMIT INCREASE EVENTHOUGH KNOWING THEIR GUIDELINES FOR A CREDIT INCREASE IS TO WAIT AT LEAST 6 MONTHS TO A YEAR. CAPITAL ONE IS WELL AWARE I HAVE YET TO REACH THAT MARK! THEY ARE IGNORING THE CORE ISSUE OF MY COMPLAINT!

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

Complaint narrative:
I have tried disputing these accounts with Experian, nothing ever gets resolved, they always say, accounts were verified. These accounts do not belong to me. 


XXXX XXXX XXXX -ACCT # XXXX {$2200.00} XXXX XXXX Acct # XXXX {$450.00}

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately

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

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

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

Complaint narrative:
I have invested over a XXXX dollars in cryptocurrency on Binance.XXXX. After a bank issue ( in which the missing funds were promptly replaced ), my account has had its trading/withdrawal functions revoked. I have provided all the required ( and invasive ) documentation and verification for their Deposit Appeal process, and I do not own BinanceXXXX any money, nor have I - for weeks now. 

Like hundreds of others XXXX XXXX, XXXX XXXX, my funds are still locked - weeks after replacing the relatively small sum of funds that never transferred XXXX something like {$760.00} XXXX. And my account is still less useable than a paperweight. I believe Binance.XXXX is selectively scamming people, and they still believe that they can get away with it. Our community is growing, and angry. Many people have lost much larger opportunities than myself, and have lost access to accounts with larger balances. I've seen a comment/post about one particular user who claims their 5-million-dollar account is still locked ( and has been for longer than my own ). 

I don't know what to do. I've started a Discord server for the community to gather on, contacted XXXX, tweeted @ every possible member of the Binance team that could see it, sent in weekly support tickets ... It feels like their support team is not just slow, but nonexisistent. Anyway, A LOT of people need help right now due to account issues with Binance.XXXX 

Here are my XXXX case XXXX : # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ) The email address associated with my account is " XXXX '' Thank you very much. I was motivated by our # XXXX XXXX to share my story with the CFPB, and I hope this can help out someone else too. I think this is happening to a lot of people, and I'm not sure how many are actually taking it seriously XXXX other than the 351 subscribers of the XXXX subreddit created one month ago, and a couple other small online gatherings )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Summary : Ally Bank, due to negligence or fraud, sent money from my checking account in a cashier 's check to an unidentified address in XXXX, GA  and refuses to return my money : {$44000.00}. 

Details : On XX/XX/2021, I requested an Ally bank check be sent to me payable to " XXXX XXXX '' for {$44000.00} with funds withdrawn from my Ally Bank checking account to purchase a car. This check was requested to my home address on file with Ally Bank : 2 XXXX XXXX XXXX XXXX, OH XXXX. I paid an additional fee to expedite this check to arrive in time for me to purchase a vehicle at XXXX XXXX in XXXX XXXX NJ, on XXXX  XX/XX/2021 for vehicle VIN : XXXX. I am taking XXXX Flight XXXX Fri XX/XX/2021 from XXXX to XXXX  for this purchase. For an unknown reason, fraud or negligence, Ally Bank sent the check via XXXX to an address in XXXX, GA-XXXX  tracking XXXX. I have never lived in Georgia, the payee is not in Georgia, I never provided a Georgia address to Ally Bank. I do not know the exact address the check was sent to as Ally Bank will not release this information. Ally Bank will not return this money to me nor release information about who in XXXX, GA may have possession of this check. Ally Bank Case XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of america close my accounts did not get a reason I still do not understand

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