vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Financial, LLC
State: IN

Complaint narrative:
My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. XXXX XXXX number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet XXXX a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is in violation of FCRA 611. I contacted the furnishers and I am providing documents directly from the furnishers, XXXX XXXX and XXXX  showing the inaccurate information. I request these inaccurate accounts be removed under FCRA violation as they have already been disputed. I believe Equifax has not been conducting reasonable investigations as the data of these accounts still have been reporting inaccurately on my consumer report. My rights have been violated and I have not received a 100 % accurate consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
i received my statement for my XXXX XXXX store credit card. the statement billed XX/XX/XXXX with a total balance of {$75.00}. On XX/XX/XXXX, I logged on to my online account to pay the balance in full. My new statement billed XX/XX/XXXX and i'm being charge a minimum interest charge of {$2.00} on a {$0.00} balance. When I called to dispute the charge, they informed me it was residual interest and they couldn't reverse the charge. When I log in and click " pay in full '' it should pay in full. I shouldn't be getting surprise interest charges for a balance that was paid in full well before the statement close date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA

Complaint narrative:
According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
XXXX XXXX is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to experian and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
This complaint is towards coinbase. On XX/XX/XXXX of this year, Coinbase locked my account because of a supposed denied transaction while trying to deposit money into my portfolio ( coinbase pro ) regardless of the fact that there was money in my account. I attempted to contact coinbase support on XX/XX/XXXX ( Case # XXXX ). Over the next several months up to today, I have attempted to contact them multiple times and filed two separate complaints and the only responses I could get were to wait for a response and to stop filing complaints because it supposedly only delays the process, which honestly doesn't make any sense since my complaint contains the case number above and compiling said information is not very time consuming ( neither is taking a look at my account and simply unlocking it. Yesterday Coinbase finally sent me an email claiming that the issue was resolved. It wasn't. While they credited my account with a small amount of bitcoin, it was irrelevant considering my account is STILL locked, thus not allowing me to remove my money from their platform. This is completely unacceptable customer support. This billion-dollar company still to this day does not have any live tech support. I can't speak to a live human being about the issue and obviously their online support system is unbelievably pathetic. I am far from being the only person with this issue. Only after complaining about the issue on their XXXX page did someone say that filing a complaint here was the only way they were able to resolve their issue, and it took them 6 months to do it. unacceptable. Please notice the dates in the screenshots provided. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Someone was able to use my Information for what looks like two separate events. someone used XXXX XXXXXXXX XXXX for a visit or two, in addition they opened up a XXXX  Account and failed to pay for either. therefore it is on my report and I have no previous history with either of these companies. 

XXXX  XXXX XXXX  Original creditor : XXXX {$250.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$330.00} {$330.00} Payment Info Original balance {$330.00} Balance {$330.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status 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 2021-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: NY

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to XXXX TransUnion, and XXXX credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

Thank you, 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 2021-06-22 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: NY

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to XXXX XXXX and Equifax credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
midland cred.mgt is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to XXXX and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
<p>I have two vehicles financed with RBFCU. My goal was to pay off both of these vehicles ( about XXXX owed on each vehicle ). I was eager to pay these off since I'm refinancing my home. My lender needed my debt to income reduced in order to accomplish my goals for the loan.</p> <p>In the early days of XXXX, I tried to make the payments for the total payoff amounts for each loan. For some reason, this was not possible through the online portal which I use to make payments on these loans every month. It forced me to call in order to process a payment. After a few days of attempts, I finally was able to wait on hold long enough to get someone to XXXX XXXX XX/XX/XXXX, I spoke with a rep that determined the total payoff amount for each loan. She told me the interest would have to be two days in the future since that's the amount of time the ACH payments would take to go through. I agree. I then see the total amounts taken from my checking account to payoff each loan. So, those accounts should be closed, right? WRONG! </p> <p>Two weeks later, today, XX/XX/XXXX, my mortgage lender informs me there is still an amount owed on one of these loans. To my surprise, I log into my RBFCU account, and sure enough. It is still open and has an amount still owed of ~ {$1400.00}. Even more to my surprise, there is an additional amount of money in my savings account that is that amount. </p> <p>I quickly make a payment from the savings account to the car loan account in order to pay it off in hopes of moving forward with my mortgage loan. However, this has caused a lot of hassle and could potentially cause me to not be able to close this month. If I can't close this month, I have to pay another month of higher interest, rates could slip, etc etc. </p> <p>The fact is, my payment was wrongfully routed at the discretion of a bank employee to an account I didn't advise. This is ( significant ) costing me money in the form of interest and potentially other fees, ESPECIALLY if mortgage rates increase.</p>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt originally owned by XXXXXXXX XXXX was collected by Portfolio Recovery. Portfolio Recovery engaged an outside attorney firm to collect the debt. The debt has been paid in full via the attorney and Portfolio Recovery refuses to provide a letter stating it has been paid because it was paid to the attorney. They also say they have to wait until the attorney let 's them know the account has been paid and that could take 30 days. The credit reporting agency won't accept the attorney 's letter to show the debt is paid because the letter needs to come from the creditor or Portfolio Recovery. 

This is going to impact my ability to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: GA

Complaint narrative:
After several online disputes with XXXX XXXX XXXX for validation of debt pursuant to 15 USC 1692g, and removal of outdated information pursuant to 15 U.S. Code 1681c, XXXX XXXX XXXX continues to report outdated, unverified information to Equifax. from 2014. See attached. Additionally, there is no verification or validation whatsoever that this account was included in a bankruptcy for which I have an additional complaint pending with the CFBP. 

I want XXXX XXXX XXXX to immediately and permanently delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Someone used my email address when opening the credit card. I get email notifications regarding their account including multiple past due notifications. I know that this account was not opened in my name because my credit is monitored. I tried calling the company to have them correct the email associated with the account and they were of no help. I do not want to get the emails but seems there is no way to fix the problem.

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 2021-06-22 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: Chime Financial Inc
State: CA

Complaint narrative:
I was in an XXXX heading home after a night out in XXXX XXXX in the early morning of XX/XX/XXXX. I have a phone / wallet with all my of ids and cards inside the wallet. I left my phone / wallet in the XXXX and it was stolen. The next morning, I looked at the account and someone tried to charge a ridiculous amount to my Chime credit card. Upon further review I see that someone spent money at the XXXX hotel and on gas that was not me the morning of XX/XX/XXXX. 

I reached out to Chime to complain and filed a dispute : Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2021 Claim Total : {$190.00} They came to the following conclusion : Investigation Results We reviewed your claim and have determined that there was no error that occurred based on the following : -With manual funding prior and after the disputed timeframe. 
-With valid transaction from merchant GUEST HOUSE in between the disputed transactions -The valid transaction from merchant Guest house was 10 minutes away from the location of disputed merchant XXXX XXXX Dining. ( Within your vicinity ) -We have determined that theres no fraud alert captured by the system during the disputed transaction The investigation made no sense to me because if someone stole my physical card, of course they would conduct transactions that would be close to each other.

Company response to consumer: Closed with explanation