vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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: KY

Complaint narrative:
I have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act the Fair Debt Collection Practices Act. Stern Recovery Services has placed a derogatory collection account on my credit report that I have no knowledge of. The alleged debt that they are attempting to collect on is in the amount of {$540.00}. The original creditor is XXXX XXXX. 

I have no knowledge of this account and was never notified of my right to dispute and didn't even know I could dispute this matter based on the above mentioned Federal laws and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX at XXXX AM, I called Regions Bank teller, XXXX, and informed her that five fraudulent checks had been processed and paid in my medical practice account. I was put on hold for 18 min. and the teller never came back on the line. I called the bank branch 's alternate different phone numbers and there was a busy signal all day, on all the lines. 

The signature on the checks was not mine. My signature was not forged. There was a different name I did not recognize on those checks. Also, the check numbers were grossly out of sequence. 

I also sent an email to the XXXX XXXX, XXXX XXXX, on XXXX, to alert him to the problem. No return phone call. I have been a customer of the bank for 39 years. 

The next day, XXXX ( Weds. ), another 20 checks with signatures that were not my name were processed. I was out {$7800.00} due to fraudulent checks, not including bank fees. I went into the branch that day and informed the branch XXXX that I needed the funds stolen to make payroll. I asked, when could I expect a refund of the theft and bank fees. The XXXX XXXX opined that it might take at least 15 days. He opined to my wife, my office XXXX, that we ( myself & my wife ) were the most likely suspects as perpetrators of this theft. 

At first, Regions Bank wrote that no credit to my account would be forthcoming ( see attached ). I contacted my lawyer who contacted the XXXX XXXX for the bank in XXXX, AL. This resulted in a provisional credit being issued. The bank XXXX was flabbergasted. 

In discussions with other Regions Bank bank personnel, I was informed that this type of theft occurs regularly. When I tried to obtain results of the banks efforts investigating this theft, even over a year later, I was informed that this information will not be shared with me. 

I did file a police report with the City of XXXX XXXX police. The investigation was opened and closed w/o discovering a perpetrator. 

On or around XXXX, I was told that my Regions Bank account of 39 years was being closed. I asked why. Various bank officers said they did not have to give a reason. 

I would like to know why the bank 's computer program that verifies customer 's signatures did not identify a problem-for two days running. Why the check numbers, being wildly out of sequence, did not raise a red flag, for two days running. Why I was hassled with two accounts, which at times required over an hour to transfer funds. Lastly, why did I need to retain a lawyer and pay legal fees to obtain the funds timely that were stolen as a result of the banks lack of controls and oversight. 

My legal expenses and my own personal time lost should be covered by Regions Bank. 

Finally, has Regions Bank identified the perpetrator and solved this allegedly recurring 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 2021-06-20 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

Complaint narrative:
Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time XXXX email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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

Complaint narrative:
Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time I email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account Owner - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TX

Complaint narrative:
hello this is the second attempt trying to correct erroneous and inaccurate information in my credit report I have been disputing for more than 8 months the errors in my credit report and experian has never responded to my disputes the first attempt through this portal It was XX/XX/2021 and they responded that they needed to verify my identity by asking for documents, which I sent them via certified mail everything they asked for and if I responded to the first complaint and even so they did not respond to me, here I leave them all the evidence and what they asked me and what I sent them by certified mail all the documents were received on XX/XX/2021 my full legal name is still wrong, previous address that I never lived there are still on my credit report and, inaccurate negative account so you did not respond you are in violation of the FCRA federal law requires you to respond within 30 days of you receipt of my letter and has now been over that period since you receipt of my letter so you failed to comply with federal regulations by credit reporting agencies are in serious violation of FCRA so you must remove the negative listing disputed

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 2021-06-20 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: KY

Complaint narrative:
I have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do

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 2021-06-20 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: IL

Complaint narrative:
On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response

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 2021-06-20 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: MN

Complaint narrative:
I sent out my first dispute letter to Equifax ( notarized ) on XXXX XXXX and they had thirty days to respond within that timeframe. They responded back and sent me my dispute results which I have uploaded as well. It clearly states the account status updated, payment history, and negative remarks removed / changed. I refreshed my credit report and got a notification from my monitoring app that the status was changed updated or changed back. They did not notify me at all of this change via mail since they have sent me my results after the investigation period. This has negatively affected my ability to obtain new credit and a mortgage loan. They never provided any proof as I requested in my letters from the original creditor, they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Coinbase, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I put XXXX on a bitcoin through XXXX  it went through fine on their side but when I went to check and finish set up on Coinbase wallet they had cut me off and I went to check the wallet it said wallet not found I never got to finish setting up my coinbase wallet and can't access my bit coin at all. The second time it happened on XX/XX/2021 I put XXXX on another bit coin on XXXX. The transaction went through again fine on XXXXXXXX XXXX side but has never showed up in my bitcoin wallet on XXXX. I have emailed support several times from XXXX and Coinbase and have not had gotten a response back from either one. There is no phone number to call just email or text also texed both companies and once again no response back.I put cash in the bitcoin machine and have the recipets to prove the money was put on there. But, has never showed up on the coinbase wallet or on the XXXX  wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Account XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX, is showing two missed or late payments, this is false i have provide a letter form the creditor stating this is false and should be showing never 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 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
after cancel a dispute with bank of america.they went a head and order a merchant to give them money said i made a dispute with them.hence forth money was taking from the recepient account where i had to pay him back.i asked the give me funds that they requested from XXXX XXXX.they refuse to give me back my money.and on top of it they keep stealing money from my account every week i asked about my money they refused.the amount that was took away was a XXXX and bank of america refuse to give me my money

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 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
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. My acc 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 ( 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: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Fraudulent accounts * Navy federal cr union {$6700.00} XXXX XXXX * Navy federal cr union {$14000.00} XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
On XX/XX/XXXX I contacted Midland Funding about a debt in the amount of {$940.00} that was disputed twice and they could not provide proof of amount owed, date the debt was sent into collections/charged off, they could not prove the debt belonged to me or any information from the original creditor or anything about the original trade line. I would like this debt removed and for it to be no longer reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from XXXX. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: IL

Complaint narrative:
On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: IL

Complaint narrative:
On XX/XX/2021 I notice there were inquiries add to my credit report and filed a identity theft report with all 3 credit bureaus asking them to remove the inquiries however I never received a response and its been well over 30 days with no response

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 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
This company contacted me about a debt they said they bought I requested verification they said they are going to mark as disputed and request the creditor send me the info I found out yesterday they reported to my credit file in direct violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I opened an account with Binance.US crypto trading exchange at the end of XX/XX/2021. My account was locked or disabled on XX/XX/2021, and my money had been held XXXX after I had successfully wired transfer money to their exchange on XX/XX/XXXX at XXXX. I had at least {$15000.00} or more on the exchange at the time. XXXX XXXX, I tried to logging into my account and it kept saying error. On XX/XX/XXXX & XXXX, I submitted a few tickets and reached out to customer support on XXXX for help. They responded saying they escalated my tickets within a day or so and sent a few emails to Re-verify my identity. I followed the various requests ( selfie and video holding my driver license ) and got an email confirmation on XX/XX/XXXX at XXXX with ticket # XXXX stating that my 2FA reset verification process is now completed and invited me to log back into my account. But when I clicked the link XXXX XXXX XXXX it said my account is disabled and to contact support. On XX/XX/XXXX at XXXX, I submitted another ticket # XXXX for customer support to resolve my case but I still havent received a single email confirmation from customer support since XX/XX/2021. I presented my case to customer support on XXXX and customer support had escalated my case on XX/XX/XXXX and has not been followed up within the XXXX hours as stated in the response. It has been re-escalated six or more times since and I still havent received XXXX single email confirmation from customer support. Ive noticed peoples cases on XXXX were escalated and resolved within XXXX hours because they stopped tweeting Binance XXXX about their accounts being locked. I feel my case is being ignored and discriminated. I had filed a complaint with XXXX  on XX/XX/2021. This has caused major financial, emotional, and XXXX distress in my life. I had emailed XXXX XXXX, XXXX XXXX ( Head of Regulatory and government Affairs ), XXXX XXXX ( compliance & risk manager ), and customer support every other day and still havent heard from them. I had reached out to XXXX XXXX and XXXX XXXX ( CEO ), and customer support on XXXX almost every day and got canned response we have escalated this to our team, cases usually receive response within XXXX. I still havent received a single email response since XX/XX/XXXX at XXXX. Please help me resolve this issue so I may resume back to my normal life. Thank you for understanding and looking forward to the update and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems refuses to investigate my dispute. I have opened 3 separate disputes and the company has not provided any proof that the debt was incurred by me. They continue to send collection letters by mail. There website gives no option for dispute and my call was disconnected when to attempted to call. They continue to ignore the dispute process and attempt to collect on an account that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery has been attempting to contact me at XXXX. The previous individual who had this number apparently had significant student loan debt, and I am called daily regarding this. After answering a call, I asked to be removed from their calling list and am still being called daily. 

I have no debt and a clean credit record ; there is no reason why they should be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
1- They try yo push me to pay {$1100.00} for wind/storm insurance, the period XX/XX/XXXX through XX/XX/XXXX. 
While I already had a policy XX/XX/XXXX through XX/XX/XXXX. 
2- They claim payment in XX/XX/XXXX for a period expired in XX/XX/XXXX. 
Never heard to pay for XXXX insurance in XXXX, it is always paid in advance. 
I called and mailed snd emailed hundred times, no one seems to understand or even care. 
I Mailed and emailed them a copy of that expired policy, highlighted the paragraph that says named wind/storm with a1 % deductible, they dont want to even read or understand.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation