vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 we were contacted by XXXX XXXX XXXX located in XXXX, Florida regarding the XXXX  we own at XXXX XXXX, XXXX XXXX. Since we have not been using it, they guaranteed us that we will be receiving {$1800.00} a week, and they will charge {$390.00} a week ( 6 weeks ) A contract was downloaded for us to sign online. They just took us quickly to the lines requiring signatures or initials, without allowing us to see the full contract.They insisted the process needed to go fast. We thought they will send us the copy of the signed online contract, but we didn't receive it. The only page we received was the " XXXX Owner 's Right of Cancelation '' which states on second paragraph " You have un-waivable right to cancel this contract for any reason within 10 days after the day you sign this contract. '' We felt uncomfortable, and decided to call XXXX XXXX  the next day. XXXX told us we only have 2 weeks to use it, not 6 weeks. On XX/XX/XXXX XXXX 2 days after the online signing what we couldn't see, we sent a letter of cancelation, via certified mail to the XXXX XXXX XXXX ( copy attached ). We traced the tracking number and it showed that the cancelation letter was delivered to the front desk/reception/mail room on XX/XX/2021 at XXXX XXXX FL XXXX. They received the letter before the 10 days deadline. 

The amount of {$2300.00} XXXX $ XXXX XXXX was charged to our Citi Visa card on XX/XX/2021. We stop the payment and disputed the charge with Citi Visa on XX/XX/2021. The dispute was opened on XX/XX/2021 once Citi Visa received all proof of documents from us. We have been working with Citi Visa sending all the documentation and proof of cancelation. Credits were temporarily given by Citi Visa, however the final result given by Citi Visa is that " the merchant will not honor the request for credit based on the information provided. '' XXXX XXXX XXXX stated they never received the cancelation letter ( which is attached with all the documentation and proof of certified mail delivered to them ).

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 2021-05-21 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: OH

Complaint narrative:
I have reached out to experian about a dispute and was informed that they did not fix the error. I filed a cfpb complaint regarding a XXXX account and was informed by XXXX that an updated aud was submitted. I have reached out to experian and they have refused to accept the updated aud and keep advising me to submit a dispute but then come back and say they will not reinvesigate. Experian is the only credit reporting agency reporting this account incorrectly and i would like it fixed.

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 2021-05-21 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was a victim of identity theft and the result of that several account are reporting that are not mine i have try many times to fix this problem with these company and they refuse to removed these account from my report, account that are fraudulent XXXX XXXX XXXX # XXXX XXXX # XXXX COLLECTION # XXXX COLLECTION # XXXX COLLECTION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: GA

Complaint narrative:
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED 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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Disputed with XXXX and the debt for wakefield was removed but it still appears on this report. Wakefield has records of it being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CO

Complaint narrative:
On XX/XX/2021, I noticed suspicious account activity on my BinanceUS account. Therefore, I manually executed the option to lock my BinanceUS account using the lock option on BinanceUS on XX/XX/2021. Later, I created a request ticket and sent BinanceUS the reason why I chose to manually lock my account. 

NOTE : My current BinanceUS account contains over XXXX of crypto to include BNB, ADA, VET, USDT, and USD. All funds remain available in the wallet prior to me manually locking my account. I read many posts about how BinanceUS claims to be backlogged with tickets. 

My first initial request ticket XXXX was made On XX/XX/2021, I made a request to have my XXXX XXXX to be removed from my account. BinanceUS required a selfie of me holding my driver license. I submitted the required document. XX/XX/2021 I got a response stating the following : " Thank you for contacting Binance.US customer support. 

First and foremost, I sincerely apologize for the delayed response! I can assure you that you have not been overlooked! We have had an influx in customer responses over the past few weeks, and although we are trying our best to keep up, it is taking us a bit longer than usual to respond. 

We have now escalated your inquiry to the appropriate team for further assistance, we appreciate your patience while your ticket is reviewed. 

Thank you, Customer Support Binance.US " BinanceUS never reset my XXXX XXXX 

XX/XX/2021, BinanceUS responded requiring me to submit a selfie containing a statement on paper, my ID, a written address, and utility bill containing my address. I submitted all documents on XX/XX/2021. 

XX/XX/2021, I notified BinanceUS to determine the delay for verifying all required documents and unlocking my account. I got no response. 

XX/XX/2021, I notified BinanceUS to determine the delay and got no response. 


Now, it has been 3 days and I have not received any confirmation/acknowledgements from BinanceUS that my submitted documents have gained approval towards unlocking my account to gain access back to all of my assets. 

I have over XXXX of assets sitting within my account that I have no access until BinanceUS responds and unlocks my account. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I contacted LVNV Funding LLC and informed them of the fraudulent account set-up using my stolen personal information and I did not owe and money to them as they claimed I owed XXXX. I explained to them, I have not worked or lived in the US since 2014 and it was impossible for me to open the account based on my proximity to the California. I work in the XXXX. I also explained to them that the address used under my name is a PO Box and not a physical address. My information was stolen several times from the PO Box in an effort to open fraudulent credit and bank accounts. This account is the result of such fraud. I have asked LVNV Funding LLC to remove the fraudulent account from their record, report it as such to the credit bureaus and original creditor and to send me a letter of apology. This demand is filed under the FCRA and my rights through the state of California, per my attorney, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I Paid my credit card ending in XXXX in full on XXXX in the amount of {$890.00}, the posted the interest charge after the payment so a balance of {$7.00} when unpaid for a month, when i realized this I called and they apologized updated the account as not being late and did not pay the late charge ; they said they were going to remove the misinformation from the credit report but never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 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: DC

Complaint narrative:
EQUIFAX, XXXX AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX EQUIFAX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO XXXX STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX XXXX AND EQUIFAX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX EQUIFAX AND XXXX TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/EQUIFAX/XXXX IN PROVING MY IDENTITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

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 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I suffered a complete loss of my property at XXXX XXXX XXXX XXXX XXXX, Ca. In XX/XX/XXXX my insurance company, XXXX XXXX, paid {$280000.00}, endorsed to me and my mortgage company, Roundpoint Mortgage. Of this amount, {$150000.00} XXXX is being held by Roundpoint Mortgage in a restricted escrow account. An additional check was received from XXXX and sent for endorsement to Roundpoint. I called today to discuss timelines for reimbursement, as Roundpoint is already holding an amount exceeding my loan obligation. During the call I learned that the restricted escrow account, which has contained {$150000.00} since XX/XX/XXXX is not an interest bearing account. During the time Roundpoint has held these funds, exceeding my mortgage balance, I have continued to be charged interest on my mortgage. Roundpoint states they are not required to pay interest to me, however, for the funds being held while I am rebuilding my home. It is my understanding that in California, where the property is located and where the mortgage was executed, it is required that money held mortgage escrow accounts must be accruing interest. Today I engaged in more than a half hour of debate with Roundpoint before they finally agreed to release the proceeds being held in excess of my mortgage, in the amount of {$64000.00}. Roundpoint, if doing business in California, should be held accountable for complying with California laws. I should receive interest, compounding from the day the funds were deposited in to this restricted escrow account. I may be reached at XXXX or XXXX. 

Thank you, 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 2021-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
As of XX/XX/XXXX I've made several attempts to resolve the issues with this auto loan w/ Santander Consumers U.S.A. I have also made many payments totaling at least {$19000.00} towards this auto financing acquired w/ Santander Consumer U.S.A , which does not do refinancing of their predatory auto loans. This Loan started on XXXX XXXX for a USED XXXX XXXX purchased at a XXXX Dealership with me paying a {$5000.00} as down payment w/ a monthly payment of {$630.00} w/ a 26.9 % annual interest rate. On XX/XX/XXXX I had spoken with 3 representatives in their Escalation Service Dept. and every single one fails to allocate payments correctly towards the principal amount of the auto loan. I have all the details of this communication and h this was one of the many calls made to Santander Consumer U.S.A. This bank also fails to accurately report my payments to the 3 credit agency, which by reporting inaccurate information has prevented me from being able to refinance this predatory auto loan with another bank fro a lower rate. And another problem with Santander Consumer USA is that even while making payments on time with the 30 days of the month in which the payment is due Santander COnsumers U.S.A collection department keeps calling my telephone number with " ROBO CALLS '' for collection and collection calls. Now they have been sending e-mails stating that they don't have my correct telephone number, which is a lie from their behalf as the automated system always verify and recognize my telephone number when I call every month to make an ACH/debit card payment over the telephone. Please Help as this is " highway robbery '' to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  ( XXXX XXXX XXXX ) Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Showing old accounts over 7-10 yrs closed and credit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Showing old accounts over 7-10 yrs closed and XXXXredit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non 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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My bank which is Wells Fargo RESTRICTS me from using my debit card outside of my area and out of state this is the first bank Ive ever been with that restricts there customers from using there debit card out of there area or out of state Ive been fighting with them for the last couple of months and have gotten no answers all Im being told its there card they own it and thats why they are doing it Yes they may own the card but they DO NOT OWN MY MONEY!!! Ive filed a complaint with the OCC and have not heard nothing from them so Im coming to you for help.. I am a XXXX XXXX and I cross all XXXX states I shouldnt have to be worrying about being able to use my card without being declined because Im out of XXXX. this is wrong!!! As fars as Im concerned its Harassment.. I feel like They are controlling where and when I spend my money again this is not right and as fars as Im concerned illegal .. They need to stop harassing me and stopping me from using my card where I want too they want me to do a travel plan and Ive told them its very difficult for me to do that considering what I do for work..

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