vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The debt in question is for an account that was paid. I have proof that the debt was paid, receipts, confirmation and records from my bank account. 

The payment was made in XXXX of 2018 for XXXX XXXX. I don't know how or why this collection agency is trying to collect. The amount was paid for {$220.00}. 

The insurance policy is XXXX. I am not sure how they got a hold of my information, but this is being reported to my credit files and I need it DELETED ASAP as it affecting my approval rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing you to resolve a 10-month dispute with bank J.P. Morgan Chase XXXX started in XX/XX/2020 XXXX regarding a refund. 
I am a cardholder of Chase Sapphire Credit Card issued by J.P. Morgan Chase. In XX/XX/2020, a merchant refunded me {$3200.00}. I reached out to Chase Cardmember Services Department to request a check to be mailed to my home address. The representative advised me that the banks procedure is to send an email from Chase XXXX XXXX XXXX XXXX for me input my account information requesting an ACH deposit to the account that I desire. 
After 7 days of waiting for the email, I called Chase Cardmember Service to inquire about the status of the email. I was advised that the funds were already deposited into an account ending is XXXX XXXX attached letter from the bank ) on XX/XX/2020. I declared that this account is not mine and that I did not receive an email or requested the funds to be transferred to that account. 
Since XX/XX/2020, I have been trying to express to Chase Cardmember Services, Chase XXXX XXXX, Fraud Department, Recoveries Department, Chase XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Department, Identity Theft Department, Security Department, Customer Claims Department and 2 branch representatives ( XXXX XXXX, FL and XXXX, FL ) For detailed list of parties involved, see Annex A. 
On two occasions, I was able to have a Chase Cardmember Services supervisor speak with their counterpart at Chase XXXX to address the fact that XXXX received incorrect instructions/email address from Cardmember Services and that for this reason, someone else was able to obtain my funds. Even though this was verified on two recorded calls, I am still waiting for my funds and nobody has sent me my check with the refund. 

Should you have any questions, please do not hesitate to reach out. I look forward to cooperating with you on this matter. 
XXXX XXXX Chase XXXX Office XXXX Email : XXXX Supervisor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Chase XXXX XXXX XXXX XXXX Phone : XXXX Supervisor XXXX Analyst XXXX XXXX XXXX Customer Service XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX Missouri XXXX Supervisor XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX Identity Theft Department/Customer Claims Department ) Supervisor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Customer Service ) Supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc.
State: MN

Complaint narrative:
A debt collection company called XXXX XXXX XXXX d/b/a Springer Collections  has been repeatedly harassing me and my wife with phone calls. My wife & I used to get our lawn service from a local lawn company called XXXX XXXX XXXX that later went out of business. Before it went out of business, the business was taken over by new owners & the new owners billed us for lawn care we never received. We think at least one of the following two things has happened : ( 1 ) we were billed for services we never received & then got sent into bill collections to pay a debt for services that were never given AND/OR ( 2 ) we were confused with another person with the same last name who lives a few blocks away but the company was so chaotic before it went out of business that it sent the bill to us by mistake. We know that # 1 definitely did happen to us. I'm also wondering if # 2 happened to us, because upon the advice of an attorney, I checked my credit report & I found an address near my house that is neither my residence nor a property I own. ( The only real estate I own is my own residence. ) Bill collectors call incessantly and will not listen to reason when I state that the debt is not mine or my wife 's.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
paramount recovery system is a fraudulent account on my credit report and i tried to dispute this with XXXX  and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. XXXX XXXXs the only one given me trouble and its not just this account also XXXX XXXX XXXX, XXXX account XXXXthese accounts are identity theft and are fraudulent activity that i reported to XXXX  and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have XXXX  tell me that they are not going to remove it XXXX and XXXX  both removed it only XXXX  is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
This account has been closed for about a year. However, it is still showing on my credit report, which is negatively affecting my credit because it is still reporting information related to the loan and I no longer have this account. The account should no longer be seen on my credit report. The company sold my mortgage to another company without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was recently denied credit because of the frivolous information thats reporting on my file. I really dont understand why these items are reporting on my file and would like for them to be investigated and removed. They are as follow : 1. ) XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX. ) SANTANDER - ACCT # XXXX D.O.B. XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2020 Citi failed to withdraw money from my bank account for a credit card payment, and charged me a {$29.00} fee for returned check, as well as a {$0.00} minimum interest charge. I made the payment over the phone, providing Citi with my banking information that they already had on file. There was a mistake made by the agent in recording my bank account, thus payment failed. I quickly called them, and they agreed that a mistake had been made. I gave them the same bank account again ( the one they had on file for years ) - and they withdrew the payment. I asked to get the fee refunded and Citi agreed. 

Fast forward to 5 months later, the fee has not been returned, and I continued to get charged interest on the fee. I've made multiple calls, monthly, and each time an incompetent representative states that the fee will be refunded, but no money is returned. Rather a new interest charged gets tacked on. I have now paid off the full balance to prevent additional fraudulent interest being charged. 

I'm asking for a simple resolution, return my money to me including fraudulently charged interest.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today, for the 4th time over the past YEAR, I went onto TransUnion to ask them to add information that is missing, specifically, they are missing a current credit card I have with XXXX. Each and every time I go to the " dispute '' section, I get an error message that " sorry, our system is experiencing technical difficulties. '' In other words, I can NEVER get into the dispute section. 

Additionally, they have blocked out the last four digits of all my account numbers on my credit reports. These are my accounts. Why are they blocking information to confirm my own records? I suppose that's a rhetorical question as I SHOULD know what all my old credit card numbers are, but I don't and I want to see them to verify that email I receive is spam, scam or if I need to take security precautions because some scammer got hold of a real credit card number I used to use. 

So I have two disputes.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2021 I late for a credit card payment and when I had enough to pay on XX/XX/XXXX I submitted to pay but the computer took more than what it is programmed to do. custumer service represntatives said 2 days but more than two had passed but 4 days. XXXX Credit Card by Synchony

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to get my " free '' online credit report through XXXX for Equifax. I entered all my identity information correctly. Both times, I got several " challenge '' questions from Equifax and NONE of those challenge questions were valid. In other words, both times, out of four questions, they said something like, " Records indicate you opened an account in XX/XX/2019, which company was it with? '' I opened no accounts in 2019 AND none of the listed companies were companies I do business with at all. After I answered that it was none of them, Equifax then shunted me over to a XXXX  page to write all my identity-theft information onto a piece of paper and MAIL it to them. Now I know from doing this over a year ago, that they never respond. This is a transparent refusal to provide my " free '' credit report. If I signed up for a PAID account, they'd give it to me immediately. I'm not giving those XXXX a PENNY. Ever. And you're not making them give out reports. All three of these XXXX XXXX, Equifax, and XXXX XXXX set up obstacles. XXXX  always complains the website it down. XXXX  always tells you to call them and never answers. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
Party involved : Binance US BAM Trading Services, d/b/a Binance.US, is a separate entity from Binance XXXX XXXXXXXX XXXX XXXX XXXX Contact Information : BAM Trading Services Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California XXXX. 
XXXX XXXX XXXX No phone number available. 

I am reaching out because I have not received my wire transfer at XXXX XXXX XXXXXXXX - XXXX XXXX account. 
This transaction was initiated on XXXX XXXXXXXX, 2021 and in the past this sort of transaction has only taken a day. My attorney also spoke with XXXX XXXX XXXXXXXX on XXXX XXXXXX/XX/XXXX and they confirmed there were no incoming wires and that most likely it had gotten rejected, which means the money went back to Binance US. 

I also spoke with XXXX XXXX XXXX Third party custodial for Binance US ) and they directed me to Binance US. Given the lack of response, I've opened two tickets asking for an update as to when my funds will settle back into my Binance US account. 
According to their procedure found online ( https : XXXX ), funds will settle back within " two to three business days '' ; but in my case that has not happened. 

The total amount wire from Binance US  to XXXX XXXX XXXXXXXX was {$15000.00} XXXX. As of today, I have not received a single response from Binance US ( i.e. customer service or any of their employees ). 
All I am looking for is for Binance US to release my funds - they are holding them for no legal reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: DISCOVER BANK
State: AL

Complaint narrative:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
someone used my info to open something i'm not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from Experian and XXXX  even 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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My Equifax credit report stopped updating on XX/XX/21. It is showing no information after XX/XX/21. The report is blank. I called them and an agent tried for about and hour to solve the problem. It has been a week and no contact from Equifax to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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
State: AR

Complaint narrative:
Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, one day, when I was checking my paypal account, I saw NONE balance. Thus, I checked the paypal balance and I was shocked to see a transaction that posted by paypal, the note saysXXXX XXXX XXXXXXXX, paypal posting on XX/XX/2021 to paypal XXXX it is paid with paypal cash plus balance. well, paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not support me. The line is busy, and they can not tell me what exactly happened, cause the information the paypal agent who I spoke to can only access limited information about that payment transaction. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I had issues with the account setup and the holds to make money available that takes so XXXX long to become available and the fact I cant go to an atm to deposit money to my account. it has caused so much XXXX XXXX with transfers and holds to available to my account and even paying my credit cards are late!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is a XXXX  account on my credit report and i tried to dispute this with experian and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. experian is the only XXXX given me trouble and its not just this account also XXXX XXXX XXXX, XXXX XXXX XXXX.these accounts are identity theft and are fraudulent activity that i reported to experian and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have experian tell me that they are not going to remove it XXXX and XXXX both removed it only experian is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report 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 non-monetary relief
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on 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 explanation
Consumer complaint received 2021-04-12 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: AL

Complaint narrative:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.

Company response to consumer: Closed with explanation