vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have contacted XXXX  several times trying to get this issue resolved. I have notified via mail ( 3 attempts ) and calling them twice. I explained to them that Santander Consumer USA in the amount of {$27000.00} and XXXX XXXX XXXX in the amount of {$54000.00} are both fraudulent accounts that reflects my credit report. I have also contacted both creditors about this matter. I was advised to file a police report and Identity Theft Report which I have done. Neither of the other credit reporting agencies are reporting these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/11 I received emails from XXXX XXXX and XXXX that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have been participating in the Public Service Student Loan Forgiveness Program since XX/XX/2010. I have made my payments every month, on time and never missed a payment. I have been with the same employer for over 11 years and they continue to verify my employment certification. 

To date, I have 18 ineligible payments because they are in " pending review status '' or I was placed in administration forebearance ( which I did not request ) dating back to XX/XX/2010. I have requested a review of these ineligible payment and still have not received a response back. Each time I call, they advise that I just have to wait and will get back to me when they can. They explain that they can not give me an answer because it's in the hands of the department that handles the review. And customer service does not speak with this department to be able to check on the status and provide me any information. 

I continue to make payments towards my student loans but have made more than 120 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 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: GA

Complaint narrative:
you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

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 2021-04-15 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: World Acceptance Corporation
State: GA

Complaint narrative:
you meaning cfpb did absolutly nothing to correct this problem with world finance i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and world finance bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: GA

Complaint narrative:
you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: FL

Complaint narrative:
XX/XX/2021 Its been weeks and months and Ive gotten no response from Binance.US. I have over $ XXXX in my portfolio and I am unable to withdrawal to my bank or send to another crypto wallet. Please upvote to get my ticket responded to ASAP. 
I tried a small test transaction to whitelist approved wallet address as well as my bank account ( same account I used to deposit all funds ). I have had a Binance.US account for over a year. I am still getting the same withdrawals suspended due to risk management. I have had my past tickets closed for trying to get help on what additional info they need from me to mitigate risk and no response. 


Latest ticket number is # XXXX Update XX/XX/2021 Funds just shy of XXXX now I had two people from Binance.US respond to my ticket asking for XXXX material. I responded immediately with all the same/matching material and info as I signed up with. That was a week ago. I followed up to that email today and still no answer. 
The most helpful info I received was to reach out to my states Division of Securities to have them write a letter to Binance.US. A user here did that and received their funds along with Binance.USs attorney asking them to keep the situation hush. Its sad but I guess the only pressure they respond to is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
My funds have been locked on Binance.US EXCHANGE I have been submitting tickets to them and trying to contact them online on every single platform for the past 3 weeks I can not exchange trade withdraw or deposit I have no control over my funds what so every and the worst part is its frustrating to get a hold of them as if they dont even recognize their customers. 
They locked the account for no reason what so ever the problem is not from me its all their problem and now I am losing money and have been losing money for using their service and trusting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TX

Complaint narrative:
I was a victim of identity theft and which someone got an account under my name with XXXX. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2021-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
I bought my property in XXXX, my first mortgage was to XXXX and my second to ( XXXX ). The second mortgage disappeared and did not contact me for several years. In XXXX Trinity Financial, LLC, appeared on my loan and proceeded to collect payments. Trinity was charging about 12 % rate and they increased the principal balance from {$120000.00} to {$230000.00}. I started looking for assistance at XXXX XXXX XXXX XXXX ( Nonprofit HUD approved ) ( They modified my first mortgage successfully ). I started a loan modification with Trinity, and I was applying with HAMP. I summited all required documentations and Trinity reviewed the paperwork. Trinity declined the loan modification, while in the process of a loan modification they sold my property. I appealed the decision and they never responded to my request. During this time, I continued to make payments on my first loan. Trinity continued the foreclosing my property with notice. I contacted XXXX XXXX in XXXX, CA to file chapter XXXX. She dismissed my case without my knowledge. I am assuming that some arrangements were made with Trinity. I also, hired a second attorney XXXX XXXX in XXXX XXXX, CA. He filed another Bankruptcy XXXX, Mr. XXXX advised me that my property was protected due to the Bankruptcy. I have been trying to contact my attorney Mr. XXXX for months and he has disappeared. In the process of the BK Trinity sold my property to them self. I kept making payments to my first mortgage without the knowledge that my property was already foreclose. I was never notified by Trinity nor XXXX that my home was foreclose. I learned recently that Trinity has given my property for XXXX value. The company that Trinity gave my property is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. I WAS NOT ABLE TO FIND BUSINESS LICENSE ON THE ABOVE COMPANY. I am assuming that Trinity creates fraudulent companies. Trinity started to post Notice of Quit on XX/XX/XXXX and another notice on XX/XX/XXXX. My goal is to keep my property. I bought this home from my parents and have spent all my life living. My children have been raised here and it means everything to us. I am willing to negotiate a fair payment with the purpose of keeping my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
XXXX XXXX is still being reported incorrectly. The account is charged off but reporting the account is past due. I never made arrangements to pay anything. This account has also been re-aged. This account cant be verified as accurate, there is no record of sale for the vehicle. Without a record of sale, to include the price and a verifiable purchaser, their numbers are just numbers.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Having worked for Bank of America, I was able to see how they could care less about the consumer and more about the investors. Never in a million years would I have imagined that Bank of America would abruptly close all 5 of my credit cards for the simple reason that I had added too many authorized users. Having worked at the branch, it was widespread for personal bankers to tell the consumer that a good way to help establish credit is by opening a credit card. If the card application got declined, they would recommend having a friend or family member add them to their credit card as an authorized user to boost their credit. Not only is this very common, but Bank of America actually has a website with Better Money Habit where they recommend that. 

Straight from the website https : //bettermoneyhabits.bankofamerica.com/en/credit/how-to-build-up-credit " Another option to build credit : If you have a parent or other family member with good credit whos willing to make you an authorized user on his or her account, doing so can help you develop your credit history. '' Based on what I had learned from working in the financial industry, I added authorized users to my account to boost their credit. I never thought I was doing anything wrong. Well little did I know that this was going to come back and bite me in the XXXX. On XX/XX/2020, I found out that Bank of America had closed down all of the credit cards that I had with them with no warning whatsoever. I only found out about this because my card got declined when I tried to use it at a restaurant. I called customer service, and the reason they gave me was " irregular authorized user activity on one or more of your accounts. '' Bank of America has really screwed me over on this one. I don't know what kind of effect this will have on my credit score because not only did they closed over XXXX worth of credit but they also closed some of the oldest credit cards that I had. Having worked so hard to get to an 800+ and for it to be taken away from one day to another really sucks. I never thought I would be depressed over something like this or even have suicidal thoughts over it but honestly, this XXXX XXXX especially when you have worked your whole adult life to have a good credit score.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
National Credit Systems , Inc contacted me by mail on XX/XX/21 about a supposed debt. I asked them to verify the debt through mail and sent them my debt validation letter through XXXX certified mail with a return receipt. The return receipt was signed and my letter was delivered on XX/XX/21. On XX/XX/21 they sent me another letter threatening to report this debt to the credit bureaus if I don't pay it, seemingly ignoring my letter that they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Chime Financial Inc
State: NY

Complaint narrative:
There were charges that were unauthorized on my account and when I reached out to the merchant they advised they would help but then said they werent going to be able to do anything. I reached out to my bank, chime and advised them of what was happening and that I tried working it out with the merchant but Im being ignored and chime has not helped they denied my dispute 3 days after they supposedly started it and then wouldnt allow me to reopen the dispute ( appeal ) the decision until I threatens to reach out to the proper channels only for them to deny me but the charges are unauthorized and I need my money I dont have the luxury to be stolen from and not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During the XXXX pandemic. I was going through a financial hardship. I requested a relief assistant to defer my monthly payments. It was agreed not charge any interet or late fees. Wells Fargo fails to abide by the rules. After three months, I was able to continue making payments regularly. From XX/XX/XXXX up to XX/XX/XXXX I never missed payments. Wells fargo sent my account to collections agency. They said I can't get access to my loan until I bring account to current status. My bank statements shows payments proof and to wells fargo received on time. However, wellsfargo charges me over {$3800.00} for 6 months missed payments. Their information about my account is wrong. I need my refund back from them. They forward my account to collections and to XXXX XXXX as delinquent.

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DriveTime
State: VA

Complaint narrative:
XX/XX/XXXX. My supervisor sent me an email with a voicemail from a legal team from a private #. They called my employer and left a vm for them to call regarding my legal issues, which I have the forwarded email from my employers with the voice mail. When calling XXXX, the phone rung multiple times no introduction when answered but requested me to tell them about me with a reference #. Never let me know I was on a recorded line- asked me about my last 4 of my social which I said " mmmmm okay to. '' I said 17 year old debt for {$2000.00} in question. Never sent me any mail about this for over 10 years. Debt was for voluntary repo which was resold and written off in XXXX. Did not state whom they were until asked. I hung up and gathered my thoughts due to all of the scams going on and my phone being hacked recently. Called back to confirm their info and the 2cd caller did not introduce himself, was silent upon answering and I stated I was going to report and file a complaint, yelled at me to look out for a summons miltiple times. Kept asking for my # then reverse look up on the call. Stated debt from XXXX did not state debt was time barred past statue of limitatioms. I know my consumer rights to which they violated on 2 counts. XXXX XXXX in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
A collection company is listed on my credit profile under the name of Cavalry Portfolio Serv. The amount listed is {$290.00} dollars. It has a collection date of XX/XX/20. I have know knowledge of this account and I have disputed it with the listed company as well as the credit reporting agencies.This item still remains on my credit even after disputing this account and never receiving a response back from the company. As I continue to try to maintain a healthy credit profile, a small collection like this can impact it severly in a negative way. I am requesting that this account be seriously looked into or transfered to the FTC and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: MD

Complaint narrative:
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall being late. I need this problem fixed ASAP, I will not wait another 74 days to receive no response because clearly Im being ignored. I demand this accounts be updated immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove/update items from my credit report, it has been 74 days so they should be updated to pays as agreed promptly.

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 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Fraud checks were deposited into my bank of america account and XXXX XXXX account around XX/XX/2020 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 monetary relief