vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
I first contacted Binance.US via email XX/XX/21 because they disabled my account stating I have a returned deposit that was used in a crypto transaction, leaving your account with an unpaid balance I indeed had more than XXXX in my account at that time and also tried to deposit USD into my account but Binance.US had a hold on my account preventing me from doing so. I contacted them via email for 2 months regarding matter but no resolution. I received an email from Binance.US stating that they took the unpaid balance from my wallet but I still have can not access my account. I contacted them again regarding matter and they said I am not in an authorized state. I have not been able to trade or withdraw my money since. When I go to an authorized state I still dont have access to my account, when I try to trade or withdraw my money I get an error message from Binance.US stating account disabled, withdrawals disabled I contacted Binance.US again XX/XX/21 via and the replied with verify your identity I responded backed with a picture of my state drivers license and specific account information. I have not received a response or resolution. I again contacted Binance.US on XX/XX/21 and everyday thereafter stating I need their help withdrawing my money and deleting my account. Binance.US have replied each time stating your ticket have been updated but as of today I still can not trade, withdraw or delete my account. Its like this company is deliberately holding my money hostage and I have no access. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I was arrested and was incarcerated for 5 months from XX/XX/XXXX thru XX/XX/XXXX and while incarcerated someone stole debit card along with drivers license, social security card, birth certificate and other personal documents. I was not made aware of missing items until released from jail in XX/XX/XXXX. I reported unauthorized charges to chase and was told ATM transactions couldn't be reported because pin was used but only few transactions I reported were actually added to claim. I had faxed proof of my incarceration 7 different occasions ( XXXX, XX/XX/XXXX ) ; twice from branch XXXX at one chase branch with confirmation and XXXX more times from a different chase branch again with confirmation. Chase claims never allegedly received anything so shipped overnight and finally received but denied documents due to not clearly showing exact dates incarcerated. In meantime, claims denied for different unknown reasons and none of which was explained after multiple phone calls. And transactions I have reported still not being included in claims filed, causing more claims having to be filed. Once I was told new documents needed to state from date arrested to release date, I faxed documents that plainly stated exact dates in custody on XX/XX/XXXX. As of yesterday XXXX I still had to file 2 more claims to include charges that were not included in any previous claims but have been reported at least 5 other phone calls with Chase claims. I have 20+ hours on phone with Chase claims and been told conflicted things with each call. And claims still are being denied after I was told the 60 day liability no longer applied to my case due to extenuating circumstances and an exception was made for all claims and charges. And claims reasserted with exemption now included to give 3-5 days for update. When I call 3-5 days later, nothing has been done or anything the previous claims specialist has told me was being done is not entered in system, having to again go over issues and told same thing is being done and give them 3-5 days. My claims are still being denied and this has been 3 months I've been trying to recover funds that I have reported with every phone call all charges from XX/XX/XXXX thru XX/XX/XXXX as fraudulent yet chase claims fails to properly document or handle this issue. I have all documents sent to claims and have only been credited {$3200.00} with remaining balance of {$7900.00} unpaid from fraudulent transactions filed in claims. And no closer to a resolve than when initially started process back in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: OH

Complaint narrative:
This XXXX XXXX XXXX is on my credit report and it need to be looked at and removed immediately. It stated a lot of fraudulent acts. 1st one I looked at payment history. How could I made my payment on XXXX of 2021 knowing this is not my account. I will never make payment to an account that is not mine, so thats fraudulent. The address doesnt match the actual address of where this place supposedly to be, which is fraudulent. U.S.C 1681c-2 requires ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a checking account with Chase for approximately XXXX yrs. I recently received a letter from Chase that stated " upon review We have decided to close your accounts '' and would I please withdraw my funds no later than XX/XX/2021. I keep a decent balance, have never overdrawn, bounced a check or had any issues. I pay my credit balance on time and usually in full. I also have a car loan with Chase and pay that monthly and on time. Calling the 800 number provided on the letter did not help. The call went overseas and the person at the other end could not provide any information as to why my account was being closed. Visiting my local Chase branch where I conduct business was not helpful either. They also could not or would not provide any explanation as to why my account was being closed. My Wife is currently overseas and now will have no access to funds, I'm really not sure what to do so that she doesn't end up stranded. My Social Security check is direct deposited to this Chase account. I've already contacted S.S. and had my payments directed to another bank. However they take time to process the request and I'm going to miss my next months payment. As a retiree this really hurts. I really don't know what I did to warrant this kind of treatment. Chase claims they had to close one of my previous accounts. This was a business account that was closed at my request upon the sale of that business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: PA

Complaint narrative:
I am writing this letter to complaint delete the following information in my credit file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC.

Complaint narrative:
I asked them to validate debt. They shared my information without my signature and broke Hippa Regulations. Notices were sent certified mail and they responded by sending personal information without my signature authorizing them to share my information/personal data. 
Wakefield and Associates XXXX XXXX XXXX XXXX XXXX TN XXXX ph # XXXX. 
I am requesting all the files be removed some are duplicated with new dates same amount ( which is inaccurate information on top of Hippa Violations. A report is being filed w Hippa. 
Acct # XXXX Signature was not provided or authorized by debtor or to collection agency ( I did not sign anything giving them authorization to share my information with credit reporting agencies or any information with third party or any business. I did not authorize creditor or sign a release from Hippa authorizing Wakefield and Associates or Hospital or Emergency Dept to access my medical records ( this is a direct violation and these MUST be removed from my credit reports.. Proof of this debt was not validated nothing on file with my signature given to this creditor or debtor authorizing them to share my information. 
I sent them notice and they failed to validate debt however sent personal information obtaining procedures and personal information without my consent or authorization. These must be removed as it is a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Since i got this car i been complaining about manny mechanical problems on the car, every single month i have to put alot money to fixed. 
Is XXXX  XXXX XXXX and the price over {$9.00}. 
I ask the financial company 1 time to help me fix it and add the cost to my loan or any help and denied. At this moment car is down again. When i bough the car they told me was fine so i feel like they rip me off and now im about to call get the car but they go put repo on my background. 
Can us 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 2021-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union has not updated their credit report file of me. They report current loans as delinquent, ALL MY LOANS are current. They have my car loan with XXXX XXXX XXXX XXXX on file with no history, its exceptional. They have my personal loan with XXXX Bank on file with no history it is exceptional as well. They are not updating anything and when I reach out they tell me so get their XXXX $ monthly subscription to dispute. This is horrible and it has stopped me from purchasing a home, and now is interfering with me getting a rental home. They have contracts with some big housing LLCs here in XXXX, but their false reporting is causing me to remain XXXX. 

Compare my XXXX score and accounts to XXXX and Trans Union. ONLY XXXX is actually updated and tracking.

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 2021-12-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent address update/remove to the credit bureaus XXXX different times. XXXX, Transunion, and XXXX has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, Transunion, and XXXX continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.

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 2021-12-15 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: TX

Complaint narrative:
I have sent address update/remove to the credit bureaus XXXX different times. XXXX, XXXX, and Equifax has yet to update my report with my recent and only address. I've sent sworn affidavit with the correct address. The address XXXX, XXXX, and Equifax continues to report is another persons or family address. 

I have had my personal information stolen within the past year and half to two years ago. I do not want my information being fraudulently used. Please help me with removing these inaccurate addresses and adding my current and only address to my credit profile. I am in fear of Identity theft if this wrong information continues being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I was in the process of refinancing my mortgage. The new mortgage company told me to stop all automatic withdrawals as they would advise me whether a payment would be needed to be made if the closing did not occur in time. I contacted M & T Bank to verify that there were no automatic payments set to occur. A payment was withdrawn any way. I spoke to a representative on the phone on XXXX XXXX who told me that the funds would be returned. They requested that verification that the funds had been withdrawn from my account be sent to them. I sent it the same day and received confirmation. From there nothing happened. I contacted M & T Bank again and was told that the verification was never submitted so the {$530.00} would be returned to me on XXXX XXXX. On XXXX XXXX, there was no return. I contacted them again and was told that the funds would be returned on XXXX XXXX. Again nothing was returned. On XXXX XXXX I was told that returning the funds would cause a delinquency which is not true as they did not apply the money to my payment but put it in a holding account labeled " unapplied funds '' and now would not be returned at all. I will have to wait until my new mortgage company paid off the loan. Only then would they mail a check in XXXX business days after the loan is paid off.

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
Consumer complaint received 2021-12-15 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: PA

Complaint narrative:
I reported it as fraud and its still on my report I did it multiple times, I sent in police reports.

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened an account at Wells Fargo and wand Wells Fargo gave me some money back from an investment amount of a XXXX XXXX and then there was also a XXXX XXXX dollars that was placed in the account on that day and this is the bank on between XXXX and XXXX and XXXX XXXX on market in XXXX XXXX and and I found out that they were giving away the money in my account and I'm winning a couple days later Or maybe A-day later and there were people we're people getting money in paper bags from the bankers.. In addition Wells Fargo and every other bank in the world just about has taken XXXX XXXX XXXX that was placed in every bank XXXX years ago in my name XXXX XXXX XXXX I want my money returned immediately! As well as from all other Banks and persons who had taken it! There was also {$900000.00} deposited into my serve account under XXXX and I want that back as well

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 2021-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-12-15 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: NY

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN

Complaint narrative:
I was just incarcerated between XXXX through XXXXi just recurved notice of a illegal utility bill that was in my name. This is damaging to me and family. This weather is going to bad for the winter and I'm worried about my status to move back to Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and fail to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation