vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
On XX/XX/2021, I submitted a ticket to Binance.US requesting deactivation of Two-Factor Authentication on my account. This was necessary because my phone was replaced suddenly and wiped by my employer which prevents my access to XXXX Authenticator. Binance.US responded initially same-day with an automated email requesting 1. a photo of the ID I used to register my account ( drivers license ) 2. a selfie of myself holding the drivers license 3. a video of myself holding the driver license saying : " Today is XX/XX/2021, I am requesting to reset my account XXXX for my Binance.US account associated with XXXX. '' This information was gathered and immediately sent to Binance.US support via email. I have heard nothing back from Binance.US. My additional emails to them only create new tickets with automated responses. Today is XX/XX/XXXX and while I haven't been waiting nearly as long as other people, reports of Binance.US abysmal support compels me to begin this process so I can regain access to the ~ $ XXXX held in my account on the Binance.US exchange. 

Original ticket # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2021, I mailed a letter to Experian and XXXX about 4 negative accounts that were removed from my XXXX  Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and Experian and XXXX refuse to remove them like XXXX  did. Also, I have not received a response letter yet and its been more than 30 days.

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 2021-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, In XX/XX/XXXX, I called Bank of America because I noticed a fraudulent transaction on my account of {$87.00}. I called my bank and they were able to see this merchant " XXXX XXXX '' in XXXX has made 3 other transactions since XX/XX/XXXX. I was unable to catch on to the previous transactions because they were small amounts that I did not catch on to. Bank of America refunded me a total of {$330.00} for these charges. I did not authorize anyone in XXXX for these transactions and I was not in XXXX, nor have I been out of the country. The fraudulent transactions were for the amount of : Claim # XXXX XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$66.00} In XXXX, I got a message from Bank of America stating that these transactions will be taken out of my account because there was a delay in reporting the fraudulent transactions. Again, I called them in XX/XX/XXXX when I saw my bank account with a charge of {$66.00}, that is when the representative notified me about the previous amounts that the merchant used my card for. My bank said in order for me to get my money back, I needed to fax in a written statement stating I did not make these charges. I faxed over my written statement and it was in the process of review. 

On XX/XX/XXXX, I got a message from my bank stating my claim was denied. I called the claims department and the supervisor said there is nothing they can do and they would deduct the funds on XX/XX/XXXX out of my checking account. 

Bank of America is denying my claim of {$330.00}. I was not in XXXX and did not authorize those charges. Please help me get this resolved as I work hard for my money and these were absolutely fraudulent.

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 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: ME

Complaint narrative:
Hello, Im not sure if you are aware about the unfair practices going on with banks and mortgage services, where their lenders are in forbearance, due to the COVID-19 pandemic. I would like to shed some light on this. 

I was on the phone with my current mortgage lender ( Flagstar ) for over an hour. Flagstar took over the original mortgage loan I had with ( XXXX ), in XXXX. Flagstars loss mitigation task force, is offering me a loan modification agreement, that would add the missed months of payments ( approx. {$28000.00} ) to my current principle. This would make my principle more than it was when the original loan was taken out to purchase my home.

Flagstar is doing a very good, creative, and in my opinion, deceiving job of making this option sound good. They are doing this to make people sign up and agree to the modification terms, which do have a lower interest rate and does lower the monthly payment, but adds a significant amount of money to the principle. Flagstar is also saying that this is the only option that the VA approved. This is a flat out lie. The VA is an insurance provider, not a bank. They dont have a say in how the lenders lend, the VA just guarantees the loan. The bank could extend the months missed to the original loan and make everything right, but the banks are looking to make an unfair amount money and they are trying to benefit from a world pandemic. 

My original loan servicer ( XXXX  ) offered me a deferment option while I missed payments from XXXX to XX/XX/2020. XXXX  informed me that I could add the missed months to the end of my mortgage agreement, but since FLAGSTAR took over my loan in XXXX, they will not uphold the same agreement. FLAGSTAR is allowing all other loans ( like FHA loans ) to add the months to the end of their mortgage, but FLAGSTAR says they can't do it on VA loans, because the VA doesn't allow it. This appears to be very coincidental timing on FLAGSTAR and XXXX XXXX  part and appears to be investment fraud, given the perimeters and financial gains FLAGSTAR will obtain due to these unfair loan modifications. 

I am very concerned that my fellow veterans are going to come to the realization that they were just mistreated / misled and agreed to something that makes them worse off. In my experience, with my fellow Vets, we dont take it so well when we feel like someone, some organization, or XXXX forbid our own government wrongs us. Veterans do the right thing for the right reasons, even when no one is watching. 

Please assist me and my fellow veterans in this matter. 

Respectfully sent, 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 2021-05-11 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the SANTANDER account. I have indicated that the account that appears in delinquency that I have sent on several occasions is SANTANDER not Firstbank who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: PR

Complaint narrative:
Greetings On XX/XX/XXXX I wrote about a situation that occurred in my credit report with the XXXX account. I have indicated that the account that appears in delinquency that I have sent on several occasions is XXXX not XXXX who acquired my mortgage. It was sold in XX/XX/XXXX and a delay that they report as 90 days is XX/XX/XXXX. Every time I write it is a situation that affects my credit more with incorrect information. I have sent you my credit information from XX/XX/XXXX to XX/XX/XXXX without any response. My account has always been paid well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
When Simple transferred to BBVA on XX/XX/XXXX I was unable to access my account information, receive deposits to my account, or use my card. Using the customer support line provided resulted in long wait times, and the line would hang up on me multiple times. There was no other customer support provided and no information on when the problem might be resolved. I had to call a local branch in a different state to have my account password reset so I could access my banking info four days later on XX/XX/XXXX. Furthermore the information they provided me about my routing number staying the same was untrue, my routing number had changed making XXXX XXXX bounce and so I had to use a different bank to transfer my money into, I only found all of this out days afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$7300.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 7 years and it has been hurting me and credit the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MI

Complaint narrative:
My husband and I decided to remodel our home 's floor. so we went to The XXXX XXXX located on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX and we met XXXX , sales representative. We picked what tiles we want and everything else. So the sales rep offered us a financial help with their store credit card for 12 months free interests suppose to be a promotional they had at that time, free interest for 12 months period that's what he told me. So on XX/XX/XXXX same day, he ran my name and my social number and I was approved for {$17000.00}. so we made that purchase for the tiles for {$6600.00}. after we received the tiles, and after about few weeks we received the first statement from the tile shop credit which is backed up by Comenity Bank. when i got the statement i found out the promotional free interest was only for 6 months not 12 months like he told me. anyway the balance was high and the tiles were home so i couldnt do anything, i was afraid if i call them and complain they will tell me to pay off the whole balance and i didnt have the cash at the time. so when my promtion was going to expire on XX/XX/XXXX i tried to lower my balance as much as I could to avoid paying to much interests. so i lowered my balance to {$3300.00}, and when i got my recent statement i was shocked to see they charged me {$870.00} in interests. i never expected to be this much, i know i have a balance due and my promotional rate ended but i didnt know it was going to be this much interests. so when i called them and talked to them they told me oh these were held interests for the 6 months for the original balance and i will have to pay them if i dont pay my whole balance before my promotional expires. i told them, i wish i knew that, the sales rep promised me 12 months free interests, and he told me they are free interests for 12 months, he never told me they were held interests. i thought their store credit card is just like all the other credit cards with their promotional deals for 6 months free interests or 12 months free interests. now they cant do anything about it, they dont want to wave the interests, they dont want to give me a break or help me even though i offered to pay my whole entire balance today. We feel we got scammed with this credit card, i would never opened that card if i knew the details, i was never going to apply for it if i knew is going to be only for 6 months, they played us The tile shop and their Comeity bank, i feel this is not fair and its not right, and if i dont pay they going to ruin my name and my credit. i feel this is a fraud from the sales rep, the company, and the bank, we feel trapped now and no way out of it until i pay their interests. please help me to wave the interests and make them stop doing that to other people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 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: MA

Complaint narrative:
I checked my credit report on Experian. To find a US SMALL BUSINESS ADMIN loan which I did not do. I have called US SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the US SBA. In regards of it not being me .Please advise

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 non-monetary relief
Consumer complaint received 2021-05-11 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and XXXX to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to XXXX, XXXX, and Experian to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me. 

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
date XX/XX/2020 inaccurate address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX accurate address for that date to present is on report : XXXX XXXX XXXX, XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been offered a " work study job '' sent to my school email talking about helping a person make payments on his behalf on XX/XX/2021. This is that email. 

XXXX You were referred with 10 other students from the XXXX XXXX XXXX XXXX XXXX to work and study for {$400.00} weekly, XXXX XXXX and XXXX XXXX looking for you to fill up this available position! 
If interested, kindly send your phone Number and personal email address for better communication for more details also needed. 

Regards , XXXX XXXX XXXX This person then sent me this. 

I work as a XXXX XXXX for the department of XXXX XXXX and XXXX XXXX ( XXXX ). I provide individual and group therapy, coaching, assessment and academic screenings to support students with XXXX ( XXXX, XXXX, XXXX, and XXXX ) registered with ( XXXX ). A large percentage of the students served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need XXXX health support to be successful at the university. 

Guideline & Benefit as follow : **Weekly payment {$400.00}. 
**6-8 hours weekly ***Instruction on the first task will be sent via email. 
**You will only help me Mail letters, make payments at XXXX and purchase some Items when needed. 
Provide me with the following details below to Apply : Full Name : Full Address : Apartment number : Current Occupation ( If Any ) : Gender : AVAILABILITY : How often do you check your email daily___________? 

I look forward to a long-lasting working relationship. 
/ Sincerely , XXXX XXXX XXXX fell for this and did it. I was told to buy business check paper and print out a check that was emailed to me. I then was told to make payments through XXXX to emails I was not sure about. There was 5 total. 

4 Through XXXX connected to BB & T XX/XX/2021 of {$350.00} through XXXX XX/XX/2021 of {$500.00} through XXXX XX/XX/2021 of {$350.00} through XXXX connected to my bank XX/XX/2021 of {$300.00} through XXXX XX/XX/2021 of {$400.00} through XXXX Total of {$1900.00} I then realized that this job does not match up with the job description and I copy and paste the email into XXXX and found multiple websites with the exact same email with different names saying it is a scam. I have contacted BB & T ( my bank ), XXXX, and XXXX and I am unsure if I can reverse the amount since I authorized the payment on my behalf. I have included the emails and some screenshots of the text and can send more.

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 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I arranged to buy tickets for a comedy show from someone on XXXX. He said he was going to transfer the tickets to my name ( to arrive via email ) and showed me a screenshot of a seemingly valid ticket confirmation. I payed him {$250.00} via Venmo, as agreed, and never received the tickets. He then blocked me on XXXX and is not responding to my calls requesting a refund. I contacted Venmo 's customer service and was told they could not help me recoup my money. They suggested filing a police report, which seems like a completely unrealistic, dead-end non-solution. 

The phone number the scammer gave me is XXXX. 
The Venmo account I sent payment to is : @ XXXX. Name : XXXX XXXX. Transaction ID : XXXX His XXXX handle is : XXXX XXXX XXXX ( @ XXXX ). He has blocked me on twitter so I can no longer message him. I have attached some screenshots below. 

I also contacted my personal bank, XXXX, to stop the payment. But it has not showed up in my list of transactions yet, and the XXXX representative said the bank can not contact Venmo to stop the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MD

Complaint narrative:
I disputed multiple items. The account dispute center shows outcome PDF. Some of the dispute PDF are accessible and will open, but the other half show document not viewable. 

I called Equifax 8 times on different days and times. Only once have I spoken to someone who could attempted to help and she said there was nothing she could do to help. 
7 of the times I spoke to a rep but told to call back. 

I would like to view the outcome of the dispute. 

I also called to add a personal statement to the disputed items, but told they couldnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI

Complaint narrative:
third party attempting to collect a debt that was settled. I was not given full disclosure for contract. Nor do I have any contract with company attempting to collect a false debt.

Company response to consumer: Closed with non-monetary relief