vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: NJ

Complaint narrative:
- I have been using BinanceUS exchange for over a year - On XX/XX/2021 I completed the advanced identity verification process and received positive confirmation via email from Binance US. 
- On XX/XX/XXXX, my ability to trade and withdraw my funds XXXX tens of thousands ) was frozen. Binance claimed I needed to verify my identity to regain access, which I already did on XX/XX/XXXX. However, I was not able to resubmit my identity verification request because the system knew that I had already done this. So basically, it was asking me to verify my identity without giving me an option to actually do this - On XX/XX/XXXX, I raised a ticket to notify Binance of this issue. I was told I would hear back within 15 days. 
- After 15 days, the Binance US website states to fill out another form to let them know you are still pending a response. I filled out this form and received no response. 
- On XX/XX/XXXX I tweeted at the Binance US help desk. I received a response from them stating that I would receive an email from support. 
- On XX/XX/XXXX I received an email stating " This particular issue is due to a recent verification update and we are currently working to resolve the discrepancy. I have escalated your issue to our onboarding department for manual review and will be sure to reach out to you as soon as we hear back. '' - I have followed up multiple times since this email but I have not received any additional information or communication - I need access to these funds to pay bills and fund my daily activities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Domestic wire transfer of {$14000.00} sent from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX at Chase bank. According to chase, they returned the wire on XX/XX/XXXX at XXXX because recipients account could not receive wires. XXXX ran a trace and shows Chase received the money. I can not get a straightforward answer from chase as to where the money is and why it hasnt been received by XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third Bank has reported me to XXXX for check fraud back in XX/XX/2017 and they are saying information is accurate. Ive sent over documents showing them that Ive made multiple identity theft reports because some use fraudulently used my information and opened this account online. I have made disputes with XXXX as well and i still got nothing. My current financial institution has placed a restriction on my account due to this matter. I have never had this bank and never opened an account with these guys and because of this i have no access to my funds in my current bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Where to begin? This mortgage company is a nightmare from start to finish with NO interdepartmental communication. 
We went through the loss mitigation process with them and it was an experience I wouldn't wish on anyone else. We had to submit and re-submit documents several times because the Loss Mitigation Dept would receive something but not make it known to the Lending Department. The entire process took MONTHS and we had to call SEVERAL times for updates and to ensure that everything was still being processed as expected and we almost always got conflicting information. We signed our documents in XXXX, did not receive the new contracts until XXXX and the process wasn't actually finalized until XXXX! 
In the meantime, two major hurricanes effected our area. Our insurance company was a breeze and had an inspector out to our location within a week and we had a check for the repairs before the month ended. 
Cut to the next nightmare with Freedom Mortgage. We were told to sign and submit our insurance check so that they could issue the funds as the repairs were made. Again, lack of communication as we were not told anything additional. WE had to call SEVERAL representatives until finally we were told the remaining steps of submitting the repair affidavit, etc. We were told the use the website insuranceclaimcheck.com to manage our process and to request inspections to continue receiving repair funds. Without any regard for letting customers know, the website has suddenly stopped servicing the claims. Freedom Mortgage did not tell us a thing. I've called multiple times to see why our inspection has not been completed and each time it's conflicting information. One representative says we have an inspection for tomorrow but to call this XXXX number, another gives us a XXXX number to schedule an inspection, another says they need a W-9 and repair affidavit. It is quite possibly the most frustrating situation I've had the displeasure of dealing with. The hurricane hit almost a year ago and we are STILL trying to sort this all out.

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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
Very frustrated I contacted the bank today XX/XX/XXXX, its been past 10 business days I still havent heard anything my card was used in XXXX XXXX FL  I am a Pennsylvania resident this is beyond ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I was recently in an accident with possibly totaled Car on XX/XX/XXXX. 
I called XXXX to report the claim but they told me that I didnt have collision insurance. 

XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle. 

It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments. 

Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me. 

They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments. 

We are at the point now where I have a near totaled vehicle that is potentially not covered.

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 2021-05-10 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:
Unauthorized Credit Inquries on my Transunion credit report! I have attempted to have remove several times. Contacted companies they couldnt find inquirys contacted transunion and they were rude in wiling to help. 

