vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2021 Opened Account at Binance.US. After completing " Basic Verification '' steps I was allowed to deposit Cryptocurrencies ( digital assets ) and start trading. Over the next few months I transferred approx XXXX dollars worth of digital assets from my XXXX and XXXX accounts into Binance.US and traded for other assets. 

XX/XX/2021 I noticed one of my limit orders didn't execute when it should have. I found that I couldn't execute any trades or withdrawals, my account was locked out. I found that now Binance.US wanted me to complete " Advanced Verification '' steps. 1st step was to take pictures of my drivers license and use facial recognition software to identify myself. I completed step 1 and it was approved. 2nd step was to upload a proof of address document ( bank statement, utility bill, etc ). I downloaded the most recent statements from my service providers and sent them to Binance.US in the requested PDF format ( this was the format I downloaded them as and they were not altered ). I sent a total of 4 documents that complied with the requirements, each was rejected for reasons : " incomplete address '' or " OCR error ''. I filed a support ticket and received an automated response asking to explain problem. 

My response : " I have sent 4 pdf documents that comply with requested standards, all documents have the same address, which is my current address. The address matching system clearly is not functioning properly, as I have found many other people complaining about this problem on internet forums and social media sites. Please help to solve this problem quickly, because I use a short term trading strategy and am loosing money by not being able to change my positions. '' XX/XX/2021 I have received no response to this message and have found no other way to contact them. 

My main source of information on others having similar problems was : XXXX XXXX XXXX/r/BinanceUSclassaction/ Some people have been waiting for over 3 months with nothing but automated responses. Others have been able to complete the step I am working on, only to be asked to do additional ridiculous stunts like take a video of themselves holding a hand written sign stating " Please reactivate my account '' and saying it as well. Binance.US appears to be making a mockery of their customers while they hold their assets hostage. 

XX/XX/2021 My current account balance is approx XXXX dollars worth of cash and digital assets, I'm worried that I might loose a large amount of this if I can't change my positions, or possibly never have access to it again. I'm also worried, if this is how they treat their customers, what might they do with all the personal information I have sent them. 

I have recently learned that a new CEO was appointed, hopefully he will fix these problems, because I really enjoyed using this platform, before I was locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I got SIM hacked on Monday XX/XX/XXXX, ie Hackers took over my phone temporarily via sim transfer and my gmail permanently. After I got my phone number back from XXXX I instantly tried locking my account on Coinbase when I couldn't get in, I finally found a phone number where you can do that, even though it's just a bot. I also wrote an email to coinbase support and they only responded with a generic email about security and mentioned reinstalling the account via email ( which just had been hacked and is still compromised!?! ). 
I have not received any updates if the hackers were successful in transferring any crypto out ( I ; m afraid so ) or if they are locked out or what the actual damage is, etc. And I read in many forums like XXXX that CB often takes their sweet time to respond, up to weeks and months! How is that possible for such a big company with a huge IPO to ignore their customer safety this badly? This contributes to the bad image crypto has as enabling criminals. 

XXXX also is rather sketchy in allowing the sim swap and said they won't reveal the findings of their internal research to me, ie where was the sim swapped, in store, online, etc. There have been many reports of insider jobs at carriers like XXXX  and XXXX, and a long history of sim swap hacks that they should guard themselves and their customers better. It's way too easy.

Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an AARP credit card since XXXX, it was in good standing. In XXXX Chase cancelled my AARP c/c & " Lied '' to me that Chase no longer issues AARP credit cards. My AARP c/c had $ XXXX limit, which I always paid off on time ; I had a " always paid on time '' reported on all credit agencies ... enclosed a copy of XXXX XXXXn XXXX ) I had originally 3 credit cards that none where from Chase, but Chase bought them all out and now I have only 2 Chase Cards instead of 3 -IF they had given me the AARP Card. I went into Chase Bank in XXXX XXXX XXXX and ask about the AARP card not being issued to me & they said that they don't have any AARP Chase C/C anymore. I went online to see if they no longer issued AARP Credit Cards and 'there was a AARP Credit Card with all the other Chase Cards that they issue!! '' I had to " LOSE '' some of my credit ratings due to Chase deliberately closing my AARP Credit Card that was worth {$5000.00} & I always paid it off in full when bill came due!! 

ALSO, my Chase Freedom Credit Card 's minimum payment has been flucutating up & down ; instead of constantly going down every month because I have always paid at least the minimum?? ( enclosed XXXX different Chase Freedom Credit Card bills showing higher and then lower and then higher amounts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Respected Officials, I dialed the Bank of America credit card support line as I am in XXXX now, to pay balances. 

I was given wrong information saying there was a pending charge of XXXX . 

I would like to know the reason behind discrepancy Current Balance of - {$13.00} Now Viewing Current Statement All Transactions Types Pending XXXX XXXX XXXX {$10.00} - {$3.00} XX/XX/2021 Automated Phone Payment-Thank You - {$14.00} - {$13.00} XX/XX/2021 XXXX XXXX {$4.00} {$0.00} XX/XX/2021 Automated Phone Payment-Thank You - {$8.00} - Call was made on XX/XX/2021 at around XXXX XXXX  IST and payment was scheduled. 

Please see email confirmation Bank of America XXXX XXXX Show more XX/XX/XXXX at XXXX XXXX Load blocked images Bank of America ( R ) Hi, XXXX, thanks for setting up your phone payment with our automated telephone service on XX/XX/2021 Credit Card ending in XXXX Your tracking number is XXXX Your payment of {$14.00} has been received and will apply to your credit card account. This payment remains effective as of the date of your call or your requested posting date. Please note, it may take up to 2 business days for your payment to be reflected in your account history.

If you didn't make this request, please call us right away, 24 hours a day, 7 days a week : Inside the U.S., call XXXX Outside the U.S., call XXXX Thank you for being our customer.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MN

Complaint narrative:
After opening an account with Binance about 2 months before making this complaint, I made a deposit with my debit card on XX/XX/XXXX. I was unable to use the funds deposited into their Mobil app from XX/XX/XXXX to present day. I have sent four support inquiries that have not been substantively answered. Rather, Binance both restricted my trading after receiving verified funds and blocked my ability to withdraw the funds. ( My attempts to withdraw started I received a message withdrawal suspended due to fraud risk. ) Between Binances fees, pennies they make on millisecond trade delays across ALL accounts ; and freezing small investor funds, this company has created the blueprint to making money off the backs of less savvy customers. This can not go unchecked. In my last email to them I advised that I intend to bring a federal action. I have forwarded this information to the appropriate persons in the Senate and ask the CFPB to either monitor the activities of this organization pending Congressional inquiry or discuss with myself and other law students our being fleeced and bring a CFPB investigaton. There are too many millennials trading on Binance for CFPB to not act.

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 — Banking errors
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This complaint is towards paypal, On XX/XX/XXXX I was arrested and was incarcerated until XX/XX/XXXX when I was released I was trying to log in to my pay pal cause I know my department of labor benefits was deposited on there when try doing so I couldnt I call pay pal and they said my account is lock due to collections I was confused because I was supposed to have XXXX in my account I try to explain to them the story they pass me around to two department one department wich is collection telling to contact limitations and limitations tell me to contact collections then it was they was going to put in an report for me and then I aint here from them in couple days so call them some one told me after 180 days I cant file a dispute so if something happen in your life cause we all aint perfect but u dont have access to it and someone take over unauthorized and use all your money u cant file a dispute I feel like thats not fair I even had the officer that file my report call them and he said they aint help him or told him nothing so I ask if I could send in documents they said no that I got ta pay XXXX dollars why should I pay when I didnt have control of my account cause I was in jail I just need someone to help me on what to do to retrieve my money back I already contacted department of labor and they said contact your bank and nobody tryna to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX Rmp, Llc placed a collection account for the amount of {$110.00} with a XXXX as well as XXXX and XXXX. Stating the original creditor was emergency specialist B. I have received a XXXX insurance benefit since XXXX due to a total and permanent XXXX. Both my medicare and medicaid insurance premiums cover 100 % of the cost attributed to emergency services. I have disputed this with XXXX XXXX and XXXX but the account remains. I am not liable for this account as it already has been paid for by insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
These are my deposits to my card from XXXX but Bank of America says my card is closed. 
XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 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 2021-05-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a Citizen of XXXX XXXX XXXX XXXX frequently visiting the U.S. especially the XXXX area ( XXXX XXXX  XXXX-XXXX-XXXX ). When I was in the U.S. in XXXX XXXX I opened my Bank of America bank account and operated it for almost 1 year and six months from XXXX to XXXX. When Bank of America forced closed my bank account on XX/XX/XXXX due to inactivity reason. After happening this I contacted the bank several times and given multiple phone numbers while spoken to several Bank officials in the U.S. from XXXX. I am now in XXXX and I have an urgent need to re-open my bank account and expect a wire transfer for XXXX XXXX XXXX of my proposed U.S. Start-up venture. 

I am asking for the Bank to EMERGENCY RE-ACTIVATION MY FORCED CLOSED BANK ACCOUNT to make this thing done. Among the phone numbers that I was given to contact the bank are these below : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and last [ ( XXXX ) XXXX XXXX XXXX, Bank Lawyer for Customers ] all these numbers I made calls didn't make positive outcome. 

Kindly please let me know the charges and what are requirements of information needed for this matter to resolve it.

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 monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I still haven't received the payments or the card for the payments from when the pandemic start - XX/XX/XXXX, I'm still trying to get my back pay

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

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