vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: WA

Complaint narrative:
On XXXX XXXX I initiated a transfer of my XXXX XXXX ( XXXX ) tokens worth $ XXXX to be sent from my Binance.us heium wallet to my Binance.us Helium wallet. It was an accident I that used my Binance wallet address instead of my private wallet. 

The tokens did not go anywhere on the blockchain because it was already in the location it was being sent to so no transfer took place. The tokens did not move but binance 's system has them locked as " proccessing '' for some reason I don't understand because it is on their end. 

I created a ticket ( XXXX ) on the same day. They have not responded in any way and meanwhile the market is undergoing drastic fluctuations and I have no access to the money. So far I have lost $ XXXX during this time because they will not respond to me and allow me access to my property to trade out. 

This is the XXXX : XXXX on the XXXX XXXX. As you can see if you check it, there isn't a transaction that matches this because it never happened. However this is the XXXX that Binance has under the transaction. 

I found a way to get their attention on twitter and they said " we are escalating this ticket to be worked on ''. This is ticket # XXXX. 

XXXX ( Binance.US ) Sent me an Email later that day ( XX/XX/2021, XXXX PD ). asking for the XXXX of the transfer and the date it was intitiated. I responded within minutes and now have been waiting another 3 days with no response from them whatsoever. Their team is completely ignoring me on twitter now as well as many others. I have no faith that they will do anything to solve my issue within the next few months because I have seen many others that have been waiting that long on twitter BEGGING them to help. 

This company needs to be shut down and not allowed to custody money of US citizens because they present themselves as a reputable company but are simply holding the funds that equal into the XXXX of millions of dollars hostage from what I can tell. Please make them unlock my funds so that I can never deal with them ever again and move on. 

Thank you so much for your time XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CFPB complaint XXXX was denied by XXXX in XX/XX/2021. Chase has proceeded to retaliate for filing this report. In XXXX XXXX received per their knowledge that Chase reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against XXXX as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how Chase Mortgage was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by Chase and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX Chase retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XX/XX/21 I received a text message from Bank of America that a transaction from XXXX was declined for XXXX . When I checked mybank of America account online I saw that there are other transactions that were completed, but I did not complete them. I figured someone stole my credit card information. The thief bought things from XXXX and XXXX for approximately XXXX . I deactivated my credit card and had a new one from bank of America mailed to me. I filed a claim with Bank of America that is currently under investigation. Can you helpd me solve this fraud situation, please? thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to Transunion on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and i requested that it be removed by law. I still havent gotten a response from Transunion and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NV

Complaint narrative:
Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: AZ

Complaint narrative:
My ticket was opened in XXXX. Ticket number XXXX. At the time around XXXX had been sent from Binance to Binance.US using what was ostensibly a faulty pipeline because Binance.US doesnt accept XXXX. I opened a ticket I was told that an extraction would be performed and would cost around 500 . 6 months later no extraction has been performed and I still do not have my crypto which is now valued over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
Account reported on my Transunion credit file own XX/XX/XXXX. I responded to the dispute XX/XX/XXXX. Transunion later, way past the 30 days responded with a letter saying the account had been verified. I then responded with a followup letter XX/XX/XXXX asking for proof of this verification which was ignored. Send a third letter asking again for verification of this co called investigation and still have yet to receive any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Umb bank closed out my account gave me my money out of account then after account was closed ymb said I owe them money which I don't its up to XXXX dollars now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
I called them and explained that I had been denied. The company does business with people that have bad credit. Usually the credit score is around XXXX and mine at the time was XXXX. They denied me credit because people are jealous of me and they leaned toward them and denied me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB complaint XXXX was denied by XXXX in XX/XX/2021. XXXX has proceeded to retaliate for filing this report. In XXXX Equixfax received per their knowledge that XXXX reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against Equixfax as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how XXXX XXXX was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by XXXX and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX XXXX retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The secured credit card was closed two months ago, the bank has still failed to return the small security deposit on the XXXX balance account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have started COVID-19 Forbearance Payment Deferral program with Wells Fargo since XX/XX/XXXX. At the end of my last 3 months forbearance period ( End in XX/XX/XXXX ), I called early on XX/XX/XXXX because Wells Fargo have sent communications to discuss next steps and options. I called in early to discuss options with a representative and was told that at the end of 3 months, I will resume my original mortgage payments and all payments will be deferred as part of CARES Act. In error, the agent canceled my forbearance early stating that I am ready to resume making payments. I called Wells Fargo multiple times in XXXX and XXXX to get that fixed and luckily they were able to put be back on for the remaining 2 months which ends in XX/XX/XXXX. As of XX/XX/XXXX, my mortgage is backed by XXXX XXXX and it states that I am eligible to extend up to 18 months if I was on it as of XX/XX/XXXX which I am since XX/XX/XXXX of last year. As I am still affected by Covid, Wells Fargo did not reply timely and I have called and spoke to the forbearance department since beginning of XXXX. They have escalated the issue and no reply back on resolution. They only tell me I am ineligible and did not state any reasons. The calls are recorded and please review since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NV

Complaint narrative:
Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NV

Complaint narrative:
Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Yes, well i opened a wellsfargo banking account in order to receive my first stimulus payment. 
I naturally try to review some of the perks of the wellsfargo account. 
I notice you can connect your " XXXX '' Account. I give it a try. 
Well when I'm set to receive my stimulus payment, I was unaware wellsfargo processes paymemts for XXXX. Wellsfargo in error deposits my stimulus in my XXXX account Prompting XXXX to permanently ban my account. Which is still banned. 
Well the IRS issues the later payments and they still send the payments to the XXXX only to be sent back to the IRS prompting the IRS to send me a papercheck. 
I go to wellsfargo to deposit these paperchecks. Wells Fargo credits me for a couple weeks. 
Then out of no where there system realizes we've processed a stimulus payment for me and my SSN they then reverse the check deposit leaving my account in the negative. 
Forcing me to payback the negative balance with future deposits. 
I contact them they essentially ignore my request and give me an explanation that my account was credited twice? 
The amount of financial hardships I've been thru from them stealing my stimulus payment for half a year+ ... 
Now reversing my stimulus payments and leaving my account in the negative. 
It's pathetic. 
I've had to take out loans to get by other things as well. I've had to sell personal possessions, go without bills paid. Literally because their system froze my account for no apparent reason. Than wrongfully reversed the next payments when I deposited a paper check. 
This ain't fair. I'm totally in debt and deserve my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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:
i received a copy of my credit report and noticed many fraudulent accounts and inquries that is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: DISCOVER BANK
State: IL

Complaint narrative:
I prepaid for a months at the extended stay to receive a discount. None of the hotels description matched the actual hotel including website and ratings. upon arrival I was told there were no rooms available and the one would be a XXXX upcharge. I was also asked to come back at XXXX for my room, the front desk closed at XXXX. I was not shown my room before hand I was just given a key. There were no amenities that were advertised included ( pots, pans, kitchen utensils ). The room had bugs, stove did not work and was unsanitary, I stayed two nights and left when I was very concerned for my safety. This included another guest informing me the place was a known XXXX, homeless and XXXX spot. I am a small women traveling alone. When I left I contacted both the hotel and discover several times asking for a full refund due to the money I spent having to wash all my clothes and buy sheets and a blanket. I was denimed. Discover admitted the rooms looked nothing like the website and the whole thing was false advertising and fraudulent but told me that if the extended had a room available, they were allowed to charge me even if I provided proof I had left the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: TN

Complaint narrative:
I owed XXXX to XXXX when covid hit. In spite of govt suspension of utlilities cut off, XXXX cut my cable off and said something about " regulated or unregulated '' Two months after, it cut off the phone which I never used and sent it to Stark collection agency of XXXX WI. Stark started demanding XXXX dols, then eventually split the acct into two, reporting one for XXXX dols and another for XXXX dols. I have told them several times they are violating govt mandates, but they don't care. This month, Stark Collection has created a third acct out of one acct, which caused me to lose over 40 points on my credit. It is reporting two XXXX dols. XXXX brought this to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: FL

Complaint narrative:
I have filed a complaint with Experian for this account with XXXX XXXX XXXX ( XXXX  XXXX ) as XXXX XXXX  is only reporting the date that they bought the file. They are reporting that this account was opened in XX/XX/XXXX. They are not reporting or even showing the date that the account was charged off during the statement period of XX/XX/XXXX to XX/XX/XXXX. Experian DOES NOT have any place where the original delinquent date can be displayed on my report. It makes it look like the account went bad on XXXX XX/XX/XXXX, not 2 years earlier. Each and EVERY time I dispute it they always say the information is correct. According to what I read in www.ftc.gov/os/statutes/fcradoc.pdf, the date the account went delinquent must be reported within 90 days of submitting the account to the credit reporting company. How can Experian NOT show the delinquency date? 

AND XXXX  AND XXXX IS SHOWING THE SAME DATE XX/XX/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