Inquirys are as listed that I never authorized. 
1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXXXXXX XX/XX/XXXX 4. XXXX  XXXX XX/XX/XXXX 5. XXXX main XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-05-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I made a payment of {$1000.00} on my XXXX Visa account, which would have reduced my balance at the time to no more than $ XXXX. XXXX sent me an email message confirming my {$1000.00} deposit. My XXXX XXXX XXXX statement also indicated that {$1000.00} had been withdrawn from my checking account. Several days later, I checked my XXXX account and noticed that I had only been credited with {$110.00}, an amount I had never made. Since then, I have made numerous phone calls to XXXX and have been assured that the issue either : 1. Is being investigated ; 2. Is being corrected ; or 3. Has been corrected. However, the missing {$880.00} has never been applied to my account. A cursory check of my account by myself not only indicates that the missing amount has never been applied but that there may be additional errors. I have made numerous requests for an audit and have been assured repeatedly that I would receive it, but none has been forthcoming. In addition, XXXX declined payment on my card on numerous occasions, despite the fact that I have never been late making payments on my account. I have ceased using the XXXX card and have only been making minimum payments on the balance to avoid a late-payment notification to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXx XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT OVER 1 MONTH AGO FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES OR ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME.I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

SO I WOTE A LETTER On XX/XX/XXXX to Transunion. I NEVER RECEIVED A RESPONSE. I called multiple times but no one helped me. 

My letter was sent over 30 days and I have not received a response yet. it is by law according to the FCRA that these unauthorized hard inquiries be removed. 

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) The law states that If you are unable to verify the inquiries with the original contract, the information should be removed from my credit report within 30 days. 

Here are the unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-05-10 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: MS

Complaint narrative:
XXXX XXXX Bank online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX bank, and the collection agency they turned me over to XXXX XXXX XXXX XXXX to correct this fraud : requested copies of transactions and signatures, and disputed the reporting to my credit report. XXXX XXXX bank refuses to provide me with receipts of transactions. I spoke with XXXX XXXX a year or so ago and made them aware of the situation. The XXXX XXXX representative admitted the transactions all appeared to occur in another State where a card was sent. They were supposed to send me copies of transactions, but nothing was ever received. Now I am being sued for these charges. The hacking of XXXX XXXX online system has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I received a entry and judgement for a debit in the mail XX/XX/XXXX and i spoke with a gentleman and explain that this was not my debit and i was unaware of this action and i feel i shouldnt be held accountable for for this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi Sir/Madam, This is related to Target Credit Card XXXX. There was a statement that was generated on XXXX XX/XX/2021 for {$110.00}. I made the payment on XXXX XX/XX/2021. This company initiated the Auto Payment for the same amount on the XXXX of XX/XX/2021. They mentioned that the payment got returned for the wrong account number and not sharing what the account number was. If I have already made a statement balance paid how they can charge again for the same amount. They charged a fee of {$29.00} and said there is no provision to waive it off. I spoke to Supervisor also. They are not helpful. If their systems are not intelligent enough to see if a customer already made the payment of the statement and initiate the auto payment again, then it is not the customer 's fault. On top of that, they are not sharing the details. I have XXXX XXXX XXXX, while talking to them and explaining to them it is getting increased, and I don't want to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MS

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 2021-05-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Called each credit bureau and they still have wrong addresses and names

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.

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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was approved for a credit card XX/XX/2021. As of XX/XX/2021 I have not received the card. There is a 3 month promotion to get XXXX if I spend XXXX in 3 months. Now I have lost a month. 

THIS IS A BATI and Defrauds scheme. Reduce the time people have to act on a promotion so it is near impossible to qualify for the promotion. 

Citi would not take my lost card claim. They insist I wait. The is a criminal activity.

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 2021-05-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX I put a deposit for a front entry of {$5200.00} with XXXX XXXX XXXX in XXXX NJ. The merchant said the door will take approx 4 to 8 weeks to get installed. 
After numerous calls and discussions and delays the merchant said he can install door on approx XX/XX/XXXX. Merchant came to my home with supposedly my door but cracked the glass. Merchant stated it would take approx 2- 4 weeks to get new glass and the re install. After I called numerous times to see about status the owner could not not give me a date. After more calls and heated discussions for 2 months I decided that I needed to get a refund from credit card company Barclays Bank. I initiated dispute in writing on XXXX XXXX. The bank refunded my {$5200.00} on XX/XX/XXXX and the reinstated said charge on XXXX XXXX stating the owner / merchant proved his side of the case / How is that possible? I still have no door / the merchant never once contacted me about status of order or possibility of completing job! So, XXXX wants me to pay for a product in which I have NEVER received? If the owner / merchant refuses to communicate with customer how is this ever going to get resolved / But I'm out {$5200.00} dollars.

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