vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I deposited stimulus check of {$1400.00} prior to the cutoff time of 5pm est required by bank for check to be processed the same day and for funds to be available the next business day. Chime back is violating regulation cc by not making my funds available the next business day. Chime also breached the agreement set by the institution that states the the funds would be available the following business day. After speaking with chime, I am being advised that the funds would not be available until after the business day has ended. Chime is not only unnecessarily holding the funds but they took the liberty to repay the XXXX XXXX I was overdraft but did not make any other part of the deposit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have spoken with the Creditor and Equifax. Both companies are telling me the problem is with the other party and it is unresolvable. I have documents from the creditor stating that I have paid the debt on XX/XX/2020. XXXX and XXXX both report that the creditor has reached out and told them to delete the outstanding balance because the balance was paid in full. Equifax however, tells me that they spoke with XXXX and that XXXX told them the debt is outstanding. I do not believe XXXX and they are not helpful, and they have hung up on me at least 7 different times while discussing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
According to 15usc 1611 Experian TXXXX XXXX XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640.

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment.

Aslo, apologize.

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : XXXX XXXX XXXX 
Cc : State Senate.

Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency

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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: WA

Complaint narrative:
My discover checking account was compromised. 

A check of mine was stolen and altered. 

I very promptly notified Discover and was sent an affidavit to fill out. I also filed a police report to put on the affidavit. In fact, I called Discover to help me with filling it out. 

Discover is now informing me that the affidavit was improperly filled out because too many things were initialed. I very honestly filled this out and even asked for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MERFICAP, LLC
State: FL

Complaint narrative:
I had 2 years paying for my vehicle, and out of nowhere the financial company called Merficap repositioned the car a black XXXX XXXX XXXX I have not been able to get my car back and apart they have put a debt in my credit bureau. 

paid $ XXXX monthly and they have reported my credit for the total value of $ XXXX and aside an extra debt {$1300.00} These people who will send photos of evidence extorted XXXX $ extra to give me my car The owner of the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to 15usc 1611 XXXX TransUnion and XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title XXXX5 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : Better Business Bureau. 
Cc : State Senate. 
Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance. 
Cc : Federal Trade Commission. 
Cc : State Regulatory Agency

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 2021-04-13 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: FL

Complaint narrative:
According to 15usc 1611 XXXX XXXX and Equifax is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title 15 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau.

Cc : Attorneys General Office.

Cc : Better Business Bureau.

Cc : State Senate.

Cc : Federal Deposit Insurance Corporation.

Cc : Comptroller of the Currency.

Cc : Federal Reserve System.

Cc : Credit and Insurance.

Cc : Federal Trade Commission.

Cc : State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My account was permanently banned PayPal refused and balantly lied in my first complaint. My account was banned on XXXX the XXXX not over XX/XX/XXXX. My account was banned because of me get lump sum of XXXX from a friend for my stuff he bought. When I tried withdraw it be some this whole back and forth. They wasnt XX/XX/XXXX rewiew. One his agent got mad banned me again. That why it seems like I got 2 bans in which I recovered I am planning on suing this company. They steal money from people and pass it on. As for unemployment. My friend who recently got out jail. Used my PayPal account number to receive his unemployment. For a few weeks before I changed it. PayPal didnt have problem with than why have problem with it now. It been 200 days since the permanently ban. I just want my funds back. Tell the company to give me my money. PayPal is terrible scamming there innocent consumers. Worst part the guy who sent the XXXX was limited for 180 days but got his account back in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Every three months XXXX XXXX XXXX sales or sends an account to the credit bureaus negatively reporting accounts that do no belong to me. I have been the victim of ID theft, I am teenager and have never used my credit to obtain anything from XXXX & XXXX This is the 6th time my credit account has been defamed for this collection in the last 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: MD

Complaint narrative:
I filed for bankruptcy in XXXX under Chapter XXXX. My student loans through AES were listed as an unsecured debt. The Chapter XXXX Plan stated that no interest was to accrue on any debt, and that I was to make my monthly student loan payments to AES, outside the plan. AES admittedly refused my monthly payments, and put me in forbearance, at an 8 % interest rate. 

The final Trustees Report in XXXX stated, on page 1, item 10, that my student loans were discharged without payment, in the amount of {$84000.00}, because AES was to have accepted my monthly payments outside the Plan. AES failed to do this. AES received notice of the Trustees Report in XXXX, as well as the Discharge of Debtor Order. AES did not object or file a timely appeal. 

In XXXX, the United States Supreme Court held in United Student Aid Funds XXXX Inc. v. Espinosa, that an order of the bankruptcy court was enforceable, even if it was erroneous. In that case, the bankruptcy court listed the debtor 's student loans as discharged, and the creditor waited over a year to try to collect. The Court held the discharge order was enforceable since the creditor never objected or appealed. 

I have paid more than {$20000.00} to AES in the past few years, after the discharge. I would like that money back, with interest, and mu account considered paid in full. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I made an account with Binance.us, I have transferred my crypto into the account, and then I realized that they will only let me withdraw {$5000.00} worth of my crypto a day. I have {$100000.00}, that means it will take me 20 days to take it all out. My crypto is stuck, i can't trade or do anything with it. I need to take all my crypto out, so I started a support ticket and nobody is responding or helping me. In order to increase my withdrawal limit, they have to approve my address verification, they keep rejecting it because my bank statement has a po box and they don't support it. NOBODY is helping me, I desperately just want my crypto out of there, it's like they are holding it hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/2021, I sent XXXX to my kucoin wallet from Binance.US. 

Here is my email to Binance.US. Hi, I sent XXXX to kucoin with the incorrect memo. They are resending the funds to my Binance.US account but they are not sending it with a memo. So please, can you help and make sure the funds get back to my binance.us account? 

Here is there reply : Thank you for contacting Binance.US customer support. Forgotten/incorrect memos are common with the following assets : XXXX ( Binance Token ), XLM ( XXXX  XXXX  ), XXXX ( XXXX XXXX, XXXX, and a few others. 

To get this credited to your account, we need you to provide us with some additional information. 

There is also a No Memo deposit fee of 5 times the withdrawal fee. The amount that will be credited to your account will be slightly smaller than the amount that you deposited. You can find more information on our No Memo/Tag fee here : https : XXXX At your earliest convenience, please send us all of the following information. 

* TXID : We need the full transaction ID ( TXID ) for the deposit that is not showing in your account. Please copy/paste the actual TXID and send it in text format as we are unable to transcribe screenshots. 

XXXX Video : We need a video of you with your face clearly visible saying all of the following into the camera Today 's Date is ( date ), the name of the coin is ( coin ), and deposit amount is ( amount ). This is to confirm that you are the owner of the account and that you authorized this transaction.

* Screenshots : We need a screenshot of your wallet/exchange that clearly shows the transaction details such as * 1. The name of the coin.

* 2. The amount of the transaction.

* 3. The date of the transaction.

* Attachments : Attach the video AND screenshots here in this chat, and send all of them to us. 

After we verify the video, we'll notify our technical team to recover your assets and attach them to your account. 

~~~~~~~~~~~~ Also, I withdrew 62 HNT from my Binance.US account to my wallet. The process says its processing as of XX/XX/2021. So all in all, Binance has about {$4000.00} of mine and have not given it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
I paid off my mortgage to Planet Home Lending and refinanced with another bank. Planet Home Lending ( PHL ) sent me a check for the accumulated escrow for {$3900.00}. I deposited the check with my bank, XXXX  XXXX XXXX. XXXX had the check returned to them from PHL unpaid and the funds were withdrawn from my account. I contacted PHL and was told to submit the paperwork that XXXX had forwarded to me regarding the non honored check which I did email to them on XX/XX/2021. I keep being told that it is being looked into as to why the check was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Transcontinental Credit & Collection Corp
State: MO

Complaint narrative:
XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX, 2020, my US Bank credit card debt totaling {$11000.00} disappeared from my online banking dashboard. At the time I believed I had a payment plan in place when in fact I did not. I was never notified in writing through the mail or electronically as to this status. About a year later I found out about it through a credit check. I contacted US Bank Collections and scheduled a payment plan to which they were unwilling to provide me any documentation for. I needed that documentation to resolve this issue with another agency. The lack of transparency and communication is predatory and harmful to the consumer.

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a small business accounter holder with Wells Fargo. On Tuesday XX/XX/2021 I've sent a wire to my supplier in XXXX XXXX. It was an online wire transfer like many times before. This time for some reason the intermediary Bank ( New York  XXXX  XXXX XXXX ) got the wire transfer information missing the account number of the beneficiary. New York  XXXX  XXXX XXXX contacted Wells Fargo asking for the missing information. As of today, XX/XX/2021 Wells Fargo has not contacted the New York  XXXX  XXXX XXXX with the missing information. Last Friday XX/XX/2021 after figuring out what was going on I contacted Wells Fargo with the help of my branch manager and they started a claim. Case id # XXXX and they told me it could take 5 business days. Today after calling they told me it could take 10 business days due to backlog. My complaint is that all I need is someone to contacted New York XXXX  XXXX XXXX with the missing information already provided. This would take a couple minutes. This was a mistake not caused by me but a glitch of some sort. I don't think it is fair that a wire of US {$34000.00} that is going to be used to purchase goods to be on hold just because Wells Fargo does not have the competency to fix a very simple to fix problem. Thanks for your time. Please help.

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC
State: KS

Complaint narrative:
Company has failed to deliver notice of debt in writing and have called multiple times to get information regarding debt. Further, if this account is mine, the information they report is inaccurate as i have never owed a debt of XXXX to any rental company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
student loan is more than 10 years old im attempting to purchase a home and this loan reporting is making my debt to income ratio high.

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