vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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: AR

Complaint narrative:
Good morning CFPB, My name is XXXX XXXX! I'm here to report BAM TRADING known as Binance.US, I have previously file a complaint about them and they responded by telling CFPB one of there representatives are going to talk to me to have my wiring information to send my money to me, we'll long story short, someone get a hold of me, His name is XXXX from Binance.US, He have me signed a Docusign form and fill my bank information with it and after all of this they said they're going to send my money to me, since after that no funds have been sent to me. 

This is 2nd week ending and no one will tell me what's going on, I feelt like Binance.US deliberately don't want to refund my money! Holding it hostage for no valid reason 's, XXXX Binance.US representatives keep telling me it's waiting approval, XXXX? Over 2 weeks approval to wire my funds, I don't seems to understand this anymore, Please help '' This is shameful for a company of that reputation to be frustrating t and trying to stole from there customer 's!

I need my money to pay off my mortgage, I'm behind and Binance.US are not ready to sent my money even after have done all they wanted from me... Agencies need to look into that company because they're doing this to a lots of people out there and this is wrong.. I'm just pleading with them to please send my money to me, I'm tired and frustrated right now. Thank you so much CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is the consumer reporting agencies to report accurate information on a consumers report. I took a look at my reports and saw that the credit bureaus are reporting a payment was captured XXXX of XXXX but both bureaus are also stating that the last payment date as XX/XX/XXXX and the account is current. How is this possible? It is illegal to report inaccurate information and I am requesting that this late payment remark is removed.

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 2023-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hi, The company keeps calling and harassing me that i need to give back the car when in fact I mailed a check and they deposited the check and it also shows ' online that its paid in full. they call me every day and as many times i tried telling them that we paid in full they don't listen. i also need to get title ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A balance transfer was requested by myself on XX/XX/XXXX, from my new XXXX XXXX XXXX XXXX credit card to my Capital One/Venture card in the amount of {$5800.00}. As of today XX/XX/XXXX, I still owe {$5800.00} to both bank institutions. Capital One/Venture One credit card says they have never received the check for the {$5800.00} and XXXX XXXX XXXX XXXX has told me twice that they are sending me a copy of the check. In XX/XX/XXXX, I was told that a copy of the check would be mailed to me to show that Capital One did cash the check. After waiting for three weeks and never receiving the check I called back again. I spoke with someone who researched my account more thoroughly and said that she didn't think that a check had been sent out because the information on file for the balance transfer did not say Capital One Bank, it said Venture One and the address to mail the check to was in fact my home address. The customer service representative said she was going to put a stop payment on this check because she felt that someone probably did not send this check out with so many mistakes on the account. I am getting zero assistance from either institution, someone, to please intervene and help me to resolve this. I have been told twice that a " copy. Capital One refused to do anything with me in resolving this issue and said that they needed to see a copy of the check. I am at a loss here. Capital One did temporarily hold the charge but has since put the charge back on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. I am writing this email to forward a grievance towards Navient. This company has made it aware to me that they took over my government loans from XXXX XXXX some years ago. As of this time there is a XXXX XXXX with Navient due to Navient not helping student borrowers legally, and thus forcing them in further debt. I have spent many years fighting with this company. I have done my best to make monthly payments as required. However, there is a Private Loan I had to take out in XXXX  to fully help pay for college. Navient now has control over it and has refused to offer any financial help with this loan. I have been unemployed for over XXXX  months now and was forced to move due to poverty. I am unable to hold a job at this time due to a temporary XXXX. My XXXX XXXX was XXXX XXXX and I have a XXXX coming up this weekend that will further prevent me from working for another several months. As of this time I am broke, jobless and homeless. I am staying with someone at this time for help. I am in complete pverty and XXXX. I have contacted Navient for help but they refuse to offer any help for this private loan. Instead, they increased the loan to XXXX  % interest rate... This is cruel and absurd. I have had this loan since XXXX  and have been paying for it for over XXXX  years. Navient has been taking advantage of me over XXXX years and I can not find help. I have contacted Navient on multiple occasions and they refuse to help .... Navient also has several Federal Loans of mine that they refuse to put on " Government Payment Pause'.. I thought this was illegal.. I have recently learned of a class action lawsuit towards Navient about their Unlawful practices.. Here is the website link to the Lawsuit. https : //navientagsettlement.com/Home/portalid/0 I am begging for help, and Navient has taken advantage of me long enough! Please contact Navient and wave this private loan since I have paid more than my share and I have had enough of them taking advantage of me! I have an account with studentaid.gov. and they informed me to contact you! Please email or call as well. Please help..Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA 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 non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continue to get late fees charged to my account even though I am paying on time in accordance with my payment pan. 
I was behind on payment and started making payments again to get caught up. After making 2 monthly payments on time the company called me ( XX/XX/XXXX ) to set up a payment plan. I was told that I would be able to continue making the payments by the XXXX of every month and it would bring my account to a current status after 5 on-time payments. I was notified that if I was late I would incur late fees. 
I made my payment on XX/XX/XXXX for the agreed amount and was charged a late fee on XX/XX/XXXX. I called the company and they were able to waive the fee and noted that it was a mistake since I paid by the XXXX. 
I made my payment on XX/XX/XXXX and noticed that I was charged a late fee again. This time the fee was charged on XX/XX/XXXX which is before my due date. 
I called the company again and they said that there was no record of a payment plan and that my due date was always the XXXX of the month. 
I was transferred to a supervisor who was able to track down the payment plan but said since my account was restricted the due date could have never changed so she couldn't do anything about the late fee. 
If my payment date was unable to change, why did the late fee in XXXX get charge on the XXXX ( which would be correct for a due date of the XXXX  of the month if I hadn't paid on time )? 
Why would a CC company sign a customer, who is already behind and unable to make full payments, up for a plan that will start charging them an additional fee every month? 
I feel like they are taking advantage of people and charging extra fees just to make money. 
Now they are saying my due date is stuck on the XXXX and I will continue to be charged late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BHA Services
State: CA

