vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MA

Complaint narrative:
On XX/XX/2021, I deposited {$500.00} only {$470.00} was available for trading. I was charged a {$22.00} for the deposit. This is the first time Binance.US charged has ever charged me for a XXXX deposit. There was no notification of a policy change. As a matter of fact, the {$22.00} appeared as a charged only recently. I am concerned this is retaliation for my prior complaint. On that same day, I bought XXXX of XXXX for a total of XXXX. On XX/XX/2021, I sold XXXX for a total of {$470.00}. I didn't check my account until about 10 days ago when I noticed my balance was {$120.00} instead of {$470.00}. Immediately, I attempted to transfer my XXXX  out of the account. I received an error message : Withdrawals suspended due to risk management. I opened a ticket and Binance.US have yet to respond. I believe Binance.US is retaliating against me for my last complaint. Their unauthorized transactions without communication is alarming. They seem to invent charges to explain the unauthorized transactions. They are engaging in fraud and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to Experian or 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 2021-06-07 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 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit score has been lowered by XXXX  and TransUnion approximately XXXX pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.

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 2021-06-07 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 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RC Willey
State: UT

Complaint narrative:
RC Willey is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am participating in the Public Service Loan Forgiveness program. I submit Employment Certification Form ( ECF ) at least once each year to verify my employment so that I will be able to see that my payments count towards the program in real time, also as it is recommended for PSLF by Fedloan. I submitted an ECF in early XX/XX/XXXX ( around XX/XX/XXXX ) and received an email on XX/XX/XXXX that more time would be needed to verify my employment. I called Fedloan on XX/XX/XXXX to check the status and was told by XXXX ( Employee ID XXXX ) that she is not sure why the employment was not certified and she would put the form through to be expedited. My employment has still not been verified since that submission. Therefore, in late XX/XX/XXXX ( around XX/XX/XXXX ) I submitted an additional ECF. On XX/XX/XXXX I received the same email stating more time was needed for review and I still have not heard the results of that form. I spoke with Fedloan representatives two additional times, both of whom said both forms should have been approved by now. I have done everything necessary to qualify for the program and Fedloan is not verifying my employment in an appropriate timely matter and I would like this looked into. The two ECF 's I've submitted this year are attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: SC

Complaint narrative:
My Experian credit report contains addresses and jobs I never had. 
I had fraud years ago and fear someone is using my identity in XXXX and Florida.

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 2021-06-07 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: AL

Complaint narrative:
Problems with inaccurate, unverified information reporting on my credit report, which is preventing me obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX concerning this matter asking for proof that these accounts were properly verified and reporting accurate information, and nothing has been sent or done to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX PayPal permanently limited my account with them, and froze my remaining balance. The account held {$2000.00} in revenue for selling goods. All of my sales were legal and in good standing. I contacted PayPal on XX/XX/XXXX via telephone, and I was told that my account was permanently banned, and they did not state the reason. I asked about my money still in the account, and the representative told my the money would be held for 180 days, after which I would receive an email on how to claim. On XX/XX/XXXX, PayPal debited my account the entire {$2000.00}, stating it was to pay for damages to the company. I reached out to the XXXX to complain, and today XX/XX/XXXX I received a response stating they banned my account for possible ammunition sales. They still refuse to refund the money. I understand they can ban my account, but I do not understand how they can lie, string someone along for 6 months, then steal the money that is left in the account for damages. A quick XXXX search regarding this issue will reveal this is not an isolated case. PayPal is continuing to perform fraud and theft in regards to their vague acceptable use policy for which anyone can violate for a multitude of reasons. PayPal should do the right thing and refund not just my money, but the hundreds and probably thousands of others this has been done to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am sure you will be unable to help me as the credit reporting agencies are privately controlled entities that can do whatever they want. I just want to tell you my story. I worked all year long to build up my credit after a divorce. I just got it up to XXXX. I was able to refinance a 12.6 % car loan and lower it to an amazing 1.74 %. I was so proud of myself. Well, today the new account reported and it tanked my credit by 87 points! In what world, does improving your finances by lowering your interest rate cause such a drastic change. How is what I did bad? The credit scoring system is flawed. It needs to be completely dismantled and re-evaluated. 87 points for switching to a lower interest rate is patently absurd. These companies have so much power over the financial health of Americans. I am at their mercy for housing, credit cards, loans ... ..They need formulas that are completely transparent and make sense. This does not make sense. I called Transunion to complain and they said that is just their scoring model. That opening a new account can lower your credit. They actually refused to tell me how much it had dropped. I knew because I have credit karma and Transunion online and received emails. My score, my financial health, my life and yet they refuse to tell me ... .. How is it legal for the consumer not to know how much their credit score dropped? 

I have spent the better part of the year buidling up my credit and educating myself about the intricacies of this credit scoring game. The credit reporting system is broken. It does not make sense. It is a bunch of convoluted scores, which you have some idea on but not the amount something will add/drop your score. And a lot makes zero sense. 

Thank you for listening to my story. I did nothing wrong and my purchasing power has just been seriously diminished by a formula created by a powerful entity under no obligation to inform me of what happened. I can do nothing to change it but am simply at their mercy.

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 2021-06-07 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: FL

Complaint narrative:
I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( TransUnion ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or TransUnion.

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 2021-06-07 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: FL

Complaint narrative:
I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On Equifax the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. Equifax is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I was notified by XXXX XXXX XXXX XXXX of my Denial status based on the information pulled from Transunion 's Credit profile of me. Upon, reviewing my letter I noticed a discrepancy with the reported Credit Score and My actual Credit score. I asked the XXXX if they could supply me with model of scoring or where this information was obtained. They instructed that I reach out to Transunion to gather that information. 

I as a consumer, know my rights when it comes to knowing what information can be disclosed to me about my credit profile and feel as Transunion is not reporting a real score and credit profile to the lenders that I do business with. 

I called Transunion and spoke to a Representative and Supervisor who both did not disclose to me the information I requested. But continued to insult my intelligence until I informed them, that I have their Credit monitoring service, XXXX XXXX, XXXX XXXX and have recently pulled updated reports. None, of the scoring models they gave me are a reflection of my current score for the last 12 months. I can prove it with screenshots and account information. 

I feel they are violating my rights to a fair credit reporting system to my lenders about what my credit worthiness is accurately.

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 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have decided to trade in my XXXX XXXXXXXX XXXX that is financed by Ally Auto due to personal reasons. Ally sent me a letter stating that I can not trade in my car ( exact wording-they are not agreeable to my trading in the car ). The trade in will satisfy the loan so Im unsure as to why they are trying to block the sale. I have called in numerous times and no one will help. I have a right to trade in the car if the trade in amount satisfies the loan. I want yo hear from Ally as yo why they feel they can stop my trade in.

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 2021-06-07 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: CA

Complaint narrative:
I disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/2021, I requested that chime close the credit builder account immediately. I made the request via chat agent 3 times and then also on the phone. The account is still open and they continue to refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX-2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.

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