vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been trading with Binance US for over a year and had previously been verified with them. I currently have {$130000.00} in cash and ~ {$35000.00} in cryptocurrency on their exchange. On XX/XX/2021 I had my mobile phone repaired and later that day I was asked to accept the terms of XXXX XXXX when I tried to make a trade - I was not asked to verify any other part of my identity. Since then, my account has been pending verification and I do not have access to my funds. I have submitted two support tickets ( XXXX and XXXX ) and my issue has not been resolved - I also emailed to ask if I should be concerned about my account security and did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This debt was resolved nearly two years ago when it was paid under settlement. I was promised that it would be removed from my report and that I would hear the end of it. However, recently, this company put this incorrect and predatory information back on my credit report that deducted 85 points from my profile. I have the proof that it was paid on XX/XX/2019 directly from my checking account in the amount of {$1200.00}.

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 explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Advance America has been calling and harrassing me for months. They are looking for a person named XXXX XXXX. I've never met this person and am the sole user of the phone I have. I have never dealt with Advance America and have no outstanding debts of any kind. 

I have to keep blocking all the different numbers they are calling from. I called them several times to inform them the number doesn't belong to XXXX XXXX. On XX/XX/XXXX I called and a woman said she had removed my number from their system. After more calls on XX/XX/XXXX, I called again and a woman with a terrible attitude said the removal process takes 72 hours. That was obviously a lie  since I got another call today, XX/XX/XXXX. 

They've been clearly informed that XXXX XXXX is not attached to my phone number and have ignored this fact in continuing to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/2021 Binance.US locked my trading account due to a chargeback and asked me to send a picture of myself, video, pdf bank statements and send money in to cover the amount of the chargeback ( {$5000.00} ) all was done same day. Its been over a month and my account is still locked and $ XXXX plus is being held my support ticket number is # XXXX please help get my funds unlocked. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: ERC
State: IL

Complaint narrative:
I ORDERED MY CREDIT REPORT AND SAW THIS COMPANY ON MY REPORT SHOWING THAT I OWED MONEY.I HAVE SUCCESSFULLY PAID OUT THIS COMPANY AND RETURNED THEIR EQUIPMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I HAVE AN ACCOUNT WITH VICTORIAS SECRET WHICH WAS PLACED IN COLLECTION, AND SOLD TO ANOTHER COLLECTION AGENCY. HOWEVER IT IS SHOWING UP ON MY CREDIT REPORT TWICE, ONE TO THE ORIGINAL AND ONE TO THE NEW COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX  removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file immediately.

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 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had some financial difficulties at the start of the Covid-19 Pandemic but never missed a mortgage payment. However, I visited XXXX XXXX website in XXXX 2020 to just request basic information about mortgage assistance options just in case things got worse. Unbeknownst to me, and without my authorization, permission or disclosure, Wells Fargo placed my loan in forbearance. My mortgage payments are auto-debited from a checking account held by Wells Fargo which has at least 3 months of payments available at all times. Without authorization or permission from me, Wells Fargo discontinued the auto-debits for my mortgage payments. 

At the same time this was occurring, I was also seeking refinance options to replace my unaffordable, adjustable-rate mortgage with Wells Fargo with a fixed-rate mortgage at the historically low interest rates. I applied with another lender and was pre-qualified for a fantastic interest rate and a much lower payment. However, in XXXX, that new lender notified me that my Wells Fargo loan was in forbearance and, therefore, I was denied and could not get the refinance loan. 

Wells Fargo has trapped me in their unaffordable, adjustable-rate mortgage and my credit is severely damaged by their wrongful forbearance scheme. 

Once I discovered their fraud, I attempted to cure the missed payments, but Wells Fargo repeatedly misapplied my cure payments. It took months just to get the cure completed. However, my credit still shows those months without payments.

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 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunions reporting multiple incorrect address, phone number, and alien names on my credit report. Inaccurate information being reported in my credit report. 

Letter was sent to update correct information and remove false information.

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 2021-04-10 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: LEXISNEXIS
State: NY

Complaint narrative:
Depsite having a XXXX credit score, no evictions no collections. This company reported that I had negative items on my file resulting in a denial of service ( XXXX XXXX XXXX ). 

