vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
I set up an account with Binance.US earlier this year, shortly thereafter I decided that I would not be needing to use this exchange, so I removed the Binance 2FA from XXXX Authenticator. At the end of XXXX I transferred cryptocurrency ( VET ) to XXXX XXXX on my phone, with the intention of moving the currency to my XXXX account in a week or two. However I did not know at the time that the XXXX XXXX XXXX uses their own cryptocurrency for network fees ( gas fees ) called XXXX. The only place I can buy XXXX is Binance.US. I have asked them repeatedly to reset my 2FA method which will allow me to login and purchase XXXX, at the time of this writing I have about {$1500.00} in VET that I can not access because Binance.US customer support is completely unresponsive. They asked me for information 6 days ago, I sent them the requested info to verify my identity, a short video requesting that my 2FA be reset, a picture of my DL, front and back, as well as a picture of me holding my driver 's license. Still nothing, thank you in advance for any help with this, I just wanted to call out Binance for their spectacularly poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
MERC ADJ BUR is claiming that I owe them {$950.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I got my stimulas check it says I can put it on my account but won't let me I'm far away from any banks but need the money what good does it do to lie to me saying I can deposit it when I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: GA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX is claiming that I owe them {$250.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
Thank you for allowing us to voice our complaints! 

I recently got mortgages refi with Loan Depot. In XXXX I was informed that my loans were transferred to New Jersey and new loan numbers/accounts were created. On XX/XX/XXXX, I called their customer service representative name : XXXX XXXX ) and learned that given the transfer, there is a 60 days plus the regular 15 days grace period to make the payment. 

I then made my loan payments in XXXX that covered both XXXX and XXXX due. And as expected, in the following month statements, there is no late fees or penalties applied since my payments were within the grace period. However, in late XXXX I found out that Loan depot reported my loan accounts as delinquent by indicating that I was late to make my payment for XXXX this resulted a 100 points drop of my credit score!!! I made many phone calls trying to address this issue and it has been extremely difficult to get any help. Multiple people including the supervisors gave me different versions of story. One guy didnt even know that there is a 60 days grace period. They told that there was nothing wrong with my account as no record shows that there was payment late. Nevertheless, they reported to the credit bureaus. 
Its very disappointing to deal with incompetent, unprofessional people who got the consumers credit messed up and deny their misconduct. They were asking me to contact the credit bureaus to dispute while they act like they have nothing to do with this disaster. 
Who has granted their power to manipulate consumers credit report, to be so rude and irresponsible? I told the supervisor that I XXXX have to report to XXXX and other authorities. She couldnt be more indifferent and told me if you wanted to, go ahead. 
Im absolutely shocked by how they treated customers and how low their service standards are. Yet in the endless Phone call holding period, the recorded voice keeps saying : Thank you for calling Loandepot, where customer care is the most important. What an irony!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: KY

Complaint narrative:
Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.

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 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
My account was restricted for reasons only known to coinbase, Ive banned from sending and recieving crypto on coinbase, wasnt even allow to make new deposit or withdraw ... the only given option was to withdraw my funds from the coinbase via my linked bank account. My linked bank account is no longer active which means I might need to link another bank account to coinbase before I could make a withdraw. Ive been restricted from doing this aswell ( Im not allowed to link a new bank account ) coinbase has been holding my money hostage since 2020. My investment plan was ruined last year. Now I cant even take out what I have left in the account which is a total of {$21000.00}. Im sick and Im tired of this. 

Sent an email to coinbase on XXXX of XXXX and I got the response that my case has been transferred to a specialist. Nothing else has been do by coinbase ever since My email is XXXX Amount left in coinbase is {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: EAST WEST BANK

Complaint narrative:
On XX/XX/2020, I transferred money from XXXX XXXX XXXX to a friend account of East West Bank, which was XXXX USD, but because my friend gave the wrong account, that account has been deleted, causing the remittance to fail, but the XXXX account money has been deducted. 
So XXXX implemented a transfer recall operation, but until today it has not successfully returned a refund. People from XXXX 's transfer department said that East West Bank sent them more than 10 telegrams without refund. 

The following is the transfer information : From Account : XXXX ( XXXX ) To Account : XXXX ( XXXX ) To Name : XXXX XXXX Information from XXXX Transfer Department : XXXX no. ( U.S. wire transfer number ) : XXXX The number of the wire transfer provided by XXXX ( intermediary bank ) to the beneficiary bank : 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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This is ridiculous! Can someone please help me, I am being taken advantage of! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I started XXXX XXXX in XXXX Illinois in 2007 I only did XXXX because my children grandparents got very sick so I never return next thing I no I was getting billed every month which I havent attended when I started filling out paperwork I thought it was for financial aid from the government all along it was from a third party loan which I expressed to them I have a job I can pay my way the young lady told me the paperwork I was filling out was not a loan and then all of a sudden Im getting bills I never received a school check from them I never received anything and I feel that was wrong and not fair because this been on my report for 14yrs now I cant establish any credit for my XXXX at all because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Problem with personal statement of dispute
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. BSI is the people that sent the negative credit report.

1. BSI Financial Services 2. XXXX XXXX XXXX 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again bsi financial is the company that reported it I havent really getting much help on this from none of the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX, my father 's name was XXXX XXXX XXXX, both of us applied for loans under XXXX XXXX XXXX. My father passed away XX/XX/2021. Synchrony bank has now reported me being deceased on my credit report under a Lowes card and a Belk card. I am trying to make a large purchase for which I need a loan. They are refusing to update the information as I am very much alive. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Problem with personal statement of dispute
Company: ATLANTIC HOME LOANS INC.
State: FL

Complaint narrative:
they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. Atlantic home loans 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. PHH mortgage I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted PHH and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: ME

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
This is to let you know that I applied for credit and saw a collection on my credit report from Waypoint Resource Group. I have disputed their claim. I never received any notice within 5 days of the initial communication with the consumer ( me ), which is a violation of 15 USC 1692g ( b ). They failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received a call from XXXX was told I must call XXXX this is XXXX XXXX. If I do not pay the amount of XXXX $ a technitian is outside to disconnect my elcetricity. 
The company asked me to pay only with XXXX because I need to pay immidiately the money. I did on XX/XX/XXXX via my account in Chase. Subsequently, the scammer asked for another {$850.00} when I realized that I was scammed. I contacted Chase, since the fund went to another Chase but they said they can not do anything about it. I contacted XXXX and the same was said. Please note, I am XXXX years old and just came out of the hospital from a XXXX XXXX XXXX XXXX XXXX when this issue happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NV

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$240.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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