vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal took {$710.00} out of my checking account and I was unaware that they were able to do that to satisfy a credit card debt!! That was all the money I had!! I get XXXX and I had to put money in this account due to the fact my card was closed down!! I already contacted them and they said it was nothing they could do and could not give any of the money back and they had the legal right to get it cause I agreed with my signature on a promissory or agreement!! So I asked them to send it to me and they sent me a bank disclosure!! I researched and read that banks are not allowed to offset accounts for credit cards!! Can I get any assistance for this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CO

Complaint narrative:
I have a binanceXXXX  account and I have been trying to withdrawal some funds for the past 3-4 months and I get an error " Withdrawal suspended due to risk management ''. I have contacted the support team multiple times and no response. I have researched on my own how to resolve the issue and I found others on a XXXX board that are having the same issues. I have quite a bit of money tied up on their site and I'm unable to use it because of these errors. My account is verified and all other options to try and get a hold of someone I have tried. No response from their team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
on XXXX XXXX I was checking my credit report and noticed a hard Inquiry from a 100 % FAKE XXXX XXXX account. I'd like it removed ASAP and the criminals who did this shut down. But I'll settle for it being 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 explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of 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 2021-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have thIS account removed immediately from my credit 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 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
First federal credit control is reporting a XXXX bill that I'm not financially responsible for. They have been contacted repeatedly by phone and mail by myself, and also the agency I was a XXXX XXXX  for a family. There was XXXX insurance, and any amount owed after insurance, was to billed to the agency to be paid by the intended parents. 
The date of service was in 2015 for the balance of {$120.00}. 
A letter was sent informing the credit bureaus I wasn't financially responsible for this bill. XXXX  continues to report this incorrectly and inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to HMC Group back in XXXX. HMC Group has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. HMC Group has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both HMC Group and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither HMC Group or XXXX  any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account. 
2. Delete any and all references to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: ProCollect, Inc.
State: FL

Complaint narrative:
Pro-Collect ( in copy ) refused to provide an email where they accept the " mistake they made '' reporting in my credit a collection that never below to me. 

The reported a collection for {$820.00} for a rental condominium XXXX XXXX XXXX. I have never rented in this place, I have owned my house since 2006 ). 

I tried to speak with the manager at Pro-Collect, but this person refused to talk to me ( my only contact was a supervisor ). 
I was a victim of identity theft from Pro-Collect ; they used my personal information, arguing that my name is common. That was the answer! 

They never took the time to verify the information ; it was very easy for them to use my social security because I have a " common name ''. 

You can contact XXXX XXXX from XXXXro-Collect Inc to verify this information. 

XXXX XXXX was the person who explained to me that they don't send this type of correction by email or letter because it is their " policy. '' Pro-collect can destroy credit and a reputation, but they aren't capable of accepting their " mistake '' in writing. 

I disputed this collection in XXXX and Procollect confirmed that this account is below to me. 

Their phone number is XXXX, account # they gave me is 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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XX/XX/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 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: NC

Complaint narrative:
My name is XXXX XXXX and I opened a bank account with ETrade around XXXX of last year when I turned XXXX. I did this because my mom said she wanted me to start investing early. I am in school to become an animator and illustrator and do a lot of social media content management and graphic work for companies. I deposited my 2 payroll paychecks after I opened my account with E Trade, even after a two week hold on my account E Trade refused to release my funds and then proceeded to close my account with no reason why, no letter, and no call back when I called them to ask why they are doing this. I asked them where is the written policy for how they are handling me. They literally have never called back or sent my funds to me. This is Theft and XXXX. I am a college kid and need all the money I make. The total amount was XXXX ( It was my two paychecks..each XXXX ) I feel that it is unfair for them to hold my money for no reason for this long. My mom would have helped me invest it to make more money and now I have missed out on that opportunity. I am also seeking legal representation to file a lawsuit against E Trade for what they have illegally done to me. I would have made a good amount of money by now from Investing if they had not been dismissive, dishonest and deceptive. This behavior is Theft and I am not going to let what they did go without speaking up and fighting back. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
In 2019 I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.

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 2021-07-19 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: NV

Complaint narrative:
There are some bad information and or accounts listed on my credit reports that do not belong as I didn't authorize the listed inquiries, nor are the accounts listed are my accounts. There is also an address that did not belong to me as well. Please remove them.

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 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Hello I a got accepted for a loan through XXXX XXXX XXXX XXXXXXXX back in XXXX of XXXX. Since then I have never received anything in the mail regarding statements, due dates, late fees, loan agreements, etc. Unbeknownst to me it was reporting late from XX/XX/XXXX to XX/XX/XXXX. This is unacceptable as I was never informed I had a payment due and never received anything in the mail!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
We signed up for Credit Card in XXXX. There were rewards points available. 
We never received the reward points. We've been in touch 3-4 times since XXXX. They never responded until this 5th attempt. They've denied the reward points and denied returning our annual fee as they stated we needed to cancel within 30 days. However within that 30 days we never got a response on the points. They are " unable to provide any help '' and state they will call us back later. So this means we have to wait longer and out the money and points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediately US BANKRUPTCY COURT- ( XXXX ) FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I did not give consent to furnish my personal information regarding my open end credit plan. Ive been violated and harassed about information I deem private XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not give consent to furnish my personal information regarding my open end credit plan. Ive been violated and harassed about information I deem private XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested a free credit report from Equifax on XX/XX/2021. This is the first time I have requested a credit report, so I have not previously used my " free '' one. It is now XX/XX/2021 and I still have not received the report or any other contact from the company. My free reports from XXXX  and XXXX, which were requested on the same date, both arrived very quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In XXXX I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.

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 2021-07-19 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Some of these dates may be off by a few days because I didn't keep exact records. I've never had a credit card company not resolve a clear fraud charge. 

Around XX/XX/2021, I was alerted about a potential fraudulent charge on my card. I checked my account and saw that unknown charge, as well as a few others. I called Barclays to report the fraud. These were unknown charges to unknown merchants. I had not made them. I had no knowledge of them. Within these charges, there was one for {$920.00} made on XX/XX/2021 to XXXX XXXX. I reported all of the charges as fraudulent. Barclays issued me a new card and said they would investigate. 

Within a week or two, I received a letter saying the investigation was complete and all the charges had been removed. When I checked my account, all the charges except the one for {$920.00} were removed. I called Barclays to inquire and they stated the charge for {$920.00} was never flagged as fraudulent. I asked them to flag it again.

A week or two after that, I checked my account and the charge was still not removed. I called Barclays again and the representative told me the charge for {$920.00} was not flagged as fraudulent. She directed me to the investigations team. 

I called the investigations team which said they would flag the charge as fraudulent and investigate it. Within a couple days, the charge was removed. 

On XX/XX/2021, I received a letter stating that the charge for {$920.00} was valid. The charge was added back to my account. It did not give any reasoning or evidence. I have currently been on hold for over an hour trying to talk to someone. In addition to this complaint, I am sending a certified letter to ask for investigation results and reporting Barclays to the FTC.

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