I want a copy and i want items corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
requested reporting company to remove fraudulent items from my credit report agency did not follow law and remove items

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 2021-04-10 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: FL

Complaint narrative:
requested reporting company to remove fraudulent items from my credit report agency did not follow law and remove items

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 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My property Taxes were due XX/XX/XXXX. Closing Date was scheduled for XX/XX/XXXX. I asked Chase if that would be an issue to get the closing done and my property taxes paid in time without a penalty due. Chase told me yes. I closed on the XXXX with no issues and there was a mistake on the paper work on Chase 's part. The loan did not get funded till XXXX and I was levied a penalty for not paying taxes on time. I reached out to chase to ask for the discerepency but they keep giving me the run around. It has been over 2 months and there has not been a resolution. I have asked multiple times for repayment of the current penalty which is now from XXXX to XXXX. I work full time and to have to reach out to chase every week for a followup and no progress is extremely frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
XXXX XXXX was closed by the state of Minnesota via Governor mandate from the dates of XX/XX/XXXX, reopened at 25 % capacity from XXXX and closed again from XX/XX/XXXX to mid-XX/XX/XXXX. We had almost XXXX income at no fault of our own. As XXXX XXXX XXXX our top priority was keeping our staff paid. My husband called Ally and explained our situation. We were told special considerations would be made for late payments during government mandated shut downs due to the pandemic. We were marked down as late for both XXXX ( preparing for shut down round two ) and XXXX when we were completely closed. Both months we were 1 day late - scrambling to pay all of our bills with no aid available at that time. Again, the small business community gets absolutely abused by those unaffected by this pandemic. Even being told we would receive special consideration on reporting due to the circumstances due to the pandemic but not having that honored. We filed a dispute through XXXX and instead of removing our late payments from XXXX and XXXX they CHANGED them to XXXX and XXXX when we werent closed. How is this legal and how is this possible. Even though we werent closed during those months we were operating at such a reduced capacity I think it is beyond reasonable to not submit negative reports to XXXX XXXX  who were subject to significant limitations and closures to their 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 non-monetary relief
Consumer complaint received 2021-04-10 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO WITHDRAW MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN TAKE THE MONEY OUT.  THEY TOLD ME  AFTER 180 DAYS I WILL BE ABLE TO WITHDRAW BUT THAT  IS NOT TRU , NO I AM STILL WAITING FROM MORE THAM 260 DAYS AND THEY DONT WANT GIVE ME  THE MONEY.

MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  
PayPal IS NOT COMPLYING WITH WHAT YOU SET IN YOUR OWN POLICIES.  NOW THEY'RE THIEVES. THEY OFFER YOU A SERVICE AND WHEN YOU USE IT THEY BLOCK YOUR ACCOUNTS AND SAY THAT THE TERMS AND CONDITIONS HAVE BEEN VIOLATED BUT NEVER SPECIFY AND DO NOT TELL YOU THAT TERMS HAVE BEEN VIOLATED. THE TRUTH IS, THEY DO THIS TO STEAL THE MONEY.
I NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  
THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY WITHOUT REASON .

THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE .

I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON .

PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REASON I AM FILE A REPORT HERE.

PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE  COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE.
SEE THE PROOF ,   ALL PICTURE.
MY EMAIL IS,                                  XXXX

PAYPAL JUST HOLD MONEY AND THAT IS A CRIME .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My mortgage was with Well 's Fargo Home Mortgage. In past I have had a number of issues with this company & reported them @ leaset 2-3 times for these issues. Therefore I recently refinanced my home with XXXX XX/XX/XXXX since this is my current bank & plus interest rates came down. Also I wanted to get rid of Well 's Fargo because of all the errors they have made over the years. My Mortgage was paid off in full on XX/XX/21 by my XXXX new acct. BUT to date, XX/XX/21, Well 's Fargo has NOT sent me my escrow monies. Yes I did call them & supposedly was told sent on XX/XX/21 BUT why were they awaiting so long to release my escrow? Were they awaiting to get any interest on these funds?? I am unsure how the banking system works, yet in todays economic climate, as soon as my mortgage was paid in full by XXXX, Well 's Fargo should have released my money. Again today is XX/XX/21 & I have NOT received my funds. THIS is like my 3rd complaint about this banking company & something should be done re : their inept practices. 
I have been a dedicated consumer & was way ahead on my mortgage payments. In fact my next payment, IF I stayed with them, was due XX/XX/21. So show respect for a dedicated 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 explanation
Consumer complaint received 2021-04-10 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor Credit Acceptance be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( Credit Acceptance ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: IL

Complaint narrative:
I recently obtained a copy of XXXX XXXX credit report from and found the following item to be in error : To wit on XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX, Illinois and purchased a brand new XXXX  XXXX XXXX. On that said date, I gave written authorization to the on-premise XXXX XXXX XXXX  to process a hard inquiry to secure an auto loan which I was approved for in the amount {$34000.00}. 

After recently reviewing my credit report I have discovered a 2nd credit inquiry request by XXXX XXXX XXXX which may have been done in error. I only authorized XXXX XXXX XXXX which was located on the XXXX XXXX XXXX premises to procure the hard credit inquiry for the purpose of securing an auto loan. Please remove the 2nd hard inquiry attributed to XXXX XXXX XXXX on that same day ( XXXX XX/XX/XXXX ) from my permanent credit files, as it was done in error and/or without my written authorization.

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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a letter fro this company around XXXX XXXX. I send them a statement that the Debt wasnt mine back in XXXX XXXX. I was told to contact the original company by Midland. After been the run around. I had a statement add to my credit file. This has been on my credit report for over 7 years and still reporting negative on my credit. I need help with getting this removed. Its has passed all laws on the time it can still report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: PA

Complaint narrative:
I noticed an Installment loan from XXXX with a {$0.00} balance on my credit report. I did not authorize this loan nor do I know who initiated this loan. I also discovered 2 XXXX XXXX XXXX XXXX accounts on my reports that was not authorized by me as well. I have been a victim of Identity theft numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good afternoon. This is a complaint about trans union!! I have sent 4 faxes to transunion dispute numbers listed. 2 numbers and when I call I get no help Im treated rude hung up on even yelled at!! I have numerous hard credit inquirys on my credit reports transunion is seemingly not willing to help!! I was able to get this process done in 2 hours with other bureaus I am trying desperately trying to submit dispute for hard inquirys with transunion that are fraud!! Please inform company of formal complaint I am making. Today is XXXX XXXX XXXX  XXXX Time I have been attempting online since XXXX XXXX  XXXX time. XXXX 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 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX loyalty line original told us they would give my husband {$750.00} for my husbands XXXX XXXX and {$750.00} for my XXXX XXXX ( both in mint condition ). We were going to to go to XXXX if XXXX XXXX XXXX wasn't going to give us anything for 18 years of loyal business. We decided to stay with XXXX XXXX XXXX and bought XXXX XXXX maxes. When we went to to turn in our XXXX XXXX XXXX XXXX XXXX then said they wouldn't give us the money they agreed to. {$75.00} for my phone, {$35.00} for my husband 's. We then returned the phones to XXXX XXXX XXXX within the 14 days they require, when they broke their end of the contract ( I have the USPS shipping receipt & tracking that is was delivered ). They are now trying to charge us for the XXXX in the amount of {$2700.00}. I have called XXXX XXXX XXXX  a total of 13 times and spoke to 25 different people, they keep telling me they are taking care of it. I have gone to the XXXX XXXX XXXX Store 5 times and talked to 6 different people and we have now been sent to collections at Sequium Asset Solutions. XXXX XXXX XXXX has now removed {$2500.00} from our bill but still says we owe them {$260.00} which Sequium Asset Solutions is trying to collect. I don't know for what, I can't locate anything on our past bills what the charges are for?! We have been with XXXX since XXXX. We paid our last bill which was {$180.00} XX/XX/2021. XXXX XXXX XXXX still owes my husband {$100.00} for the tax he paid on my XXXX we returned to them and they received XX/XX/2021. Delivery proof is in the attached document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Paypal Holdings, Inc

Complaint narrative:
PayPal put limitations on my account for no valid reason and will not help me with getting it back and going. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation