vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have three hard inquiries on my Experian credit report from XXXX  XXXX XXXX. I did not apply for credit with this company. I called experian and XXXX  XXXX XXXX to dispute the inquiries but have not had any 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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
They trying to collect a debt from XXXX XXXX that I never had.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
the bank its reorganizing the transactions at their convenience, even if I have money on my account and I buy something with my debit card a week later It will charged me an overdraft fee. i spoke to customer service and they are not interested in giving me a solution also I be charged a maintenance fee when I was told that if I have direct deposit I wasn't going to be charged. 
I am very frustrated because since XXXX to now I ve charge XXXX in fees and every month its a average of XXXX per month since I open the account

Company response to consumer: Closed with monetary relief
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've reached out to the three major credit bureaus, XXXX, XXXX and Transunion to dispute a inaccurate information listed on my credit report. 

The first inaccurate information listed was a collection account. The account was posted to my report in XXXX of XXXX. All the bureaus had a different address for this collection company and I sent out three separate letters asking for verification on XX/XX/XXXX after trying to dispute with the credit bureaus. When this account was posted to my report on XXXX of XXXX, it had a balance of {$4900.00}. With no payment from me the amount was then updated to {$4000.00} on XX/XX/XXXX. I disputed this account that they are in violation as the information is inaccurate because the collection company can't seem to provide a one specific balance. Because I wasn't getting a response to my concern, I took screenshots directly from my report so they can address the exact problem and my concerns are not being addressed. The results just keep coming back as verified and updated but the information that is being updated to is still incorrect. One of the collection agency, XXXX didn't even had a balance for months just a name. 

The second item is the payment history on two of my accounts. One for a closed car note and another for student loan account. 

The car note is listed as 30-day and 30-day late in XXXX and XX/XX/XXXX on XXXX  and Transunion however on XXXX  it them shows 60 and 60 with no prior late payment. How is this possible. It is inaccurate. 

The Student loan shows 60-day late in XX/XX/XXXX with not prior 30 day late notice, again how is this possible? It is inaccurate and needs to be updated. 

I've reached out several times and nothing is being done to address this violation. I will attached the letters sent advising the bureaus of the inaccuracies.

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: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Violated the FCRA law. This has been on my report since 2007 XXXX XXXX account # XXXX they keep deleting it the putting it back on my credit report

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 2021-04-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX JPMCB- CLOSED IN XXXX YET ITS STILL REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: TX

Complaint narrative:
I have credit XXXX account and found that JHPDE Finance 1, LLC, also with XXXX XXXX serviced by XXXX XXXX XXXX that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.

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: MI

Complaint narrative:
XXXX  and XXXX  reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  and Equifax reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
AFTER A FUDGED BEGINING, AFTER I TOLD THEM I DID NOT WANT IT, AT TWO OFFICES, XXXX XXXX AND XXXX XXXX XXXX WITH A PHYSICAL NOTE TO THE FOND XXXX XXXX OFFICE ( BUT ORIGINATION WAS A XXXX XXXX I FIGURED MAYBE THEY WOULD PAY ATTENTION TO ME ) THAT I DONT WANT THEIR LOAN ONLY AFTER THAT THEY SAID THEY SENT A CHECK IN THE MAIL. 

RIGHT AWAY I SAID THAT IS LIKE THROWING ITIN THE AIR SINCE MY EX AND A WOMAN GO INTO MY MAIL BOX THAT IS 1/4 MILE FROM MY HOME AND WITH A HILL INBETWEEN SO I CANT SEE WANT IS IN THE MAIL BOX. I NEVER GOT IT. SO I TOLD THEM THEY NEED TO SEE IF AND WHERE THE CHECK WAS CASHED. I ALSO GAVE THEM A NOTE ON THAT. 

I SWEAR I NEVER RECEIVED IT. i NEVER GOT A RESPONSE IF THEY FOUND OUT ABOUT THE CHECK!!! YET THEY ARE CHARGING ME HIGH INTEREST AND NOW MAJOR THREATS TO MY ASSETS. IT IS LUDICROUS THEY ARE DOING THIS. PLEASE TELL THEM THEY MUST FIND THE COPY OF THE CASHED CHECK TO SEE WHO CASHED IT!! THEY ARE RUINING MY CREDIT NOW WHEN I AM ABOUT TO REFINANCE MY HOME!!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove not mine fcra vioaltions : XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, SC XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: TX

Complaint narrative:
I have credit XXXX account and found that XXXX XXXX XXXX, XXXX, also with XXXX XXXX serviced by Lending Club Corporation that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.

Company response to consumer: Closed with explanation
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: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess XXXX Ch 187, 188 1867 Pg. 546. XX/XX/1867, CHAP XXXVIL

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 — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance Locked my account even though I deposited the necessary money to cover my negative balance. Im unable to purchase or withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid my care credit card off. After I paid it off they drop my credit line from {$1500.00} to {$100.00} I only use this card to take my animals to VETS now I cant even do that but with this credit card company did. This is not the first time they have done this to me I had a gas card with them paid my bill every month on time and they canceled my card something needs to be done about this company. I am sending a copy a bill showing it was paid in full never missed a payment never been late. They tried to charge me interest and late fees many times when my bill had no interest and was paid on time and not late and I called and complained about it. They are discriminating me due to my credit rating and drop that is discrimination they get their money every month

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sierra Holdings LLC
State: PA

Complaint narrative:
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had cashed out on XXXX  XXXX  for the amount of {$490.00} on XXXX at XXXX, was supposed to be sent to my Bank of America checking account and I never received the funds, Bank of America says they cant help me and to contact XXXX XXXX. XXXX XXXX send me the transaction summery and says that they sent it to my account and Bank of America has my funds.

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: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MT

Complaint narrative:
In XXXX, Binance locked US users accounts to follow us regulations. I was unable to transfer out of the currency I had and I panicked, so since it was an ethereum token, I transferred it to binanceUS ethereum account. Now its frozen in their wallet. I reached out to them first on XXXX and after a couple weeks they responded that I needed to send them my wallet address and a fee of XXXX bitcoin for them to take care of it in 5 days. I did this immediately and gave them permission to take the fee through email. 

Since then I have been put off and ignored. I filed other service tickets and was told the same thing. This was over the course of XXXX months. I finally got another response on XXXX that they would handle it, then again nothing. We are now approaching 4 months that they have had my {$40000.00} worth of tokens tied up. 

I started pressing them on XXXX so everyone could see, and they had the time to block me but not fix my problem. They post continuously how much money they are making and its really hard to watch. 

I feel they are lagging in their response to keep peoples money. Theres thousands of complaints on XXXX and XXXX, so you can XXXX how much money theyre making. We just dont know where to take the complaint or theyd have many more. 

Is this the right place to complain and do you have any other avenues of complaint where I might be able to get my {$40000.00} back?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the XXXX -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Purchased 2 x R/T tickets trans- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA ) XX/XX/XXXX for {$4400.00} for a trip in XXXX of XXXX Norwegian canceled my flight on XX/XX/XXXX -- and suspended virtually all transatlantic flights at that time. 
In lieu of a cash refund I accepted flight credit ( cash points ) with NA anticipating that they would continue to fly trans-Atlantic On XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection and suspended its flight credit program indefinitely ( Breaking the deal I accepted ). 
Services Not Received as XXXX XXXX did not supply the agreed flights or will supply the flights in the future. 
I have contacted NA trying to resolve the issue however, they are stead fast in abiding by their policy that I accepted a refund in terms of cash points. I have explained to them that I will never be able to use them because they have discontinued all trans-Atlantic flights. I even asked if they could transfer my points to another carrier and they declined. 
I filed a dispute with CaptialOne but, CapitalOne does not support my claim saying that I had accepted the merchants refund and there is nothing they can do. 
The Fair Credit Billing Act allows credit card users to dispute charges when a merchant does not provide the service as agreed. The agreement with XXXX was transportation from the USA to Europe which I paid for and the airline was unable to provide and will not be able to provide in the future due to their new business model of becoming a regional carrier only. The next agreement was a flight credit for transportation from the XXXX to Europe. I accepted that agreement and then XXXX revoked the deal. XXXX has given me nothing in return for my {$4400.00} and CapitalOne has not protected me from this lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To Who May It Concern, This company has failed to comply within the 30-day timeframe of this letter. I recently pulled my credit report and I was notified of this collection that was taken out without my consent. I do not believe that this debt is accurate. Under the FDCP Act, I have the right to request and receive validation of debt. However, I do believe that this debt is not mine. According to the FDCP, this debt should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: TX

Complaint narrative:
I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation