vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All accounts must be verifiable that are on your credit report. I have reached out to XXXX on multiple occasions to get information on a Bankruptcy that Transunion, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from XXXX stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is TransUnion, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from XXXX and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to XXXX where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX results were incomplete and missing on XX/XX/XXXX Transunion results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If XXXX Certified this information is correct then where is the copy to be sent to me?

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All accounts must be verifiable that are on your credit report. I have reached out to XXXX on multiple occasions to get information on a Bankruptcy that XXXX, Experian and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from XXXX stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, Experian and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from XXXX and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to XXXX where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX Experian results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If XXXX Certified this information is correct then where is the copy to be sent to me?

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I opened an trading account with Binance.us in XX/XX/2021 and began trading, withdrawing, depositing my USD. I also verified my identity at that time as required. Binance.us requested documentation for Advanced identification in XXXX which I provided in XXXX. Until, XX/XX/2021, my account was suddenly frozen without notification. I am unable to trade, deposit or withdraw my USD assets. I opened multiple support tickets and until XX/XX/2021 I received a response from the " support '' team. This is what the support stated, " XXXX ( Binance.US ) XX/XX/2021, XXXX PDT - Support Ticket XXXX XXXX XXXX has been updated. 

Thank you for getting back to us! To clarify, this is related to the USD asset class, as users must now be USD verified ( which is now a one-click agreement ) to trade with it. I.e., if you possessed a USD balance at the time of this update due to trading assets to USD, but were not yet USD verified, you would not be able to use this balance. We are currently working to resolve this issue, and greatly appreciate your patience. 


Thank you, Customer Support Binance.US '' Meanwhile, my monies in the amount of over {$1600.00} is stuck on their exchange and I am unable to withdraw that money. I have demanded access to that money without response. I am demanding immediate access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: PARKSIDE LENDING, LLC
State: NY

Complaint narrative:
i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21 my checking account was overdrawn by {$630.00}. 

On XX/XX/21 I received {$1400.00} stimulus direct deposit. My account then was a positive balance of {$760.00}. 

On XX/XX/21 I received a deposit from Suntrust Bank ( bank where account is held ) for {$630.00}. Called TEMP RELIEF DEPOSIT. 

I was unsure what this was exactly - I figured it had to do with stimulus bill. I did not contact the bank with questions. 

On XX/XX/21 {$630.00} was taken from my checking account by Suntrust - removing the deposit they put in on XX/XX/21. I call the bank customer service number a d was told a letter was sent and it was a TEMP LOAN so that I would have access to the entire {$1400.00} of stimulus payment and was going to be removed in 30 days. 

I never saw the letter - I have moved since then.. I called yesterday to my former landlord and asked if I had any mail. He said yes - he sent me a photo of the letter. It is dated XXXX the day of the deposit and the envelope has not postmark. Not sure when it arrived, but was after the deposit was already done. 

I was never given this as an option.. just was told we as a bank did this.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Debit card was stolen from my home in XXXX NJ and has been missing since XXXX XXXX. Any activity is fraud since that date

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was diagnosed with XXXX and was unable to earn enough money during my treatment and recovery so I entered into a forbearance agreement with PHH Mortgage. Their Relationship Manager assured me that I would not incur late fees or be reported to the credit bureaus as " late. '' My wife XXXX XXXX and I was reported late to all credit bureaus for 8 months ( XXXX XXXX to XX/XX/XXXX ) while the forbearance plan migrated to a successful loan modification. When PHH requested my trial payments during the initial phase of the loan modification, I made those payments in a timely fashion and PHH reported the trial payments as late. 

I did not discover the damage to our credit reports until recently. My wife and I tried to apply for a car loan at all the banks and credit unions which offer competitive rates of 3 % and were declined several times. Finally, a lender called XXXX approved the car loan at 23 %. 

I have filed a complaint with PHH Mortgage and XXXX. PHH says they did nothing wrong in their letter dated XX/XX/XXXX ( attached ). This contradicts their Relationship Manager claim and their Telephone IVR system says that " you will not be reported late to the credit bureaus while in a forbearance plan. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I Received a debt collection notice from the company, National Recovery Agency. I requested copies of the account transactions showing I owed said debt on XX/XX/XXXX. In late XXXX, I received the photocopies of the account with a letter dated XX/XX/XXXX, which PRE-DATES my request for information. After careful review of the account transactions it is clearly shown that the account balance is listed as XXXX  " {$0.00} '' and the debt that is to be collected on was listed previously as a " Charge off ''. On XX/XX/XXXX, I provided this information to the National Recovery Agency, along with a spreadsheet showing the transactions and the charge-off, in addition to identifying the same on the transaction listing they provided as evidence of debt and asked them to remove my collection notice and ensure that it does not appear on my credit report or have any negative remarks for an invalid debt. 
I am now in receipt of another request from National Recovery Agency dated XX/XX/XXXX along with new photocopies of the account transactions that still show the amount that is attempted to be collected on as a " Charge-Off '' as well as showing a {$0.00} balance. The name of the account representative is XXXX XXXX. National Recovery Agency information : XXXXXXXX XXXX XXXX, XXXX, PA XXXX ; Phone XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Issue1 : I requested XXXX XXXX to close my account and refund money on XX/XX/2021. Account is neither closed nor I have received my monies. I call almost everyday and each time I was told that it would be resolved the next day which is never ending. Yesterday, I was told that the review would be completed this morning and I should have an answer but, when I called a few minutes ago, account is still under review and they were not able to provide a status. This account has been under review since XX/XX/2021 by these incompetent unprofessional firm. 

Issue 2 : I made a cash deposit and a check deposit at an ATM but my online account activities didn't show check deposit. I contacted XXXX XXXX, they said it could take up to 3 days to show up this deposit in my account but it still didn't show after 3 days so I contacted the check payer who moved funds from his account since we didn't know where the check was. On XX/XX/2021, XXXX XXXX blocked my online access. 

The amount I entered above is the approximate amount since I do not have access to the account to check 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 explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
XX/XX/21 received text from Coinbase that my password was changed ... when I checked the App I was locked out of my account. followed by emails stated that I had authorized a new device, which I didnt .. 
I opened Coinbase ticket : # XXXX XX/XX/21 Received email to reset password.. the system didnt let me log back in I opened Coinbase ticket # XXXX XX/XX/21 My XXXX XXXX  account was compromised and XXXX was withdrawn to fund my Coinbase account which I was locked out of. I contacted my bank to block any further withdrawal from this merchant. 
I opened Coinbase ticket # XXXX XX/XX/21 Revived an email from my bank ( XXXX XXXX ) stating my my XXXX withdrawal by Coinbase was returned due to insufficient funds. 

I AM UNABLE TO CONTACT A COINBASE REPRESENTATIVE TO SPEAK TO. I CAN OPEN HELPDESK TICKET. 
FRUSTRATED-ANGRY- VOilated -ROBBED OF XXXX US DOLLARS . 
I NEED MY MONEY REFUNDED BY COINBASE. 
THEY DID NOTHING TO PROTECT MY PRIVACY AND MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
On XX/XX/2021, I mailed an initial letter of debt verification to Financial Data Services in reference to the debt for XXXX XXXX in the amount of XXXX. I attached a letter of my police report stating I was not responsible for the debt, that I was a victim of identity theft, and requested verification. Financial Data responded but stated they needed a copy of my ID to verify debt and that they would contact XXXX XXXX in regards to the debt. I received no updates, but resent the letter with attached ID and information on XX/XX/2021. 

I have still not received an update at this time. I mailed another company on the same day and have verified they did receive their letter, so I know the mailing was successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I financed my vehicle through Chase Auto Finance. On XX/XX/2020, I received notice in the mail that Chase 's lien on my vehicle had been satisfied and that my account had been paid in full. However, since releasing my lien, Chase has failed to deliver the vehicle 's title to me. I have tried contacting Chase several times to inquire about having the title mailed to my current mailing address. Each time, various different Chase representatives tell me that they will look into the matter, that they will mail the title to my address, or that they will call me back later. None of this has ever happened. As a result of Chase 's inaction and failure to deliver the title to my vehicle, I have neither been able to drive my vehicle nor even register my vehicle so that I can operate it legally. I have also contacted my local DMV for help with this matter, but they are unable to do anything without the vehicle 's title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated

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 2021-04-28 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: NY

Complaint narrative:
i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated

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