vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: PA

Complaint narrative:
Receivable management systems XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have been using a deck consolidating agency known as XXXX XXXX  to contact them via third party with all of my contact information to settle and absolve and eventually pay on this debt. Over the course of 3 months they have made no attempt to contact me but feel they can justifiably up the debt to which I owe which recently over the last two days has been an additional {$150.00}. Since they have not made any attempt to return any calls made on my behalf or by my own person I contacted XXXX to dispute the debt due to non-contact. They simply replied with they disagree and that was that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: DE

Complaint narrative:
I communicated that my identity was fraudulently used to open unauthorized accounts. They than proceeded to treat me as the perpetrator opposed to victim. Experian is very unresponsive and dont seem to care. Then when I get through, and I complete all their task as well as prove my address during time unauthorized accounts were open, still nothing happens. My disputes take over 45 days. Also, experian fails to verify account to consumer.

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 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion and to cease all collection activities of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hard inquiries on my credit I dont recognize.

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 2021-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
On XX/XX/2021, I called Kia Motors Finance and told them about inaccuracies they had reported to credit bureaus : they falsely reported that I paid late multiple times on a vehicle lease, when I never did. Their own records show I always paid on time and they agreed this was true when I talked to them. I have called them many times and written a letter because their credit reporting department has NO phone number or email address, according to customer service- this is a big problem. The only way to contact them is postal mail and then you have to wait for a response. I tried using XXXX to ask Kia Motors Finance for contact info for the credit report department but they didn't respond to me at all. 

My credit score went down over 60 points, dropping my credit into the mid 600s when it had been in the upper 700s. This has stopped me from starting the process to get a mortgage because I'm not eligible for the rate I want. It is now XX/XX/XXXX and Kia Motors Finance still have not fixed their mistake. My credit report still shows the late payments that never happened. 

I filed a dispute with the three credit bureaus. XXXX  emailed me to say they confirmed the late payments were correct ( perhaps Kia Motors Finance never responded to their inquiry ) and closed the dispute. Today I sent XXXX  a PDF of the 100 % on time payment record that Kia Motors Finance emailed to me, and now my XXXX score went up 45 points suddenly. So it seems XXXX  has finally removed the incorrect late payments. My score is not where it was before and I still have to get the other bureaus to correct the mistake. I still have not heard from XXXX. It's disturbing how much trouble Kia Motors Finance 's mistake has cost me. I've attached the payment record.

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 2021-05-16 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NM

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from XXXX  in the amount of {$490.00}. It should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is the most recent letter I have sent to chase. They have rejected my dispute rwice now. I am v=being charged for a mattress that was returned and lost by XXXX. I am being charged for an adjustable base that never left the warehouse. 

I am writing again to dispute a billing error in the amount of $ XXXX my account. The amount is inaccurate becauseI purchased a mattress and adjustable bed. I received the mattress only. I am requesting documented proof from chase that I owe the amount from both the mattress that was returned and lost by XXXX and the adjustable bed that was never shipped to me. 
I was unhappy with the service as I could never get anyone to answer the phone to discuss when the adjustable base would be delivered. I finally spoke with XXXX who advised she would send a XXXX  label to return mattress. I returned mattress on XX/XX/21 tracking # XXXX. I filed a claim with this credit card company and I recently saw a recharge for the mattress and adjustable bed, stating that because XXXX lost the mattress and the company complained they never received it that I am still responsible for the payment of a mattress that was sent back and adjustable bed that never left the warehouse. I called XXXX today and they stated it was XXXX XXXX responsibility to file a claim with them and they would reimburse XXXX. I have reached out to XXXX via email and am awaiting a response. 
XXXX said they could do nothing for me since XXXX paid for return shipping. According to the FTC, I may withhold payment on the disputed amount ( and related charges ) during the investigation. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I have sent several documents and emails including the tracking number supporting my position. Please investigate this matter further and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
my binance.us ticket # XXXX.My binance.us account can not be deposited, can not withdraw cash to the bank, and can not withdraw cryptocurrency to my digital wallet. Because on XX/XX/XXXX, I transferred money from my XXXX XXXX  account to binance.us account, the amount was $ XXXXusd, and the transfer was successful immediately. But on XX/XX/XXXX, I received an email from binance.us and refunded my $ XXXXXXXXusd. The reason should be that my bank card was less than $ XXXXusd, and I was asked to deposit the money in binance.us as soon as possible. Account, but later I discovered that binance.us has disabled deposit usd, withdrawal of usd, and withdrawal of encrypted currency. I cant deposit {$1500.00}. I can only sell the encrypted currency in my account until {$1600.00} in my binance.us account. With {$1600.00}, they still don't unlock my account. Today I still can't deposit usd, can't withdraw usd to my bank, and can't withdraw encrypted currency to my digital wallet. The current binance.us account contains {$20000.00} worth of cryptocurrency, XXXX dXXXX and XXXX XXXX. This is the problem I am facing now. I couldnt find the customer service number of binance.us. I emailed them without replying. I left a message on XXXX. They would only say that they had helped me with feedback and would contact me soon, but I couldnt wait for their email. There was no reply at all. I searched the Internet for problems like mine, and found that many American citizens face the same problems as me, unable to withdraw cryptocurrency, unable to withdraw usd to the bank. I really dont know what kind of binance.us is. The company has such poor customer service, which is unique in the world. They don't care about the loss of customers, and don't care where the customers ' money is. Doesn't binance.us do things in accordance with the laws of the United States????? I am very, very worried now, I am afraid that all my money will be taken away by binance.us and swallowed by them. I was desperate these few days. I asked a lawyer for consultation. He said that binance.us has a lot of power in the United States and a large sphere of influence in the United States. This lawyer is not willing to help me, but this lawyer asked me to go to Consumer Financial The Protection Bureau asked for help and asked the Consumer Financial Protection Bureau to help me. I always believe that the United States is a powerful country and a country under the rule of law. The Consumer Financial Protection Bureau can help people like me. The existence of the Consumer Financial Protection Bureau can make those who are irregular, distorted, and dark The transactions are regulated and corrected. Thank you very much Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Activehours
State: NV

Complaint narrative:
This is not about a mobile wallet and there's no option for other but i have been using a mobile app. Its called earnins. Earnins is a service that let 's you borrow money before payday ... its a payday app and I have a limit of XXXX dollars on there and I only borrowed XXXX including small tips and they are trying to say that I owe them XXXX on my next payday. I never borrowed that much money. Thats my entire paycheck. So they get a hold of my bank account information and they are going to steal everything from me now. I need help pretty fast because that's my rent money and everything to live off of for 2 weeks. I would be drained out if every penny I have to even eat with. It's a payday service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on the their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask. In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag. 

So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment. That was it. They did nothing else. Then they reinstated the charge. After being given the runaround for a month or so, I filed an appeal. In the appeal I proved that Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion. 

The links supporting my argument are as follows : 1. WHOIS ( SHUT-FOR-FRAUD ) : XXXX : XXXX 2. XXXX  : XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well, including, where Comenity Capital Bank refused to close the account, despite making two requests in writing. They even mailed me a new card after my second request. 

I'm also sure the FTC would like to know that Comenity Capital Bank has referred the account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer. 

But, when I call the number back they all lead to Comenity Capital Bank. Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit XXXX along the way is just an added bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX of this year, I received the email from the Binance.US team titled Binance US | Deposit Failed Alert and followed the instructions as directed in order to resume deposit & withdrawal functions for my XXXX account registered to the email address XXXX However as of todays date XX/XX/XXXX, my account still disabled and when I check the status of my ticket # XXXX ( assigned to the person name XXXX ) I find, to my disappointment and disbelief, the ticket is under the SOLVED status. 

My account has approx. XXXX USD and due to their lack of response, I have lost thousands of dollars in trading. 

To my amazement, On XX/XX/XXXX I received an email from they titled " ACH Deposit Limit Increase '' saying " We are pleased to inform you that your 24-hour ACH deposit limit has increased to {$10000.00}. Thank you for being a Binancian - happy trading! Binance US Team '' but nothing account my account been disabled and no trading ability. It very hypocritical for them to ask me to deposit more money when my account is disabled for withdraw and trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Company responded to last complaint threatening to sue. Ironically enough they share the same address with the attorney ( is this even legal? ) something is a little off about all of this - the company needs investigated. 
Also - they threw Kansas Statutes Annotated 16-201 in my face for interest however, it states NO MORE than 10 % per annum - according to their response to me the debt isnt even a year old and theyve racked up almost 12 % in interest fees already. 
Id like more information regarding the debt in question, as I believe its less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NM

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from 2014 in the amount of {$490.00}. It should be removed.

Company response to consumer: Closed with explanation