vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
I have been disputing with the XXXX credit companies about Bay Area Credit Service since XX/XX/XXXX of an account that they have in my credit file reporting since XXXX, XXXX XXXX. I sent certified mail requesting validation of debt, Bay Area received and signed for the certificate letter on XX/XX/XXXX. As of XX/XX/XXXX they have not sent me any proof of debt HOWEVER THEY keep RE-REORTING the same collection account every other day, in order to lower my score. Attached is certified mail sent to Bay Area. This company takes advantage of the consumer by doing as much harm as they can inflict. 

I respectfully request from CFPB to have this collection account deleted from my XXXX XXXX XXXX. And have them sanction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: ME

Complaint narrative:
I am unable to withdraw fiat or crypto currency from the platform Binance.us ( user ID : XXXX ) suddenly and for no apparent reason. I was able at least as of : XXXX XXXX USD XXXX. 
I have over XXXX dollars that I very much would like to transfer into my bank account. This issue is negatively impacting me financially and causing hardship. 

When I try to withdraw either XXXX or crypto, I am given a message that says " Withdrawals suspended due to risk management ''. I have done nothing to warrant a suspension. I have no negative balance, and none of the common issues described on the support site apply to me. One day it was working fine, the next it was not, with no changes made. I appear to not be the only person experiencing this issue when investigating forums such as XXXX. 

I have issued a ticket ( # XXXX ) with the company some time ago and have not received a response. Essentially I feel like my money is being held XXXX, and I have not been given any indication why. This has been going on for multiple weeks. I have tried to no avail at least once each day to withdraw funds. 


This is not an issue with my banking institution ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
I attempted to purchase a credit report from what I thought was Experian s official sight. After foolishly giving up all of my information I realized it was a fraud site, XXXX.Experian.com The site then crashed and reported a message of a unfixable system error. I then realized it was a fraud. Nothing has happened yet but they now have everything. At least I need a record that I reported this.

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 2021-06-02 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account XXXX : XXXX This is not mine. 

6. Identity Theft Account XXXX : XXXX This is not mine. 
Identity Theft 12 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX into the bank and accidentally left my debit in the machine. Two hours later I received an email informing me that my card was being used. I immediately turned the card off and contacted Wells Fargo. There was a language barrier and the individual who took my claim completely wrote the information wrong even after I attempted to correct her. They conducted the investigation on her information and refuse to admire fault and return my money. A police was made and they refuse to acknowledge its

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 2021-06-02 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The problem that I'm having with this company is that I never got a notice of this debt until I saw my credit report and saw an account in there so I proceeded to call the phone number listed for that account and they told me that is for an account that was supposed to be paid for about more than a year ago but they never sent me a notice with a chance to my home address to pay before I was placed in collections, and now that I know that I have that debt and I'm willing to just pay it so it can be removed out of my credit report but they're just saying that they won't remove the account out of my credit report because is company policy, but the problem is that I never got a notice that I was gon na be placed in collections because they sent the notice to the wrong home address so basically I was never aware of this debt and they just placed me in collections unfairly and now its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: ID

Complaint narrative:
Gemini XXXX has locked US dollars in my account. It has been locked for weeks now where if I try to transfer money it states pending verification. I have verified my identification multiple time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service
State: NC

Complaint narrative:
Clark County Collections Services pulled my credit, and placed a fraudulent account on my current report. I have no account with Clark County Collection Service, as I proceed to call them and they would not remove it. I notified them by emailing and calling to and pursuant to FDCPA and FCRA. I was never notified with a five day dunning letter notice from Clark County collections, nor are they license in North Carolina to do collections. Due to the situation I was unable to qualify for a loan at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the Bureaus XXXX Equifax, XXXX, I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency I demand to have this Bankruptcy removed from my profile as it is in violation of my rights. and they have obtained my information with my consent from public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I'm on unemployment and went to pull out cash for bills and my payment for the week was gone literally 3 minutes after it posted to my account. Someone ( this is what key bank told me ) made an account at key2benefits and changed the pin number on my card from there also. I had my taxes stolen from a ex friend who put there banking information on XXXX XXXX instead of using my account so maybe it was this person that stole my identity. I have sone information in her if it helps but honestly I don't know if it was her. Ill file a police report if need be and grant yous any permissions you may need on my end to further your investigation to catch whomever did this to me. Also all banking information on taxes are wrong and were illegally put there by a person named XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX ny XXXX. Again I will prosecute so please let me know what if anything on my end needs to be done to help! 
I have been a victim of identity theft and want to get the funds that pertain to me, as I receive them from unemployment benefits. I would like a history of all the transactions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to Transunion multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. Transunions Union supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the CEO of Transunion. As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of Transunions question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
Transunion in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}

