vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: MO

Complaint narrative:
I want to contact someone at your company to let you know that I mailed a letter to XX/XX/XXXX, XX/XX/XXXX, Equifax, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: LEXISNEXIS
State: MO

Complaint narrative:
I want to contact someone at your company to let you know that I mailed a letter to XXXX XXXX XXXX, XXXX, XXXX, and Lexis Nexis about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have tried calling BBVA over 15 times and I still do NOT have a resolution for over {$1100.00} worth of charges and foreign transaction fees. The customer service agents have such a thick accent and speak so fast that I was not able to understand half of what they were saying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lienholder is Fifth Third Bank I requested that all payments over the monthly payment be applied to the principal only. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments have been placed in a BP curtailment account. The monthly payment is being reduced and the additional payments do not appear to be applied to the principal. I have called to confirm this multiple times and requested documentation stating that my request are being honored to no avail. I am being told they can not put in writing my request and confirm the exact allocation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America has sent me through pure XXXX they still missed transactions on my account which equaled out to XXXX the other day and its crazy that the cfpb is not inforcimg these problems they are giving customers as if you guys dont see it they missed transactions on my account now here I am with new claims from transactions from last year like is this real I need my money now as soon as possible I dont need this bull spit in my life why are you guys not making sure they are doing their jobs on our behalf this is crazy they are disrespectful as XXXX On the phone like XXXX I need answers and I want this situation fixed now Im pass upset Bank of America would do this and all u Guys do is let them Kno about the complaint and they still dont care I kno Im not the only person who feels like this the people need you guys to get on Bank of America for all of these mishaps in the mist of a panedemic this is ridiculous I dont want to wait 15 days for no XXXX response on 2 little claims someone fix this now please I have things I need to do as well hello Im a human being to I have to eat and live just like u can someone please be my guardian XXXX and help me fix this situation sooner then later I can never forget one claim was processed with a response within 2 days so I kno it can be done just please do it because Im trying to end a nightmare I wouldnt wish this on anyone especially during time like this please 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 monetary relief
Consumer complaint received 2021-05-17 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: Advanced Resolution Services Inc.
State: MO

Complaint narrative:
I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX XXXX, XXXX, ARS, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was in the hospital and my wallet was locked up with security. My Reliacard unemployment card through US Bank had two fraudulent bill pays. XX/XX/2021 for {$2000.00} payable to XXXX XXXX XXXX and XX/XX/2021 for {$1000.00} to the same person. No phone number listed for XXXX XXXX XXXX but an email was listed XXXX. It also shows the last four digits of his account as XXXX. I never used bill pay and never added this person as a payee. Total theft and fraud or bank mistake. I emailed it to see if it was a company but no response. I have contacted cardholder services many times and got many different answers. I still have not got my money back. Reliacard says the bill pay is a third party company called XXXX XXXX. They said they have no way to contact them. They can only submit an email to them and wait. No response from them and I have spoken to many supervisors. I need this money for my rent and bills. I have been dealing with this for so long. Ive sent them required faxes and they say they cant do anything else. I was told they cancelled the bill pay but that did not work. I also filed a complaint with the integrity department at the actual unemployment office. That did nothing.

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 monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
My mortgage was with XXXX XXXX Loans. This company sold my home loan to Fay Servicing. When I contacted Fay, I spoke to one of their agents who informed me that I would be receiving a package within the next two weeks. I never received the package and so I called back and was informed that Fay foreclosed on my mortgage. I immediately went online and found out that Fay was scamming me just like they did to many others. Fay was fined {$1.00} million for their illegal servicing practices. Upon checking the Summary of NC Mortgage Lending Laws and found out some things such as they must have an office in the state of NC which I think they do not. I hope that you can help me to stop Fay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have tried to do a puppy purchase through XXXX and I got one breeder who scammed my money XXXX $ and When I called bank they are asked to call police department and they are redirecting to bank or attorney. Still he is in contact with me and trying back to do one more scam. I have their phone numbers and email id with me XXXX they are calling with and also this number XXXX. If you track them it will be helpful to stop so many scams. Also they have an email id XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
American Express, with whom I've been a customer for more than ten years, will not stop sending me nuisance emails about my card balance. According to the website, the customer can opt in, or opt out of emails which alert the customer when the balance is " nearing the limit. '' Unfortunately, AMEX sends these emails at every transaction starting when the balance is not even really close to the limit. 

But here is where things turn worse : a customer representative incorrectly and perhaps dishonestly said that AMEX is required by law to send these emails. No such law exists, and no such law was ever applied to me in the past ten years by AMEX. This is a new technical quirk for which AMEX refuses to take responsibility. 

And it gets worse : the email which AMEX sends carries a feedback link to respond to the company. That link is permanently broken. Also bad, AMEX generates these emails citing balances and charges that are entirely incorrect. A recent email alerted me to the problem that I was over my limit. I was never once over my limit, not even for 5 minutes. But you can see how these emails, given their frequency, can become alarming. 

The AMEX interface online makes it clear these emails can be turned off. But turning them off does not turn them off. They are unwanted, unnecessary communications and I want them to stop. I also want AMEX to not lie outright to me, citing legalese that does not exist. To be honest, I suspect that AMEX does this because I currently enjoy a 0.00 % promotional interest rate, and penalizing me with multiple emails starting when my balance is only 65-70 % of my credit limit is a way to suppress spending, or, to induce me to not carry a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Date of Fraud/Scam : XX/XX/2021. 
Date reported to Capital One Bank : XX/XX/2021. 
Amount I lost from my checking account from the on-line scam : {$1900.00}. 
Amount Capital One reversed charges : {$0.00}. 
Capital One Claim # s : XXXX, XXXX, XXXX, XXXX. 
This is a complaint against Capital One Bank and their non-compliance to my fraud/scam cases. Capital One markets and boasts that customers " will never have to pay for unauthorized charges due to {$0.00} fraud liability with Capital One. '' However, I submitted 4 scam cases and they denied all of them. The reason for the denial was " We finished looking into your claim and didn't find that an error happened. '' I was not claiming an error ; I was claiming that I was de-frauded by an online technical scam into sending money to a fake organization. This was clearly fraud/scam that I reported to the FBI and to the Federal Trade Commission on XX/XX/2021. Capital One acknowledged that I was de-frauded, because they sought to regain the lost money from the recipients ' bank accounts but were unsuccessful. Therefore, I should have been reimbursed by Capital One for the fraud/scam scheme that victimized me if they offer {$0.00} fraud liability as part of their banking policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I sent a debt validation letter twice on the following dates : XX/XX/2021 and XX/XX/2021. Each time, the company failed to verify my debt. On XX/XX/2021, the company sent a letter that stated a debt value of {$680.00} but the debt value received from XXXX  and XXXX  on XX/XX/2021 states a debt value of {$510.00}. Also, the letter sent by the company on XX/XX/2021 did not answer the requests I needed in order to verify the debt. After, I sent the failure to validate letter on XX/XX/2021, the company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: NC

Complaint narrative:
The credit card company is constantly switching numbers to call me. I block one call it comes through with another number. Today I got a call from : XXXX When I looked up the number in question via XXXX. It came back at this company : XXXX XXXX XXXX The name of the original collection group : Dynamic Recovery Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX they use an email address : XXXX I am getting emails from them as well as constant calls. 


Please make it stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: NY

Complaint narrative:
OnXX/XX/2021 I 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 I'm being taken advantage of and being ignored of my disputes. Section 611, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: FL

Complaint narrative:
On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from American Coradius International LLC stating I owed a debtor {$630.00} and named XXXX, XXXX as the creditor. While I have a regular XXXX account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a XXXX credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
We lived at XXXX XXXX XXXX apartments before they were purchased by XXXX. Upon purchase, they replaced most of the staff, including my wife who had worked there from XXXX to XXXX. We moved out and into the new property she was employed by. Upon moving, my vehicle was struck by their gate and damaged. The property manager XXXX said they would compensate me for the damage, but never did. A few months later, we noticed a collections on our credit reports for over {$2000.00}. We were not provided with any notification of the debt, nor any detailed list of charges. We contacted XXXXXXXX XXXX and they told us it was no longer with them. We tried to obtain an itemized list of the charges, because we did not agree that we owed them. We were not furnished any such list. We disputed the charges and they came back valid with the credit bureaus. We contacted the collection agency to try and resolve this issue, and they were very rude. They refused to remove this unjustified charge from our credit reports for anything less than full payment of moneys we do not believe is rightfully owed. We are now stuck with little to no options other than being fleeced by these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
First Financial Asset management added debt to my credit report without any acknowledgement in the amount of {$300.00}. Also XXXX XXXX XXXX has sold the original debt to first financial asset management. Violation of the Hipaa laws and privacy act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: FL

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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have sent money to Binance.us to trade crypto currencies and it was letting me trade my {$2000.00} USD that I sold of Ethereum to buy Dogecoin. I sold the Dogecoin and now they locked my trading or withdraw ability claiming I have not " Verified my Address ''. This has been going on since XX/XX/2021, goin on a month now. I have sent bank statements, utility bills, ID drivers license, and any other document that shows my billing address which is my XXXX XXXX and my physical address of where I live and they still haven't given me access to my funds. 

I have tried to reach this company through their ticketing system, and I get automated responses that do not lead to any answers. When I submit a document they reject it. I have emailed XXXX XXXX ( XXXX ), and XXXX XXXX ( compliance and risk manager ) twice and they have not responded to anything. 

I have messaged the XXXX " Binance.us support team '' and no response to multiple messages. 

I need to withdraw my money from this account because the platforms staff have been disregarding me and causing a hardship on getting my funds back.

Company response to consumer: Closed with explanation