vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: IL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. i invested into cryptocurrency and i use Binance.US exchange to make trades. i lost my crypto currency because of not putting/wrong memo. but they have assurance that they can recover my asset back to my binance.US wallet exchange. i submit already a ticket to binance.US customer service they keep telling me this " Thank you again for your patience with this process. Unfortunately, no memo refunds are taking longer than usual to process ; thus, there is no ETA. Rest assured, you will receive them as soon as possible. We will let you know once the assets have been refunded to your wallet address ''. 

the only make me angry about it is that in their Frequent ask Question about recovering asset they advertise/posted that it only take XXXX businesss day for the recovery of our funds. yet, now it's been XXXX month and still didn't get any progress or exact day/time. Binance.US have alot of angry customer. alot of issue they didn't resolve it. i hope you take action for this. i submitted a ticket to their customer service which is my ticket # XXXX XXXX ) and my email : XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked TRANSUNION numerous times to provide how they validated the alleged debt. I have asked XXXX to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAND THIS IS REMOVED FROM MY CREDIT REPORT. 

TRANSUNION IS VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND 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: 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: KY

Complaint narrative:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My debt has been repeatedly transferred to different servicers without any proof of accounting, proper accounting, proof of standing, and other supporting documents. The complaint recently filed against Kentucky Higher Education Assistance Authority ( Complaint No XXXX ) was the first time the servicer corresponded with me or my legal counsel regarding the debt. They responded saying they would cease collection notices based on " HESAA not providing a promissory note or other relevant documents ''. NJHESAA and FFELP have repeatedly failed to provide documents supporting the debt and their right to make demand.

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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Dear Sir/Madam, I have disputed this account with XXXX XXXX XXXX and Synchrony Bank, which is the original creditor, the account number is XXXX. 
The XXXX failed to validate the debt and they sent the debt back to the original creditor. Suddenly, I received a XXXX form in the mail from Synchrony Bank, which I was really confused who acquire the debt was it, XXXX, or Synchrony Bank. 
Which a XXXX and Synchrony Bank both are reporting on my credit report from all bureaus with balances showing. 
However, I sent the original creditor a letter stating that the debt should not be reporting on my credit if I filed the loss on my taxes. ( See Attached letter from Synchrony bank ), which I do not agree to. This debt must be removed from all three credit bureaus.

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: 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30  DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.

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 — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Adela, Inc
State: MS

Complaint narrative:
On XX/XX/2021, I received two back to back calls while I was at work. Since the number was a local one I answered but was having trouble understanding the lady on the other end so I told them I would end the call and step outside to return the call. 
When I returned the call I gave my full name to a woman named XXXX who answered. She told me she would transfer me to the correct department and then the phone was answered by a woman who identified herself as XXXX. I again told her my first and last name and that I was returning a phone call and asked what the call was regarding. She told me she couldn't tell me what the call was concerning until I confirmed my social security number with her. I responded that as they had contacted me and had not even told me what company they were and that I was not going to give out my private information to someone over the phone. She told me that she didn't have to identify her company or the reason that she was calling until I gave her my social security number. 
I even asked if this was for a debt collection or something similar and she told me she wasn't going to give me any information because the law prevented her from doing so. 
I told her I would just end the call and block the number to which she replied that if I did she would put a note on my credit file which would cause my credit score to fall. 

I ended the call and called back to speak with someone else. Again XXXX answered the phone. I once again gave her my full name and told her the situation that had just happened. She told me that again they could not give out any information without my social security number. I asked her to identify what type of business she worked for and she told me they " do many things. '' I asked if there was a supervisor I could speak with about the illegal comments that were made to me by XXXX and was told that the only person above her was the owner who did not have time to deal with me. When I mentioned that I believed that the company was acting in a illegal manner by making threats and that I would be reaching out to consumer protection agency about this incident, XXXX suddenly switched from antagonistic to pleasant and told me that she would be happy to set up a call back with the owner who previously did not have time to deal with me. 
I ended the call. 
A few minutes later I did call back to verify the information of who I spoke with, the company name and address, and the owners name. 
The info provided to me was : Adela XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX Owner 's name : XXXX XXXX Never once did either agent on the phone identify themselves as a debt collector even when directly asked. They were evasive of my questions and kept asking for my social security number.

