vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
This is concerning a crypto currency transaction. I sent XXXX BNB from my XXXX XXXX to my Binance.US wallet on XX/XX/2021. I forgot to include the tag/memo ( XXXX ) so the XXXX was never credited to my wallet. I have submitted multiple support tickets with no response. On the Binance.US site it states that if I submit a support ticket that they can fix the missing tag/memo error and credit the XXXX to my digital wallet but they have not done so nor have they replied to any of my requests to do so. The value of missing the XXXX is currently over {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We moved to Florida 3 years ago. Weve banked with a local bank, XXXX for over 10 years. They are in XXXX and have no branches in Florida. In XXXX I opened an account with fifth third hoping to transfer my banking to them. I have written multiple checks from the XXXX account into the fifth third account, one for {$4000.00} and one for {$5000.00}. Neither of those were held and the funds were available the next day. Over this past weekend I deposited a check for {$4000.00} as Ive done in the past and wrote a check for our rent on Monday for {$3200.00}. I noticed on Tuesday that the funds from the deposit were not available. I contacted fifth third and they told me they were on hold until XX/XX/XXXX! 10 days! They didnt notify me in any way. I called my local branch and spoke with XXXX. She said she would contact them and for me to send her copies of the canceled checks from the previous deposits. Not only did I send her those but I also sent her a snapshot of my XXXX bank statement showing that the {$4000.00} check from the weekend had already cleared my XXXX account. I also chatted with fifth third who arrogantly told me that the funds would be available XX/XX/XXXX and theres nothing that I could do. In addition, XXXX told me the same thing. They put the {$4000.00} deposit on hold with NO notification. They had not notified me, they had not alerted me in my online app, they had not emailed me, nothing. No communication at all that they were holding my {$4000.00} deposit from my personal account in XXXX to them for 10 days! They just put the funds on hold. So on Tuesday I sold stock in my investment account, took a capital game, and wired the money into the fifth third account. Subsequently they charge me a {$15.00} wire fee and bounced the {$3200.00} check! This was done on purpose as I have a 24 hour negative balance correction policy. These are the most arrogant people Ive ever dealt with. They were zero help in my funds as of tonight are still on hold. I left a message for a manager at fifth third today who didnt even give me the courtesy of a returned call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX of inquiry : XX/XX/XXXX 14. XXXX XXXX of inquiry : XX/XX/XXXX 15. XXXX XXXX  Date of inquiry : XX/XX/XXXX 16. XXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX F Date of inquiry : XX/XX/XXXX 22. XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. XXXX XXXX Date of inquiry : XX/XX/XXXX 24. XXXX Date of inquiry : XX/XX/XXXX 25. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, XXXX, and Equifax have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, Experian, and XXXX  have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police 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 non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I got an alert on my XXXX credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! 

The accounts in question that are falsely reported on my XXXX Credit Report are listed below. No original loan docs have been supplied and the Original Lender listed as Educational Loans is not a company at all. Please advise. 4 accounts totaling {$110000.00} All accounts start with the following number sequence. 

Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/21 AMEX changed the settings of my autopay to turn it off. They did not notify me of this change in the way the regularly notify me of changes in my autopay settings. On XX/XX/21 I was charged interested of {$120.00} on my account because my autopay was turned off without my knowledge and I was not sufficiently notified. 

I was send an email on XX/XX/XXXX with the title of " We were unable to complete your AutoPay payment '' and a section that said " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' After talking with a supervisor via chat on XX/XX/21 reference of COMPLAINT CASE ( XXXX ) I was told that my autopay settings were turned off as of XX/XX/21. This was because my bank account was frozen. Once I received the email I paid immediately, but since I was never notified that my autopay settings were turned off I did not turn them on. I even chatted with a customer representative at that time and they did not notify me that my autopay settings were turned off. As a result the interest charged to me on XX/XX/21 was only as a result of AMEX changing my settings without notifying me. I gave my consent for them to take the payment by turning on autopay initially, but they are charging me interest since they decided not to remove the money from my account by turning it off and not notifying me sufficiently. 

In my chat with them on XX/XX/21 the supervisor claims that the statement in the email on XX/XX/XXXX which reads " This may affect your scheduled payments and enrollment in payment programs such as AutoPay. '' which follows the statement " Unfortunately, we weren't able to complete your scheduled AutoPay payment because your bank account information is out of date. '' was meant to serve as a notification that my autopay was turned off 5 days prior on XX/XX/21. AMEX specifically has other emails they send whenever my settings for autopay change and this is nothing like those. Also other credit card companies instantly resumed my autopay after my bank account was reconfirmed with another payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
( 1 ) I am an African-American citizen residing in XXXX XXXX, PA. 

( 2 ) I executed a HELOC mortgage loan contract with XXXX  XXXX XXXX on XX/XX/XXXX. The original HELOC contract has never been modified and the terms and conditions of the HELOC contract do not specify any " balloon payment ''. 

( 3 ) I received a letter dated XX/XX/XXXX stating that the ownership of my HELOC loan had been transferred from XXXX XXXX XXXX to an organization named " Towd Point Master Funding Trust XXXX ''. The XX/XX/XXXX letter states ( in part ) : " The assignment, sale or transfer of your mortgage loan does not affect any term or condition of your Mortgage, Deed of Trust or Note. '' ( 4 ) I received a letter dated XX/XX/XXXX stating that the servicing of my HELOC loan had been transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " SPS '' ) effective XX/XX/XXXX. The XX/XX/XXXX letter states ( in part ) " [ n ] othing else about your mortgage account will change '' and " [ t ] he assignment, sale or transfer of the servicing of the mortgage account does not affect any term or condition of the mortgage instrument, other than the terms directly related to the servicing of your mortgage account. '' ( 5 ) On or about XX/XX/XXXX, I received a final written monthly statement from XXXX XXXX XXXX stating the current HELOC balance due was {$79000.00}. The final XXXX  XXXX XXXX XXXX statement covers the billing cycle XX/XX/XXXX thru XX/XX/XXXX. 

( 6 ) On or about XX/XX/XXXX, I received an initial HELOC statement ( dated XX/XX/XXXX ) from SPS stating the current HELOC balance due was {$86000.00}, including a " balloon payment '' of {$8300.00}. This initial SPS HELOC statement characterized the new balloon payment as follows : " The Outstanding Principal balance includes the Interest Bearing Principal balance and the Deferred Principal balance. The Deferred Principal balance is not subject to the charged interest rate and will be due as a final balloon payment on the earlier of ( a ) payoff of the Interest Bearing Principal balance, or ( b ) maturity date of the mortgage loan. '' ( 7 ) Towd Point Master Funding Trust and SPS have unilaterally and unlawfully modified my original HELOC contract and added a new {$8300.00} balloon payment to my HELOC contract. I have included the preceding twenty-five ( 25 ) XXXX  XXXX XXXX monthly statements as evidence that this balloon payment did not exist until after Towd Point Master Funding Trust XXXX and SPS acquired my HELOC contract. 

( 8 ) I request that Towd Point Master Funding Trust and SPS ( 1 ) immediately cease and desist their efforts to collect the illegal {$8300.00} balloon payment and ( 2 ) notify the Pennsylvania Attorney General and all credit reporting agencies regarding its unlawful collection efforts in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RECOVERY # XXXX is reporting late payments with the 3 CRA .

I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed a credit card on my account summary that was not my credit card. I filed a dispute but the charge remains the same when I had no acknowledgment of the account, and it is not mine.

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 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield debt collection added to my credit report false information. They listed I owe {$520.00} to XXXX XXXX XXXX The apartments never gave me back my security deposit after contacting them several times. A XXXX day notice was given to the XXXX, XXXX, I was leaving because of noise complaints they never resolved. He agreed. I have the original email from him. The apartments have my address and my mail was forwarded. I never got a notice ( certified mail by law in XXXX ) that they were keeping my deposit. All of a sudden, a {$520.00} collection is put on my credit report. No phone calls and no letters. I want the agency to pay for damages of my credit dropping XXXX points and not following the law. I want to be compensated now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I had signed up with a debt consolidation company back in XXXX. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company ( XXXX XXXX ). They are no longer in business and one of the owners of the company is in jail. I am trying to get Wells Fargo and XXXX off my credit 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 non-monetary relief
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$9000.00} -This is not my account. 


XXXX. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are small business owners. My husband and I share a Wells Fargo business checking account. I can not get an online access setup even after calling the XXXX customer service department several times, while my husband has no problem getting his online account set up with their help. We both have very high credit scores and work at the same company. They could not tell me why they couldn't help me and I felt I was discriminated against the way they treated me. After spending hours talking with different people and being transferred to more people. At the end. I gave up. Since my husband 's on-line access is working, I am fine without the online access, I thought. That is until today, when I received a cashier 's check in mail from Wells Fargo, They decided to close our bank account without our consent, explanation, nor prior notification. This resulted in disruption and loss of money since we could not receive our monthly payment to the account. We have never requested to close the account. The over {$2000.00} cashier check we received does not have our names on it. They can not deposit to our personal bank account. We lost money because XXXX illegal activity. 

We would like CFPB to investigate Wells Fargo 's and help us recover the fund we have loss due to XXXX 's wrong doing. 

Thanks

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 2021-05-06 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: MD

Complaint narrative:
These credit reporting agencies are using these excuses to stall deleting the erroneous information on my accounts. 

On XX/XX/XXXX of this year, I mailed letters showing the erroneous reports. 
On XX/XX/XXXX, I sent information to CFPB to show that all XXXX cra 's had taken XXXX months and still not responded. 
On XX/XX/XXXX they have yet to delete these erroneous items on my report. THIS IS RIDICULOUS. Below is their latest stalling tactic. 

This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 CFPB XXXX ( XXXX ) XXXX consumerfinance.gov This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021

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