vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2021, at approximately XXXX EST, I initiated a wire transfer of {$5000.00} to my Binance.US account to begin crypto investing. Binance.US issued to me the following information to affect the wire transfer from my bank : Recipient Name : XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Reference Code : XXXX REFERENCE CODE MUST BE INCLUDED IN ORDER FOR YOUR DEPOSIT TO REACH YOUR WALLET The above information was accurately provided to my bank, XXXX XXXX, and the wire transfer was processed immediately at XXXX EST, XXXX XXXX, and I was provided the following receipt/tracking information by my bank, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX TRN # XXXX XXXX  # XXXX Fed Ref # XXXX XXXX XXXX XXXX XXXX XXXXXXXX As of today, XX/XX/2021, Binance.US and their help desk ( XXXXXXXX  ) have NOT provided any information regarding why the wire transfer has not processed nor yet been deposited to my account. I am only given the repetitive boxed answer, that they are working on it, and I am asked repeatedly for the tracking and ID information again and again. As bizarre as it sounded, I complied when they recently asked me to provide a short selfie-video of me, showing my face, with my identifications and recent bank statement. That was last Friday morning, I provided it, and still no update or answer from them as to where my wire transfer deposit is. 
I am convinced there is some very nefarious activities going on with Binance.US and their partners. After some Internet research I found numerous chat rooms filled with similar events as mine with numerous victims to the same wire transfer M.I.A. scenario, i.e., https : XXXX. It has been happening to hundreds and hundreds of people, and many with six-figure amounts missing! 
Binance.US, their reaction to this seems suspicious, but again, XXXX is my only contact as their official help desk. After I complained excessively, and threatened going to authorities, Binance restricted my account so that I can not do ACH deposits or withdraw my money they already have in my account there. 
I ask that a full investigation of Binance.US and their partners, i.e., XXXX XXXX, XXXX XXXX XXXX, and even their help desk, XXXX be initiated. The hope is that we can rectify the situation with my lost deposit and stop the activity from continuing with others. I also expect Binance.US to assist me in immediately withdrawing all my funds they currently are holding XXXX at no fee or cost. My losses due to their unscrupulous business dealings is already in the many thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have previously submitted a complaint with the CFPB ID # XXXX Credit acceptance corrected my credit report. We worked to create a payment plan for the months of XXXX, XXXX and then by XX/XX/XXXX I needed to pay a full regular payment to them. I have complied to each payment arrangement including paying a full payment in XXXX and paying more than what was required. On XX/XX/21 I received a notice from both credit bureaus that Credit Acceptance is once again reporting me 120 days late. This is unacceptable and needs corrected ASAP.

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 2021-04-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statebridge Company
State: OH

Complaint narrative:
After reviewing our credit reports from XXXX, XXXX  and XXXX, we were shocked to see a firm called Statebridge stating that we owe them a mortgage debt. We never heard of Statebridge. Disputes have been submitted to remove Statebridge from our credit reports. Please help us keep Statebridge from attempting to cause us financial harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom it may concern, I have excellent credit it was XXXX with Transunion. I recently charged a vacation for {$5100.00} and my credit used went from 2 % to 7 % and my credit dropped 22 points. I called them to ask as my 7 % of credit used is excellent. The charge was made on Monday XX/XX/26 and I plan to pay off the credit card to today. I have not had the debt for a week and they drop my credit 22 pts. I think this is wrong. When I pay the card off my credit will not likely go pack up to where it was.

I really think the government need to look into these bureau 's and see how their algorithm works. It is not fair to consumers. My Credit rating with XXXX  is still at XXXX. Thi

s is a 40 pt discrepancy which is a red flag between bureau 's in my opinion. I want to know how the calculate and why the impact on a charge that I pay off after a week is so much. This effects a lot of people and it is not right. They should be able to explain why it dropped so much because in my situation all my payments are on time and everything is excellent and good standing. The expectation of Americans is that you protect consumers. Based on this issue millions of people can be affected and forced to pay higher interest rates who don't have as high of credit scores. I understand that some people have bad credit and they should have impact but I and others have good credit, pay off balances should not be impacted 20 pts on one charge that is paid off in a week. I would like to have some type of response that you are looking into this because its wrong to have such a dramatic impact on one charge that uses barely any of my available credit.

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 2021-04-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SYNCHRONY BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SYNCHRONY BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SYNCHRONY BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SYNCHRONY BANK is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

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 2021-04-30 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: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI

Complaint narrative:
The judgement in the amount of {$12000.00} was satisfied by garnishment. The garnishment order expired XX/XX/18. The company is still reporting a balance of {$2700.00} owed, on all three credit bureau reports. This needs to be updated. They are not entitled to the extra interest they are seeking or the judge would have included it in the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SUNTRUST DBA LIGHTSTREAM is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SUNTRUST DBA LIGHTSTREAM XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

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 2021-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime Bank closed my account on XX/XX/2021 without prior warning for whatever reason, I had {$4200.00} in my savings account and about {$250.00} in checking. I called their support line and was informed to email customer support since they couldnt tell me over the phone! I have then email them stating that due to their actions I can not pay my utilities nor rent. According to them my account has been closed by Chime and is not eligible for a refund. For more information please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement. This is just pure robbery and unacceptable! Please If you guys can help me that would be gladly appreciated as this is my last resort!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is trying to collect money that I never owed them. I had a credit card with Comenity Bank-XXXX XXXX-original acct # ( XXXX XXXX -There # XXXXThis acct was charged off to a zero balance by Comenity BankXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and Comenity BankXXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this Management Company. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
XXXX XXXX  and the lawfirm XXXX are trying to garnish wages. XXXX named 3 to many XXXX on the bill so insurance did not pay. They are now trying to sue without proper notification. I learned of this garnishment from a mailing I received at an incorrect address. This has been going on since XX/XX/2020. The last 2 court dates I have had has been pushed out because, I have not seen he actual documents. Each court date their is a different lawyer and nobody can tell me what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received a notification for a charged of {$310.00} dollars on my phone. 
I contacted my credit card, Apple at Goldman Sachs, to report charges not approved. 

XX/XX/2021- XXXX  {$310.00}XX/XX/2021- XXXX {$18.00} An Apple Specialist at Goldman Sachs replaced my card. I explained to them that a XXXX manager contacted me for fraud charges. 

An Apple Specialist credited my account for the amount of {$310.00} on XX/XX/2021. 

What was disturbing was that the charged was listed under child 's name who is a minor. The vender disclosed this information to me. My child isn't an authorized user. 

XXXX attempted make a charged for {$18.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve 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 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 explanation
Consumer complaint received 2021-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve 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 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXXXXXX XXXXx XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/ SS # XXXX ADDRESS : 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 : THESE NAMES DO NOT BELONG TO ME Names Select as many as apply XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX Addresses THESE ADDRES DO NOT BELONG TO ME PLEASE REMOVE XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/ SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a personal loan with XXXX XXXX through Comenity Bank for XXXX XXXX XXXX of XXXX. I made regular payments on the loan until my family hit significant financial hardship. I worked with XXXX XXXX XXXX and they were able to make a payment arrangement with XXXX XXXX. I made payments on the balance and XXXX on the amount agreed upon. My credit report shows as the amount is unpaid and charged off and never addressed. I called Comenity, with whom XXXX made the arrangements with and sent payments, and they said they terminated the relationship with XXXX XXXX, they didn't take my money, and they could provide me no information on how to get in touch with XXXX XXXX. The website that is out there for payments is broken, you can't contact anyone. I have no recourse to fix this item. I paid the full amount and I can't get them to even talk to me. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Since XX/XX/XXXX I have been trying to get a letter stating a mortgage was charged off in XXXX. I have a referee deed and a lien release. It shows in their system but they say that isnt accurate even though their system shows a lien release. They cant find my account in their system because it is an old account in their old system.So they transfer me to other departments who say no the letter was approved and you will get it in XXXX hours. Its been XXXX months I have XXXX different case numbers. I just need a letter with my account number stating that the account has been closed. It is an constant back and forth I have been to every department and not XXXX person can do anything to help. Every different representative gives a different story. I have sent in written requests I have called every number I have spoken to every department I get different information from every department. I have spoken to managers and supervisors and they never return phone calls.

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