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 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Received Surplus amount of XXXX, XXXX on XX/XX/21. 
Called MT & T Bank after receiving the surplus check, would have been around mid XXXX. Questioned why I received such a large amount and wanted to make sure everything was paid. 
Was told during this conversation that everything was paid, account was good, and to enjoy the surplus. 
Received property tax delinquent notice on XX/XX/21. Called MT & T Bank again. On the phone 1hr 11 mins Confirmed they did not pay property taxes. MT & T Bank said it was because they looked online and our account is blocked so it was XXXX XXXX Was also told by MT & T bank that I was 100 % tax exempt. Obviously, this is not correct since I received deliquent property tax notice XXXX, Property Tax Supervisor, said I would not pay any late fees accrued and they would expedite this matter since XX/XX/XXXX there were more late fees. 
XXXX, Escrow Supervisor, said Escrow Analysis would be redone after taxes are paid. 
Called XXXX Asked to speak to supervisor because now I can not register my sons vehicle since we are delinquent on our property taxes. On phone 47 minutes Was told there was not a supervisor available and that they tried to call tax office but tax office would not give them information since the account is confidential. Told customer service this was not acceptable and that I wanted to speak to a supervisor. 
Transferred to XXXX, Property Tax Supervisor, she called Kaufman County Tax Office to get payment. XXXX at tax office provided amount for delinquent notice. 
XXXX said she would expedite payment to call back in 5 days for escrow analysis. 
Was told to either provide a bill from now on or unlock are tax account. 
Are account is locked due to husband being in law enforcement. 
XXXX also stated she could not guarantee I would not pay late fees. 
MT & T Bank has been dismissive of my concerns. Not helpful is resolving issues, blaming me and tax office for taxes not being paid. If not for me following up the taxes would still not be paid.. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance.

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
To Whom It May Concern We have been going through a modification process for over six months with Flagstar Bank, without a final decision. We are reaching out requesting assistance in the process. We do not know who else to discuss this matter with and have resorted to the Consumer Financial Protection Bureau for assistance. We are currently working with a Home Loan Advocate ( HLA ). Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX. The team leader is XXXX XXXX. Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX Please assist us in getting this process resolved. Thanking you in advance for your assistance in this matter.

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have been on forbearance for a loan on a rental property in Hawaii. I received both calls and letters asking if I wanted to extend the forbearance, apply for deferral or pay the amount in forbearance in full. I let Loan Depot know I would not extend the forbearance and wanted to pay the deferred amount in full. I wanted to make the full amount owed in one payment but was told the amount was too large to pay all at once, it would have to be split into 3 equal sums and paid on three different days. After establishing the payment plan I received a call from collections and we went over the payment structure in full and I was advised by the collections rep at that time that once those three payments were received the account would be brought current through the XX/XX/2021 payment with everything account for to the penny. I follow up with the bank around XX/XX/2021 and am told the money was misapplied but the problem would be immediately rectified. I call back on XX/XX/2021 and the rep initially tells me I owe $ XXXX. I let him know he's not right. He looks over the account and then tells me I owe {$2200.00}. I let him know that's not right either. He states monies are misapplied and he can't determine how to get the dollars to match. He then states he's having system issues and can no longer help me, that I would need to call back. I stated I needed him to get someone to fix the problem and call me back. He said he would ask if that could be done but wasn't sure. So, Loan Depot has all of the money to bring the account current, has misapplied the monies, and refuses to remedy the problem in a quick and efficient manner. I have now started receiving default letters from Loan Depot and consider this harassment since they have all the monies needed to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XX/XX/XXXX I have spent more than 7 hours on the phone with various Experian departments trying to figure out why my credit report can not be accessed by XXXX of XXXX, Ma from whom Im trying to lease my third auto. 
All I get from Experian is transfers from one department to another, extended periods on hold, call terminations, and finally only a explanation that theres a glitch somewhere in their system.

They claim that there are two accounts in my name when only one is permitted, but they seem incapable of correcting the problem.

I need intervention at the Corporate level of Experian to force corrective action.

For reference, my average time on hold during my eight phone conversations with Experian over the past 10 days has been in excess of 35 minutes. This seems to me to be customer abuse.

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 2021-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: OK

Complaint narrative:
I have been reaching out to this company for over a week via email and phone. I can not get any response from customer service. Recently my bank account I had linked to the account has been compromised and I am unable to access or use it at the moment. I have opened a new bank account and currently need to update it so I can make payments to close this account. They do not allow you to make this change on the website or app. You have to contact customer service to do such. But when you call and press XXXX to speak with an agent it says none are available. I have tried every work day for about a week and all throughout the day. I have sent numerous emails regarding this and still have not received a response. This is becoming extremely frustrating and not sure if this is even legal. Because I can not make payments with my new bank account I am receiving interest and late payment fees. Along with this I will receive a missed payment or late payment on my credit score which is at their fault because no customer service. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: Merchants Credit Corporation
State: WA

Complaint narrative:
Merchants Credit Association keeps reporting to XXXX that their accounts are unpaid whereas I have already paid for those accounts in XXXX and XXXX. This has been going on for months. I have filed a complaint earlier ( # XXXX ) and Merchants Credit Association responded saying they will remove all the details from Credit Bureaus. Instead they reported again to XXXX on XX/XX/XXXX about an account I already paid but they keep reporting this account and keeps adding interest to increase the amount. 

I have disputed these many times with XXXX and it's not working out either. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
The issue with this company is they do not have a main support line for clients besides a digital automated system that self-replies. I have tried to find solutions for a way to contact their support line but they have the automated prompts. The issue i ' am having is uploading my new debit card to make payments. I only want to use my debit card to make payments since that is the option i'd like, they do have a second option, to add the bank routing number which I do not want to do. If I have the option of both and only want to use they debit card option, why does this keep forcing me to use my bank routing number instead? I find this strange and in no way acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX continue to call me when I filed bankruptcy and relinquished all my responsibility for the vehicle to my ex-husband, they refuse to listen and yell about getting the vehicle.

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