vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
On Binance.US Im fully XXXX-verified and use two-factor authorization. But on XX/XX/21, upon a failed transaction to Binance/XXXX XXXX ( not due to my bank or funds ), my account was flagged and I could no longer do anything with my assets. 

I went through another verification process to restore access as directed by auto-generated email. I then opened up a support ticket # XXXX ( Customer ID XXXX ) to sort out a Deposit Appeal Process. They are reviewing my case but I can not speak with anyone directly. 

XXXX and XXXX are full of customer stories of this exact behavior. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian hasn't been reporting accurately to my various accounts, there for adversely affecting my credit score.

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 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear support, I have issues with items in my credit repair, I do not recognize them and I filed Identity theft report. I assume someone used my personal details and filed all these accounts. Its not fair, they killed my score completely. Please remove them ASAP

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 2021-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear support, I have issues with items in my credit repair, I do not recognize them and I filed Identity theft report. I assume someone used my personal details and filed all these accounts. Its not fair, they killed my score completely. Please remove them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have a mortgage loan with MR COOPER in which I have been trying to obtain a loan modification since XXXX of XXXX. I have been twice denied with not fully understanding why. In XXXX after I got a letter from MR COOPER it only stated that I was not qualified for a flex modification. In that first application they required two years of taxes and many months of banks statements. The final result they put me in forbearance since XXXX of XXXX. All the correspondent told me after getting out of forbearance I had a few options : 1. Pay the balance due in six months 2. Apply for modification Now that my forbearance is coming to an end they finally informed me after calling and speaking to 6 or more people that done of those options really applied to me. Why, I asked. Well even though I have a XXXX XXXX loan, because they have moved the loan in foreclosure department it disqualified me from receiving any of those relief thats is open to others. 
After close a to full year and suppling MR COOPER with all the documents they required I am now being told I only have three options : 1.Pay up the balance 2.short sale 3.deed in lieu. 

Solution : I would like to speak with my single point of contact which would helped cut through the confusion I have been getting. All my call to reach my dedicated specialist since XX/XX/XXXX as not caught up with her. I just today received notice that I now have a new person. Also I have requested conciliation conference still waiting on that. All this should uncover what is preventing MR COOPER from offering some relief to me on my mortgage. My Principle payment and interest currently is {$510.00} plus property taxes and home owners insurance. What are the basis or numbers for the denial of my modification if I am applying for a FLEX Loan modification, which I was told is a streamline modification. Also what is the loan amortization?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello, My occupation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX such as XXXX and my own website, using paypal as my payment processor. 

I reside both in the United States and XXXX, travel back and forth as part of my business. 

Paypal seized my money after holding it for 180 days without notice and without a court order. Just a few days after passing 180 days, XX/XX/2021 they transferred all my balance XXXX to themselves under the note " Paypal damages caused by acceptable use policy ''. My account was around 4 years old. 

My money was seized XX/XX/2021. I contacted paypal customer service several times the same week and I was told that my money was being held for 180 days and that after this time they would return the money to my account. I tried writing to my local congressman and other government agencies with no success but in the end I decided to wait 180 days. 

Just before a few days before passing 180 days my balance was transferred to themselves like I said before and here I am taking legal action against the unfair practices of paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
I ordered a new card because my old one was compromised. I received a new card today after a week of waiting. Now I am unable to activate the card. Chime said they had issues another card after this one was made so I am unable to use this card for anything and now have to wait another 7 days for another card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted

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 2021-08-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
To whom it may concern ; I have been doing everything I can in my power to let XXXX-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to XXXX as well. Now they aparently have sold the account to another company - Glass Mountain Capital LLC - Glass account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. XXXX already know about it and they tried for me to pay them even I show them the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: PA

Complaint narrative:
XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery XXXX at XXXX XXXX XXXX. XXXX, FL XXXX alleges I owe them {$3500.00} and has been sending me collection notices. The company is reporting the collection past due. I do not know this company and have never done any business with them. The company dose not have a contract with my signature or and proof to Validate I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I use to have an online membership with Experians credit monitoring service. I had Experians monitoring service for a few years. Please note : I have years of on-time payment history with multiple accounts. This is proof I dont have a thin file. Moreover, other credit monitoring websites are successfully able to pull my Experian credit report. In addition, I am successfully able to pull my Experian credit report from annualcreditreport.com At this juncture, Im no longer able to access my credit reports from Experians website. My login credentials are defunct. I have never requested to cancel my membership. I tried to create a new Experian membership, however, I get an error message. I have clicked on forgot username and forgot password however, I get a response that states there is no match. 

I have called Experians membership department and created an escalation ticket. If other consumers have a right to access their credit reports from Experians website, why dont I have equal access? I believe this is, among other things, a discriminatory practice. 

This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : 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 2021-08-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had requested a credit limit increase and they did not approved it. 

Later a received a letter giving me the reason for their decision as " The requested amount exceed the limits set by our credit policy ''. 

I called Synchorony Bank to find out exactly what policy they are referring to and they could not answer me and they told me the policy is set by PayPal and transferred me to them. PayPal then tells me they have not set any policy regarding credit limits and if there's any policy is set Synchorony Bank and transferred me back to them. Synchorony Bank again says they do not have anything to do with it and I should contract PayPal.

It seems they are using this credit policy as an excuse to hide something specially since it seems there's actually no policy.

I just like to know why I was turned down and what I can do to fix it. 

By the way, my XXXX score is about 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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I made a purchase of {$62.00} at a XXXX XXXX in XXXX XXXX, CA. On XX/XX/2021 I attempted to login to my account online to pay my balance but was unable to do so because the online system appeared to be down. I then made a payment by phone to make sure that a payment would be made on time. I was told that my payment had been received and I received a confirmation number of XXXX. On XX/XX/2021 this payment however was rejected apparently because I incorrectly entered my bank account information due to honest error. I was NOT notified that the payment had been rejected. I received a phone call from XXXX  ( XXXX ) on XX/XX/2021 to inform me that my Target XXXX  balance had accrued about {$31.00} in interest and a late fee ( bringing the balance to {$94.00} ) and had been sent to collections. At no point between XX/XX/XXXX and XX/XX/XXXX was I ever informed that my balance was due, nor did I receive ANY form of correspondence from the creditor. No e-mail, no letter, no phone call, no text message, nothing. It should be noted that the creditor did have all of my current contact information on file ( e-mail, physical address, phone number ), and at no point did any of my contact information change or become unavailable during this period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted 2 disputes with Experian in regards to an incorrect balance on my XXXX XXXX Credit card account. Experian is saying that the information they have is correct upon their investigation. First national is stating that they have sent Experian the correct balance which is {$0.00}. I even upload my most recent statement which shows my balance of {$0.00} and Experian still will not update the balance.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have reached out to the company concerning the late payments listed on my report. I was told by a representative that during the months that my payments were deferred due to COVID 19 I would not receive any late payments. The creditor failed to hold up to the deferment contract that i signed and have violated my rights. Please update and remove the late payments that are listed for the months during COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
This company has repeatedly harassed me about a dept Im not liable for. I have no financial obligations to the institution for whom they claim to represent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-12 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: FL

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern ; I have been doing everything I can in my power to let Citi-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to Citi as well. Now they aparently have sold the account to another company - XXXX XXXX XXXX XXXX - XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. Citi already know about it and they tried for me to pay them even I show them the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation