vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
I called and the voice response system requests an account number but I don't have one. It asks for the last four of my social then says there's no account associated with my social security number. I left messages but don't get a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TN

Complaint narrative:
XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2021-04-16 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: IN

Complaint narrative:
I have disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Trans Union how legally, the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Trans Union has not done a legal verification of this alleged creditors and taken them off 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 2021-04-16 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: PA

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX credit line to purchase a refrigerator and stove. ( about {$1700.00} ) I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from XXXX XXXX. They stated my credit report showed the following : ( credit score XXXX ) 1 ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) 2 ) Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX and XXXX show this?. Only TRANSUNION has this information. 

3 ) Unpaid Collections Again, why doesnt XXXX and XXXX show this?

4 ) Lack of auto account information : Since when do you have to have auto information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over!

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, XXXX XXXX and Transunion drink from the same cup!

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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: DC

Complaint narrative:
XX/XX/2021 : Discover denied application denied due to : LACK OF RECENT REVOLVING ACCOUNT INFORMATION XX/XX/2021 : Discover denied the application due to : RECENT REVOLVING ACCOUNT ACCOUNT INFORMATION NOW PRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I lost the promotion points of 25,000 when I downgraded my card ending-XXXX in XXXX. 2021. I was charged the annual fee for this account twice within a year so I decide to downgrade my card to avoid the additional annual fee. When I downgraded the card to a non-fee card, the AMEX customer service did not tell me they would remove the proton points for downgrading. I believe I met all requirements for the promotion offer and AMEX should honor the offer and not remove the points from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I keep getting calls from Creedence as well as my sons ( XXXX & XXXX ). 
They call us at least 2 times a day each for a debt that doesnt belong to any of us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due.

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 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of america closed my account for whatever reason and they didnt send a letter informing that they was closing the account for whatever reason. i never misssed a payment i want my account reopened

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 2021-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am sending this complaint because I am very concerned. There is a 60 days late remark reported on my account on XX/XX/XXXX. I want to explain what really happened. There was a third-party company that committed a big mistake. I want to emphasize that I had more than enough funds to make the payment. 

I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. When I realized that the payment was not completed, I immediately made the payment and now I have a perfect record of on time payments. 

What really happened : This company mistakenly debited my XXXX XXXX account twice for my XXXX Mortgage account on XX/XX/XXXX for two payments of {$820.00} and the Carmax payment of {$590.00}. In total, they were supposed to pay {$1400.00}. This was the reason why my Carmax payment was not completed. I had to contact XXXX directly to get the payments reversed! 

I am requesting an adjustment of this late remark and get it corrected or reported as no data. This situation is killing my credit score and I am not able to get a home. This was a situation that I could not control. 

I have never been late on my account. I hope I can get a positive response from your company. 

Account information : Account name : Carmax Auto Finance Account number : XXXX Date Open : XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I requested a refund from the merchant XXXX XXXX XXXX  for their XXXX XXXX annual subscription service of {$1400.00} on XX/XX/XXXX. The purchase was made with a Chime XXXX XXXX card ending in XXXX with a split payment plan of {$720.00} on XX/XX/XXXX and {$720.00} on XX/XX/XXXX transaction, last year. There was a 1-year refund policy. The debit card used to make the purchase last year was disabled and replaced around XX/XX/XXXX, after the purchase. After the refund was requested by XX/XX/XXXX, the merchant processed the refund on XX/XX/XXXX for {$1400.00} to the old debit card which was used to make the purchase last year and provided a confirmation receipt that the refund was complete. The refund of {$1400.00} was still not showing in my Chime Checkings account after 10 business days, so I called CHIME support and the representative said that even though it was an old debit card, its still the same checkings account, so it should have processed through, but he found no refund was pending into my Checkings account, so I filed a claim dispute form enclosing the reference number of the refund from the merchant, along with the refund receipt and the confirmation email from XXXX XXXX XXXX. CHIME BANK refused to credit my account for the missing refund amount and closed the dispute as no error was made. Yet, I still dont have my {$1400.00} e-refund from XXXX XXXX XXXX showing or deposited in my Chime Spending ( Checkings ) account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: OK

Complaint narrative:
I do not accept the lies Citi Card is still pushing. They lost my payment and blames the post office when my other payment was received just fine. They would not pull up my actual payment when I asked twice. How convenient! I will file complaints and dispute all of Citis lies as many times as it takes. Every time someone contacts me they just repeat their lies and refuse to incorporate any of the facts I told them! I am amazed at the terrible service that good paying customers receive and I canceled prior to the XXXX. I

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 2021-04-16 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: OR

Complaint narrative:
My insurance letter said info from Equifax influenced my premium and only Equifax can provide details. Equifax can not send my report to me because they can not verify my Identity. 
Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was sent a XXXX  payment which is linked to my TD bank account. The funds were posted as available balance. I used some of the funds and was hit with a few overdraft fees. When I called rep, he emailed his manager to have it reversed because system wouldn't let him. They have done this repeatedly. The rep said this is an unfair tactic because why post the money into account if it isnt available and is " pending '' I have the call recorded. 

I have a couple of business and personal accounts with different banks. TD is the only bank who does something like this and gets away with it. When money is sent via XXXX. Its not reversible so its deemed YOUR MONEY and no OTHER BANK puts it in pending status and makes it available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 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:
XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXX XXXX. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: GA

Complaint narrative:
This unauthorize and fraudulent transaction happen on XX/XX/2020. 
I had a cash app account, someone or something cash out at XXXX XXXX XXXX  at XXXX XXXX  a total of {$870.00}, which was everything I had in the account. I kept contacting cash app support their not help at all. I contacted the XXXX XXXX XXXX and the best thing they told me was to contact C.F.P.B. I let them know i do not and never have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: DC

Complaint narrative:
Hello, I am a US resident who opened an account on binanceXXXX XXXX and didn't know about the changes that happened with that website ( I didn't receive an email about the change and I know others who didn't ). I had invested a small amount into binance. com in XXXX and had left it there. When I logged in, the website informed me that I am a US user and they can't provide services to me. I was instructed to reach their customer service. 

Now I can't confirm my identity in the website ( since I am in the US ) and the withdrawal function in my account has been suspended. I sent documents for verification to customer service on XX/XX/XXXX to " XXXX XXXX '' ( email below ), but haven't heard back. 

Below is the email I received from Binance. I have not received anything since. Please let me know if you can help. My XXXX ID for Binance is # XXXX. 

XXXX XXXX XXXX Binance XXXX XX/XX/XXXX, XXXX XXXX Dear user, Thanks for your inquiry. 

Upon checking, we found that the withdrawal function was suspended due to the withdrawal risk control. If you can not pass the self-help process online, please provide us with the following information for the account verification and we are going to help you through the ticket. 

Photo verification : XXXX. Both sides of your ID card or driver 's license, or If you would like to provide with your passport, please attach the information page only. 
2. Selfie with ID card, driver 's license or passport information page. 

Please record a video, including the following information : XXXX. Withdrawal recordsPlease login to your account and show the withdrawal records in your account. 
XXXX. Communication recordsPlease show in the video the emails between you and Binance CS via this email. 
XXXX. You also need to appear in the video and hold the information page of your ID document, and repeat clearly the following sentence : " Today is the year/month/day, my account is applying for withdrawal of XXX coins with XXX amount. I confirm that it is my own operation. I am contacting Binance CS to resume the withdrawal function of my Binance account XXX '' In addition, if you are able to provide the following information at the same time, it will help to confirm your identity and help speed up the review process. 
Security questions : XXXX. Account registration date XXXX. Account registration XXXX Thank you for your understanding and looking forward to your reply. 

Best Regards, Binance Support Team

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a LOWEs credit line to purchase a refrigerator and stove. XXXX about {$1700.00} XXXX I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from Synchrony Bank. They stated my credit report showed the following : ( credit score XXXX ) XXXX ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) XXXX XXXX Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX XXXX XXXX show this?. Only XXXX has this information. 

XXXX XXXX Unpaid Collections Again, why doesnt XXXX XXXX XXXX show this? 

XXXX ) Lack of XXXX  account information : Since when do you have to have XXXX  information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over! 

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, Synchrony Bank and XXXX XXXX  from the same cup!

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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XX/XX/2021 deposit {$10000.00} into robinhood investment account to buy currency. at that time, i had {$13000.00} invested in my investment account. because i could immediately use my immediate purchasing power with {$10000.00} deposited, the total value of my investment was {$23000.00}. but after my bank account was stolen that week and my savings failed, on XXXX XX/XX/2021, robinhood sold part of my currency, plus the balance in my investment account, for a total of {$10000.00}! then the use of my investment account was restricted. then i contacted the customer service and tried to solve the problem, but i replied once every 3 days until XX/XX/2021, when robinhood withdraw {$10000.00} from my investment account again, and then my investment account could be used normally. so the problem now is, robinhood overcharged me {$10000.00} from my investment account, which is my personal asset. i have been trying to contact the customer service, but i have not received a good reply. each reply is for different reasons. hope your company can help me! thank you

Company response to consumer: Closed with explanation