vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I first used Binance in XXXX or XXXX. The laws, rules, and regulations surrounding cryptocurrency have been constantly changing, and it is constantly small people like me that are feeling cheated out of these markets. 

I have little money, and I wonder if Binance is holding less valuable accounts longer in verification for when it may be useful to have buying cryptocurrency surge. 

I can verify clearly with Binance account history that I was keeping a 'bag ' of primarily ADA , BNB , and BTC  in XXXX. I spent a lot of time researching to determine which cryptocurrencies had profitable futures. After the midterm elections, I did not expect massive movement until the upcoming XXXX election. 

At this time Binance had a US website and made me re-register. I do not have any kind of impressive bank balance or credit. It took literally months to be reregistered. I tried to get my account set up on XX/XX/XXXX. Between XX/XX/XXXX I have over 20 emails between me and Binance trying to get my account verified, and to have a bank account attached, and to this day I still do not have a bank account attached. It is a standard XXXX XXXX XXXX  account and is on their auto list. I tried the automated method, the manual method, and have emailed Binance. 

I had literally a paltry {$1000.00} to invest on XX/XX/XXXX. XXXX at the time was XXXX cents/ coin. Now XXXX is XXXX dollars/coin, an almost XXXX increase. I have entirely missed that and attempted over 20 times to set my account up.

These companies are all supposedly regulated in the US now, how can a company justify taking private information, social security numbers, bank account numbers, balances, access, and then not even respond or set accounts up for months? As a consumer, am I expected to give this vital information to ten or twenty different online 'reputable ' brokerages and throw the dice and hope none of them abuse it?

You can not trust any of these companies that take this kind of information with no immediate result, and you can't trust the CFPB if they turn a blind eye to this kind of behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
Transunion negligence is impacting my credit and I received the worst customer service of all time trying to get help remove a hard inquiry thats not mine. The supervisor XXXX XXXX literally argued me on the phone and was very rude. The last rep lied to me and said fraud SEO didnt have a phone line and had to wait 7 business days for a call back which was a complete lie. They use tactics to ignore my problem and make me wait to get off the call!! This company employees are terrible and all need to be reviewed they do not know law or policy and do not follow the FCRA!! I simply need this removed because I never did business nor did I apply. The hard inquiry that needs to be removed is from XX/XX/XXXX and its XXXX XXXX!! Delete 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 2021-08-19 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XXXX in XXXX I called Capital One to work out a solution they were offering to the effect of COVID and I opted into their program with 2 of my Capital One accounts. After doing so, I was under the impression that everything was set because I had repeatedly asked and confirmed verbally. a few months later Ive come to a realization that both accounts have suffered a late payment reporting a total of derogatory payment on each account. Ive disputed and called them in XXXX of XXXX when I noticed that this has been going on and immediately made a payment that brought the account to date. The dispute However did not reverse any of the derogatory late payment marks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Debt is 10 Years old. And was purchased by this company and redated. I have tried to reach them and was unable to. I reached out to TransUnion.. Neither could give me any proof that this was a new debt and not an old one rebought. This dept was from XXXX. This is VERY old. and Unfair practice. 
Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1000.00} Original Amount {$1000.00} Original Creditor XXXX XXXX XXXX ( Financial ) Past Due {$1000.00}

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NC

Complaint narrative:
Today I sought to access my disclosure report from the National Consumer Telecom & Utilities Exchange by accessing the number on their website. There was no option to speak to a person except perhaps for those who are visually impaired ( which I am not ). Upon successfully verifying my identity on the electronic call service, I was told my disclosure report would be emailed to me if they had my email address on file. It is unclear whether they have my email address on file, or for example they would use this information that my utility companies have about me, and there is no option to provide this information for either a hard copy or electronic copy to be sent to me. 

If a service is being provided for the public good, it needs to be accessible. There's no use in telling me you provide free reports on my account if there's no way to receive it or even talk to a human to understand what's possible and ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My loan was serviced transferred in XXXX and I didn't realize until my autopay didn't come out from my previous mortgage company. I called and was able to get the information for my new company and I called them to first make my XX/XX/2021 payment and then set up autopay. The person helped me set it up via online for a bi-weekly debit. The first was supposed to be on XX/XX/2021 but they took one out on XX/XX/2021 and then another one on XX/XX/2021. I called on XX/XX/2021 and the person told me I don't see a payment call back on Monday and they noticed the duplicate payments. She opened a case and told me it would be 3-5 days until i get the money back. 

I called again today XX/XX/2021 and the person was not so helpful and quite frankly very rude. She told me she sees the case but I am not going to get my money until XX/XX/2021 and it's going to be a check that is mailed to me. I told her that is not what i was told earlier in the week but she again said the same thing again. I told her i wanted to file a complaint with who regulates her bank and asked who that was, she told me to look on their site. I was already on the site so i told her where can I find it which she answered with " just XXXX it '' I asked to speak to a manager and she transferred me to a voicemail that just had an extension with no explanation as to what it was. 

It's my first month with this company and they are already making it hard to do business with them. 

I need my money back sooner than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
My credit score dropped 21 points overnight for no reason. ( Citing " Your number of accounts with balances decreased by 1 '' ) ( " On your previous report, you had 14 accounts with balances -- now you have 13, which could mean you closed an account or paid off a card you no longer use '' ) Neither of those two reasons are Accurate BOTH are false statements giving no justification to Experian actions.

I am of the belief that this company ( Experian ) uses deceptive practices to deprive consumers of fair credit score ratings. Experian I believe is being paid by companies to provide poor credit score rating allowing for higher interest to be charged for loan products and in many cases keeping targeted XXXX XXXX Consumers out of the lending market causing economical hardships to targeted XXXX XXXX. 

The fact that my credit score increased 11 points this month from XXXX to XXXX due to the fact that I paid my loan balance down. Then decreased 21 points in the same month taking the 11 point increase for paying my loan balance down and 10 more points from my previous XXXX score denying my efforts to achieve a higher credit score quest ultimately denying my participation in the Economical process. 

I HAVE NOT CLOSED ANY ACCOUNT. 
I HAVE NOT PAID OFF A CARD I NO LONGER USE. 

Experian promotes a product they call Experian Boost to help build credit scores for a cost all about a dollar maybe Experian feel I should pay them as well to support my credit score goal and if not they will continue with Experian Deceptive Practices. 

Experian XXXX XXXX XXXX would be a better assessment of the company goals. 

XXXX 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 2021-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NV

Complaint narrative:
Hello I have issues with the way2go program which is with XXXX XXXX I receive my weekly unemployment on the card. But for the last 5 weeks my account has been suspended due to fraud which they are saying they are unable to verify my identity. I sent in my id. Social security card, birth certificate, w2, and also documents from id.me that my identity was verified. I had to sent that account up in order to file my unemployment. I've contacted way2go customer service everyday for help im on hold for hours and they transfer me to the fraud department then they tell me to send my documents to id@conduent.com which I've done at least 10 times. Then they told me they couldn't verify me and to call and my local social security office i to get a consent based process and I did they told they had no idea what i was talking about and told me to call the unemployment office and I did they told me my identity was already verified and there should be no issues I called way2go back and told them that they told me they will let me know.Im still locked out of my account and I can't access my money I haven't been able to for 5 weeks now. This is ridiculous I've done everything they have asked and im still getting nothing to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: FL

Complaint narrative:
Overall closing went well for me, however during the transfer to another mortgage lender the company refused to take my payment before the servicing was transferred and then proceeded to expedite my transfer, thus terminating my account and canceling my payment. 

On XX/XX/XXXX I received a letter that the servicing of my mortgage load is being transferred and would be effective coming XX/XX/2021. And that I was to pay the the other company starting on XXXX XXXX. The letter clearly states " First Community Mortgage , Inc. ( " Present Servicer '' ), is now collecting your payments and will stop accepting payments received from you after XX/XX/2021. Y '' which is then followed by " ... ( " New Servicer '' ), and will begin accepting payments on or after XX/XX/2021. '' This would indicate that I could pay my bill early this month through FCM ( First Community Mortgage ) and not have to deal with the hassle of trying to pay a bill on the day that my service is transferred over on the XXXX of XXXX to the new mortgage company. 

I attempted to pay my bill on the on the XXXX of XXXX. I received a confirmation email that the one time draft activation had occurred. However I received a call from a restricted number on the afternoon of the XXXX of XXXX from a man who said his name was XXXX that my payment did not go through. I asked what the reason was and he wouldn't really give me an answer of what happened but did let me know that he would put in the comments of the tracking of this payment that I had been called. I checked with my bank and I had the appropriate funds for the payment so I went back to the FCM dashboard to see that " Loan removed due to release '' had occurred on the XXXX of XXXX. This is a full 13 days early to the transfer that was listed on the letter I received on the XXXX of XXXX. I attempted to call the customer service line and the person I spoke to was very kind but unable to do anything and said there was no history of my attempted payment and that I had already been transferred. I voiced my concerns there however there is nothing they were able to do. 

This complete negligence regarding abiding to transfer dates they previously provided consumers is deplorable and unacceptable business practice for any company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I request the removal of my PMI on my loan ( {$220.00} monthly ) from my lender. I has been trying to contact my lender, but after I sent certificate letter on XX/XX/XXXX, and I have proof of Federal Mailing office that they received on XX/XX/XXXX, and by E-Mail and phone calls, I do not have any answer yet. 
By Federal law if I owe the lender under 78 % of the LTV of my property they have to remove my PMI. 

Lender Name : Loan Care aka XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Need your help because the lender do not respond. 
Loan # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX Phone : 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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts WAS DELETED. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I did not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX/XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please DELETE the account below due to several violations of the law. The companies in question for the alleged debt are as follows : 1 ) XXXX/XXXX  XXXX ( Reinserted into EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I did my research and spoke with a business real estate financial consultant at wells fargo who misinformed me and cost me time and money. I explained that I had signed a contract for a property and was in need of a loan. I had a relationship with the bank, i was banking there since I opened my business. XXXX explained the process and I decided to move forward with the option of a commercial real estate loan. He sent me the application and I filled it out and sent it back. Couple days later I received an alert on my credit that it was looked at by wells Fargo. I there after received an invitation to submit a packet which included 2yrs of tax return, personal financial statements and debt schedule description of property, etc. After sending what was requested then they asked that I extended my contract from a 30 day to a 60 day. In order for me to extend my contract I had to put another earnest deposit down. I did because I felt confident that I had met all the criteria 's. All of this was over a 6wk period back and forth. 10 days after submitting my paperwork, XXXX called me to tell me that I was denied because my business was under 3yrs old. I asked how did they not know this before. I was a customer at there bank and it was on the application I originally filled out for XXXX. All I keep getting is apology, that there was a misunderstanding. It was not my misunderstanding. XXXX or someone on their end drop the ball and I am now stuck and paying the consequences because I will be losing the deposit if I cant get a loan. When I tried to have the underwriter take into consideration that my business was 3mos shy of the 3yr mark that was dismissed. I am not sure how Wells Fargo can say they support small business when their employees XXXX up and no one wants to own it or help resolve this. All they had to do was review the application ahead and they would have known without wasting my time and causing me to put another deposit down. I spoke with their remediation department which is just there to make you feel like they are doing something but they did nothing but be nice. being nice is not the same as being helpful. Perhaps XXXX needs to be fired, if you are that incompetent maybe he should not be in the position where he can affect peoples business in such a manner.

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court. 

There is also a bankruptcy in my credit report. It was included in my current report that it's already deleted and when I check the actual report, it's still showing on it. I've attached my recent report here that says it's already deleted.

Company response to consumer: Closed with explanation