vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: NC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX 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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
I have XXXX credit cards with Citi and our banking relationship spans over 10 years. On XX/XX/XXXX, Citi closed all XXXX existing card accounts without warning. I did not receive any phone call, email or regular mail notifying me that this was happening. I discovered these closures by chance on XX/XX/XXXX, when I logged into the Citi mobile app. 

As a result of these closures, I am unable to re-open my accounts and I also have over XXXX Citi XXXX points that have been unfairly taken away from me. Citi phone reps have also told me that they are unable to re-open my accounts and therefore I will no longer have access my points. 

Upon further reading of the closure letter in-app, I am told that my accounts were closed as " Citi does not allow accounts to remain open with a mailing address outside the United States. '' This should have been an easy fix -- I still have a mailing address in the United States and can easily change this to keep my accounts open.

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
On the XXXX a of XX/XX/2021 I made a ACH deposit to XXXX app. The payment cleared though my bank and somehow the transaction became a pending purchase for XXXX $ worth of XXXX. I don't remember trying to purchase XXXX, however that's not the problem. It ok if that's not reversable, but whats not ok is never giving me anything and having it XXXX on pending still as of today the XXXX of XXXX. I submitted a ticket way over a week ago and they auto solved many of the ticket forcing me to create new ticket. I also reached out to them though the email and have now filed a complaint though the XXXX, sec. They finally responded with a automated response ... Not even reading my ticket saying it was fixed then closed the ticket again as of XXXX of XXXX. I check to see if the XXXX pending purchased that cleared my bank succeed and it's still pending as of XXXX of XXXX. Forcing me to yet again resubmit a ticket. I would charge back but im am stuck in a trade position. If I do my account will then be locked. They have done worst to others. Look them up on XXXX and XXXX XXXX of people are having issues with them and every week they are adding on hundreds of ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time Mercedes-Benz Financial Service provided yet Mercedes-Benz Benz Financial Service still reported XXXX  day delinquent on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
On the afternoon and evening of XX/XX/21 I reached out to my bank - Chase in regards to a scam that was happening to me in Real time. I spoke with the XXXX dept to let them know I was trying to purchase a pet traveling case using the Chase XXXX XXXX which pended. Due to this I received numerous calls from the fake company because they did not receive the money being asked for which was {$990.00}. The call was now to report the pending transaction as fraudulent and since the account was pending was in review, I needed it to be documented that I was requesting Chase to stop and decline the payment. XXXX states on their site it takes XXXX  days for a pending charge to clear. And I have a screen shot of the XXXX  payment pended from the Chase site. I was told since the review had not been done yet this request could be made. Later that evening Chase bank released my payment to the scammers and I got back on the phone with Chase and opened a fraud case. I have been in contact with Chase, my local police, the XXXX, the FTC, the FBI XXXX unit, XXXX themselves and placed a fraud alert on my credit. Chase decided on XX/XX/21 to credit me back the {$990.00} and then reverse their decision on XX/XX/21 with no reason. I have emails and paperwork on every step I took and not once was I reached out to during their investigation. Though I called every often to state I can submit paperwork to them, I was told to hold on to my paperwork as the case was pending. Now I have a negative {$990.00} in my account and these scammers skipped away with my money THOUGH I called Chase to stop the payment and decline the review and they said they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NC

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 2021-04-28 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need the account number changed.

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 2021-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time XXXX XXXX XXXX provided yet XXXX XXXX XXXX XXXX still reported XXXX  day delinquent on my account!

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 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time XXXX was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NC

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was always able to receive and send money via Paypal then suddenly I was asked to provide my bank statements and identification ( passport ), which I actually did provide. Later they limited ( I could not withdraw, send or receive funds ) my account for a period of 180 days which ended on XXXX XXXX. On XXXX XXXX at XXXX pm CAT I was sent an email that stated that I could withdraw my funds unfortunately, I am still unable to withdraw my funds. I really don't understand why I still can not withdraw my funds even after trying to reach out to Paypal support via email, inbox and even XXXX. I seek your help to look into this, this is the Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I used my checking account debit card ( ending in XXXX ) on the Binance.us website to transfer {$420.00} from my checking account to my Binance.us account ( Acct # XXXX ). Within a few hours, the transaction status on the Binance.us website changed from " Processing '' to " Failed, '' and my account balance on Binance.us did not reflect this deposit. However, on my checking account, I see the total amount of {$420.00} was deducted successfully with the description : " Withdrawal BUSINESS DEBIT / XXXX BINANCE.US XXXX NV Date XX/XX/XXXX XXXX XXXX  % % Card XXXX # XXXX. '' Knowing this was an error, I submitted a support ticket at https : //support.binance.us ( Support Ticket # XXXX ) on XX/XX/XXXX. Following my submission to Binance.us, I received an email confirmation stating my support ticket had been received. The email confirmation also said not to contact them again or open any additional support tickets as this may delay my request. 

On XX/XX/XXXX, I found a Binance support thread on XXXX called " Weekly Binance Support Thread. '' This thread seemed to be monitored by Binance staff, and some users were receiving limited support by posting their issues, so I posted my support ticket number and a brief description of my problem. Within a few hours, I received a response on that XXXX thread and an email from XXXX ( Bianace.us ) asking for additional information.

The email read : " Thanks for reaching out to Binance.US support. According to our records, this transaction indeed failed. I'll bring up the discrepancy with our payment processor. Could you please send screenshots of what you're seeing on your Binance.US account and your bank account? Once received, I'll have our payment processor settle the amount back to your account. '' I immediately replied to XXXX 's email with the requested information, attaching screenshots of my Binance.us account and my bank account showing the withdrawal transaction. 

To date, this issue is not resolved. My Binance.us account does not reflect my deposit of {$420.00}, although being withdrawn from my checking account. I have received no additional communication from Binance.us regarding my multiple support requests through various channels. 

As a resolution, I would either like my deposit returned to my original checking account or my deposit credited to my Binance.us account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CARVANT FINANCIAL LLC
State: NY

Complaint narrative:
In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time DMV was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent XXXX Started receiving calls from them end of a XX/XX/2021. They call approximately 2-4 times day. No voicemail is ever left. Some calls show as missed others show as incoming 4-6 seconds.. odd. I have no business with Convergent nor any credit report items found. Unknown contact

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 2021-04-28 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: MD

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has allowed erroneous charges to be negotiated against my account. Some are unauthorized some are duplicates. They refuse to resolve this issue. Duplicated payments are paid in days of succession of the authorization with the original charge deleted in transaction history, yet the amount still remains deducted. The merchant will then be allowed again to debit the account once more for the same transaction thus giving a duplicate payment. Paypal will intermittently block transaction from service industry merchants in particular hotels. When I inquired with them the reason for this, they explained that this was done due to wide spread fraud that were detecting with their accounts. Well the charges I am speaking of specifically are dealing with hotels. It's has happened at least three separate times that I've noticed. Either they're being breached or are complicit in this fraudulent activity in either case they are not protecting me as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I received a letter from a company I've never heard of. First things first .... I HAVE NO DEBTS ... WHATSOEVER!!!! These people are frauds and scammers!!! This collection letter states that I owe {$3700.00} ... I don't owe anybody anything!!!! What a sad world we live in, when we have criminals sending us fake letters, to hand over money that doesn't belong to them. I must admit they are getting pretty bold and desperate in this pandemic time period!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I opened a PayPal account on XXXX XX/XX/2021, and had my account limited, upon the registration, and according to the message that I saw on my PayPal dashboard, was that it was limited for fraudulent reasons, and I believe there's a huge mistake somewhere. 

I registered a business account with the right details, and also included my National ID number, which is : Name : XXXX XXXX XXXX XXXX ID : XXXX PayPal Email Account : XXXX I've never used PayPal business account before, though I have a PayPal Personal account, which is : Name : XXXX XXXX Email : XXXX And I didn't see the reason why my PayPal business account was limited. I was asked to submit an ID ( Identification Detail ) in order to lift my account, in which I submitted my national ID as a form of PDF. 

Then after some hours, I received a shocking message from PayPal that i can not use PayPal any longer. I'm still very shocked and depressed, because I didn't see any reason at all for this. If there was a reason, PayPal would've let me know or should let me know. I can't wait after 180 days according to the message that I received from PayPal. 

I am a merchant, affiliate marketer, blogger, and a XXXX. I really need a business PayPal account for receiving payments online. I do use XXXX, but I prefer PayPal to XXXX. 

Please PayPal, solve this issue the best way you can. Any problem, you can contact me on this email : Email : XXXX Because, I am 24/7 active on that email. Anyway, waiting for your response. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Fidelity National Information Services, Inc. (FNIS)
State: VI

Complaint narrative:
I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

XXXX XXXX still haven't send me a Paid in Full letter. XXXX still didn't update reporting agencies.

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 2021-04-28 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: FISERV FINXACT CORE
State: VI

Complaint narrative:
I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

TRS Recovery still haven't send me a Paid in Full letter. XXXX  still didn't update reporting agencies.

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 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I been fighting with them told them my account is not mine and asked for signed papers to show my signature they will not show them just sends other paperwork. I have also told them not to call my work number and not to call at all and they still do and harass me

Company response to consumer: Closed with non-monetary relief