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 — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened the XXXX checking account based on the the promotion of {$400.00} bonus after meeting the requirements. I have met all the requirements and still have not seen the bonus in my account.

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
I opened an account with Binance US  under my name and wired funds as instructed by Binance US web site on XX/XX/2021 in the amount of {$12000.00} the wire was from my XXXX XXXX account transaction ID XXXX XXXX gave me confirmation the wired went through, to date no money has been deposited in my account and After 5 different e-mails as instructed for help from Binanace US I have received no help or direction.

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 — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
I got an email in XXXX indicating a change on my credit report. When I logged into XXXX I had a {$10.00} collections charge from Apple  Pay. I opened my Apple Pay account and it displayed a {$0.00} balance. I called apple, I was transferred more than 10 times, the representatives could not find the {$10.00} charge and confirmed I had a {$0.00} balance. I also place all credit on auto pay for the minimum payment to prevent this very situation from occurring. After escalating to a supervisor  and remaining on hold for quite some time, the charge was found, started by someone XX/XX/2020. I filed for a fraudulent charge, this was determined to be fraudulent and removed however, I was in the middle of refinancing my home ( quite stressful to have happen closed at the beginning of XXXX ) this charge dropped my credit score 100 points. Not only this but when other credit companys that I had a {$0.00} balance for years with exceptional payment history, closed my accounts which dropped my score more, but Apple has not removed the charge and when I disputed this with XXXX they said apple insisted the charge is legitimate. I have a screen shot of an email showing it was resolved in my favor and fraudulent so I reopened this dispute with XXXX and the charge is still not removed. Not only this but I recently paid off a credit card of {$6600.00} with XXXX but XXXX  dropped my credit score not acknowledging the payment to zero ( dropped another 9 points ). My complaint is with apple who is incorrectly reporting this {$10.00} fraudulent charge that they couldnt even find, I already had an Apple Pay account, how could another even exist?!?! But XXXX, is incorrectly monitoring my credit, despite paying off many of my bills, not updating a fraudulent charge and this {$10.00} fraudulent charge is still causing negative consequences. I have zero other late payments and zero collections aside from this apple charge, they didnt send me a bill ( because my Apple Pay had a {$0.00} balance ) and they are not being honest despite proof this was determined to be fraudulent. I work so hard to maintain good credit, my position at XXXX XXXX is contingent on maintaining a good financial house and this is unacceptable. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have a home mortgage with XXXX ( Loan number : XXXX ). Basically I paid off some money but they still charge me same monthly payment after 4 months. I call them many times but they dont want to proceed my request. 

I paid off {$100000.00} for my mortgage in last XXXX, and submitted recast request on XX/XX/XXXX. It's been 3 months, and my request is still not completed. Tomorrow ( XX/XX/XXXX ) will be my next payment date. I'm paying 400+ more money every month than I should During these 3 months, i called mortgage customer service many times. They always asked me to wait, or gave me wrong info like " we will finish it by this week/month ''. 

Finally a supervisor helped me last week. She called mortgage department and asked them to complete my case before XX/XX/XXXX. But today when I called them, still no luck. I escalated, they just told me a manager will callback. I want to get my money back, but they dont care and dont want to help me as usual. 

I believe they want to charge me more money every month, and escalation doesnt work. Not sure how long it could be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr Cooper, without my authorization, withdrew {$1900.00} from my checking account on Monday, XX/XX/XXXX. Then four unsuccessful attempts on that same day, causing NSF fees toatally {$140.00}. Then Thursday, XX/XX/XXXX, it happended again. {$1900.00} unauthorized withdrawl and four NSF fees ( {$140.00} ).

Monday transactions were refunded back to me, end of business that same day. Thursday 's transaction have not been refunded back to me. I have called Mr. Cooper and escalated the issue. I am still waiting to have my money returned to me. My checking acount now has a negative balance. Mr Cooper needs to be held accountable for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I had a 5 YR CD with XXXX Axos Bank ( based out of XXXX XXXX, CA ) for {$55000.00}, which expired on XXXX XXXX. I requested on the phone to have the funds deposited in my checking account and was told 1 ) That I could not request this transaction until the CD 's expiration date ; 2 ) On the date the CD expired I called was told that it could only be done by me, online. After I told them I did not see the option to do it, I was told that it was a technical issue and that someone will call me about it ; 3 ) 24 hrs. later no one call me. On XXXX XXXX, I was told that I had to fill out a form to request the transfer. It could only be done by check or by wire transfer ( fee : {$35.00} ). I chose the wire transfer and submitted the form via their secure message center. I received acknowledgement that it was received. 
4 ) On XXXX XXXX I was left a message saying that the bank needed to verify my request. I called the bank numerous times. The call center told me that they did not do veryfication of requests. So I sent another message, through their secure message center, veryfing my request. 
5 ) Today XXXX XXXX I logged in to my XXXX Axos Bank accounts and it shows no money. I have another CD for XXXX with them that expires on XX/XX/2021. However, my account now show {$0.00} and their customer call center can not help either. 
It makes me think that someone is running away with my money. Could you please help me.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
XXXX XXXX XXXX along with Hunter Warfield have put a large ungodly amount of money against me that has seriously hit my credit score .. ALL IS COMPLETELY FALSE! I paid my rent 2 weeks early the entire time I rented from them.. They kept my deposit and said the extra amounts were for carpet replacement.. The carpet along with the 2nd rate apartment complex was disgusting. They had XXXX  and XXXX XXXX raided every single night.. The most unprofessional person 's they could find for representing their company that harassed tenants trying to move from facility worse than any situation I had ever been in with a landlord. She cut the locks off while we were inside 3 weeks before my lease was needing to be renewed completely beligerant scaring my kids and not {$1.00} was late and I tried staying away from her completely not causing any problems.. The place was subpar and really nothing I would ordinarily would ever live in but my husband died 2 weeks before moving in.. I had never seen this complex or knew of anyone renting their.. I moved back to my hometown for familiarity and this was built in the mean time.. I have tried resolving this issue with them.. Hunter Warfield should be shut down along with these greedy slum lords trying to squeeze a few more dollars for their own greedy gain.. THE CARPET WAS DISGUSTING IN FIRST PLACE! DO WAS THE PAINT! HOW AM I OAYING THIS? AND HOW IS THIS LEGAL FOR YOU ALL TO RUIN MY GUTURE AND MY CREDIT SCORE ALTERING MY CHILDREN AND I PLANS BEVAUCE YOU NEED PAWNS TO OAY FOR XXXX  HACK WITH XXXX  LURKING 24/7.. I HAVE NEVER RAISED MY KIDS UNDER THESE CONDITIONS.. IT WAS TIME TO GO! 1 YEAR WAS XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I loan # XXXX I started this refinance in XX/XX/XXXX on XX/XX/XXXX they sent me an E Mail to singe docs an it was for {$220000.00} {$190000.00} pay off my current mortgage and a bill for {$26000.00}. I was told by an E Mail there trying to close on XX/XX/XXXX E Mail dated XXXX XX/XX/XXXX I tryed to get a hold of the loan processor XXXX XXXX and loan officer XXXX XXXX NMLS ID XXXX and XXXX nhls XXXX. 
Then I just got anther E Mail saying that my loan went up to {$230000.00} I sent out E Mails and phone calls .these was from XXXX XXXX I ask him if thy were trying to embezzlement me or scam me, he came back answered cam back real fast. I usually don't get answer. and he wanted to stop the refinanceing I have been working with this company NewRez sent XX/XX/XXXX and they stop it XX/XX/XXXX and then they started it back an said it would in XX/XX/XXXX and they were giving me the run around agine, the thy told me it was in underwriter an should should by the end of XX/XX/XXXXand then this happened .I am getting my attorney involved in this in my opinion it seme like discrimination! I ask them on 4 or 5 time if thy were going to do this refinance, NO ANSWER! XXXX XXXX said this is normal to change it! 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Someone applied for credit and my information was ran 9 times on my equinox, XXXX XXXX and XXXX credit report.

Company response to consumer: Closed with explanation