vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I started a cryptocurrency account with Binance.US in XXXX making an ACH transfer for XXXX dollars total. My bank rejected the transfer causing a chargeback. I immediately fixed the chargeback adding XXXX dollars via debit and XXXX via XXXX making my balance XXXX dollars. Binance XXXX my account and is now holding my assets. I have been trying to access my assets for 2-3 months now but there is no support number. I emailed binance but they refuse to restore access to my account saying yes my chargeback back were paid but they cant allow me to withdraw or trade my assets unless i send them my bank statement, Account Number, Driver License My account is fully verified and i dont owe them any money. Giving them my Bank statement, account number, driver license make me vulnerable to Identify Theft. If my account is paid no chargebacks owed and i went through the verification process why are my assets inaccessible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global attempted to collect a debt that I allegedly owe. In doing that, Radius Global violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).

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 2021-07-24 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Had my wage garnishment for midland financial. Last payment was in XX/XX/2021. Credit bureau and midland.. wont take off the amount and label it was paid.. I also have the receipt. Credit bureau website will not let me load it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: Colony Brands, Inc.
State: TN

Complaint narrative:
Earlier this year I checked my credit profiles and noticed a XXXX XXXX credit card on there that was supposedly opened in XXXX. Ive never had a XXXX XXXX credit card. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I filed a lawsuit against XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX on XX/XX/2019. The Defendants, did not have a Multifamily dwelling license for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX Md XXXX ; ( Citation # XXXX and Amount of Fine {$500.00} ) and registration citation ( Citations # XXXX and Fine Amount {$100.00} ) Also, which should have prevented them from doing business in the District Court for XXXX XXXX, Maryland. They were never legally entitled to any money or to place Plaintiff, XXXX XXXX in the position to have a rent escrow action or furthermore any judgments due to renting an illegal apartment not up to code, amongst other misrepresentation. This company owes me and unfortunately I couldnt get a judgment in my favor as I represented myself Pro Se on a brief XXXX  meeting with the defendants lawyer and a judge during the pandemic, so I never got my demanded jury trial. The Defendants didnt counter sue and I was not served a judgement for {$9000.00}. I dont owe them anything. XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX Company sold this misrepresentation debt to Fair Collection and Outsourcing/FCO and failed to name ALL PARTIES INVOLVED. The CASE Number : XXXX CIVIL IN RE : XXXX XXXX vs XXXX XXXX XXXX, et al. has been reopened/active with no counter lawsuit. Furthermore, I am asking to cease and desist.

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 2021-07-24 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: PA

Complaint narrative:
Equifax, XXXX, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX-I reached out to XXXX XXXX to verify the inaccuracy of bankruptcies listed on my consumer report and I have not received any documentation to date from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I responded via certified letter to a letter I received from a collection agency in which I requested validation of the debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 6 pages ) was received and signed for by the collection agency. As of XX/XX/XXXX, more than 6 months later, I have not received a response from the collection agency, yet they continue to report to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and state laws. On XX/XX/XXXX, I sent a certified letter to the credit bureaus asking that they remove said invalidated account from my credit profile. I received an updated credit report from XXXX  dated XX/XX/XXXX that showed the account was still being reported. These violations has caused me harm and must be remedied immediately. Kindly help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
To whom it may concern, Americollect INC. in XXXX, WI is the debt collection company saying that I owe them a debt. I only know that this company collects a debt, but dont know anything else about them. As I was checking my credit report it says Im in collections with this company. 

I sent them a letter requesting anything that attaches me to this company to verify that the debt belongs to me on XX/XX/2021. In addition, Ive asked for my HIPAA release with my signature and the documents from the hospital that authorized Americollect INC. to collect a debt from me that I dont recognize. They sent me multiple things that doesnt show my signature connecting the hospital, Americollect INC., and me and failed to send me my HIPAA release form to show the hospital actually gave them my PHI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I previously notified ARS that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts ending in XXXX and XXXX Remove any charges such as {$35.00} and XXXX on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report.Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs.Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

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 2021-07-24 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: Colony Brands, Inc.
State: TN

Complaint narrative:
Earlier this year I checked my credit profiles and noticed a Ginny 's credit card on there that was supposedly opened in XXXX. Ive never had a Ginny 's credit card. I don't even know what Ginny 's is. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In 2016, I filed a complaint regarding the misrepresentation of information provided at my enrollment to XXXX XXXX XXXX. 

I was advised at enrollment that I would receive 1 ) receive assistance through their career services in obtaining a position in my field of study and 2 ) that the school was accredited and I would be able transfer my credits to another school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Back in XXXX last year, I asked for hardship assistance since my husband lost his job, they approved me fir payment plan which {$910.00}. Higher than what I was paying {$730.00}. Then I skip one payment they send me a certified letter saying if o dont pay the full amount, my account is in default and o have to pay {$3100.00} other ways I will have foreclosure on my property. And they refused to modify my interest rate which is 6.75.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX, I opened accounts ( 2 ) with XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, I had to voluntarily repossess my vehicle and could not pay on the personal loan due to an employment termination of my late husband. It has been 8 years since the account was closed, however, Experian shows the account was closed in XXXX and shows the account as a Serious Delinquency. 

I have disputed this several times with Experian Credit and XXXX  XXXX XXXX XXXX, and I was told that this reporting can stay on my credit report for 10 or more years. The Experian report has shown different dates and account numbers for the same account and I feel the company ( s ) are re-aging my account information. XXXX  and XXXX  shows the issue has been cleared and has been removed from their reports.

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 2021-07-24 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: IL

Complaint narrative:
IN 2018 THEIR WAS OVER XXXX XXXX DOLLERS AND XXXX XXXX DOLLERS OF UNAUTHERIZED CHARGES MADE ON MY TWO XXXX XXXX XXXX CARDS MADE POLICE REPORT AND FTC 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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 55 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I sent a letter to TransUnion stating that they had violated 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining, money property, labor, or services on credit card. Notice, XXXX said Any card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transition below. I have attached the dispute letter I sent to TransUnion. 
I would like to also add the File Number for this dispute is 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 2021-07-24 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: IL

Complaint narrative:
IN 2018 THEIR WAS OVER XXXX XXXX DOLLERS AND XXXX XXXX DOLLERS OF UNAUTHERIZED CHARGES MADE ON MY TWO XXXX XXXX XXXX CARDS MADE POLICE REPORT AND FTC 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 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
ADVANCE advertised had a fee of 3 % of the amount transferred. However, at the end of the ad, it stated that the max fee was {$50.00}. I transferred and was charged {$300.00}. A PNC Agent filed a complaint for me on XX/XX/2021. I haven't heard from the settlement person in 36 hours. I'm filing this in case I NEVER hear!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 58 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
To whom it may concern, The company Alliance Collect has attempted to collect a debt from me. This company has sent me documents trying to validate the debt and didnt send me my Hipaa release form, instead sent me a detailed description of what happened at the visit. This company should not have access to my PHI without my authorization. 

I spoke to a gentleman named XXXX before sending them a validation letter. I was confused about our conversation and only took away owing {$480.00}. On XX/XX/2021, XXXX  flagged my account giving this debt a new open date and late payment. Im more this frustrated with this company Alliance collect because I sent them a violation of my Hipaa rights letter demanding them to seize any action to collect this debt and to not report to the credit bureaus. They took it upon themselves to report this debt and not respond to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a mortgage loan with Wells Fargo. The loan officer and processor engaged in what I felt like was redline. The agents of Wells Fargo intentionally tried to misrepresent my income by excluding parts of it and not utilizing normal standard in an effort to Imitate and discourage me from applying for home long through Wells Fargo. It makes me wonder if they have engaged in these deceptive acts before.

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
I recently sent a request to the consumer financial protection bureau on XX/XX/2021 ( Complaint No XXXX ). 

The complaint was against Hunter WARFIELD. Hunter WARFIELD responded on XX/XX/XXXX and removed the incorrect item from my credit report. After two weeks of the complaint being settled by the Consumer Financial Protection Bureau, myself, and Hunter WARFIELD the debt collection ( Hunter WARFIELD ) added the incorrect information back unto my consumer credit report and continued the collection of amortized interest monthly on my collection account that is closed ; never fixed or revolving account that reflects fixed and unsecured loan utilization rates and compounding interest.

The debt collector continues to increase the debt monthly and violate the Fair Debt Collections Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: FL

Complaint narrative:
Unauthorized inquiries to Capital One dates XXXX When I called they said it was nothing they can do about it

Company response to consumer: Closed with non-monetary relief