Complaint narrative:
I was contacted by BHA the purchaser of a debt from XXXX XXXX. We are happy to pay the matter. They sent an email with a link that is requesting far more information than the credit card. 
I advised the company the link was not working and then was told it would be fixed in a week. 
As of yesterday, I started to be called a harassed by XXXX and XXXX regarding teh very matter indicating the only way to pay is I must provide all my personal information. 
As I advised them I am happy to pay the matter at the specified amount of XXXX in receiving that I would be given a settled in full letter. They insisted they needed all my information and kept calling me while I was at work. This morning call took the cake I called to try to get some real details and then was asked really sketchy questions. What do I do for work. Why do I do that work etc. CFPB can you contact this company have them to be forth right with providing the proper tools to care for this matter. And or look into there practices of and tactics as there should some sort of investigation done in this matter. 


see the email see the link that is shady Name : Original Creditor : XXXX XXXX Our Account # : Original Account # : Payment ID : Total Balance : {$2200.00} Dear Mr.Mrs., In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$1700.00}. The settlement is to be paid in one payment no later than XX/XX/2023. 

You can pay online at www.bhabillpay.com ( using the payment id listed above ) or you can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees & All Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

BHA Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX  XXXX XXXX, XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On multiple occasions, I have asked for the credit bureaus to stop violating my rights and privacy. I have not received an acceptable resolution with either attempt. Instead, the credit bureaus are not ignoring my legal rights. Because of their decision to ignore my rights, I am mentally, and physically " SUFFERING ''. I have gone into a deep depression, gone into escalated levels of anxiety, developed elevations in my blood pressure, and gone into severe distress and embarassment due to the stress that this is causing me. 

Nearly every single day of my life, I am being harassed by phone, texts, direct mail, social media direct messages, an by collection agencies sending individuals to my home and/or work with the attempt to serve me with lawsuit paperwork. Going through this has caused my life to be a very painful, and sad life to live. This violation of my rights has to STOP! It is affecting my quality of life and is making me mentally and physically sick. I beg of you, PLEASE respect my rights based upon the Fair Credit Reporting Act. 

The credit bureaus are reporting the companies listed in this complaint without my written permission, without my written consent, and without my written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with my written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress  and embarrassment. These violations must end now. 

I would like all negative information reported by or from each of the following companies permanently deleted from my credit reports immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief