vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: USCB, Inc.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
I have called Axos XXXX/Axos Bank on several dates since XX/XX/2021 concerning a withdrawal in the amount of XXXX that began on XX/XX/2021 and has been pending since as well as a deposit that began on XX/XX/2021 for XXXX. It is important to note that the deposit of XXXX cleared from my bank account at XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I am very concerned since this was a change of platforms not of companies yet there are several issues with me being able to access my money. I am also concerned that they will " lose '' my money if I asked to have it transferred to another bank. In total I have a little more than {$24000.00} in this bank and I am very concerned I will lose access to my life savings. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I started calling the credit bureau back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
I refinanced my home mortgage with Watermark Home Loans in XXXX, CA in XX/XX/XXXX. About a month after the refinance was completed, I got a letter in the mail from the XXXX XXXX County Tax Collector 's Office. This letter contained a tax bill consisting of two payments, the first of which was due by XX/XX/XXXX for {$1500.00} Because I had recently set up an escrow account with the mortgage company, I phoned Watermark Home Loans at their XXXX, CA office. I directly asked the woman with whom I spoke on the phone if I needed to make this first property tax payment or if this would be paid from my escrow account. The representative told me that the property taxes would be paid from the escrow account by the due date and that I had nothing to worry about. 

After the due date had passed, in XXXX XXXX XXXX, I got another letter in the mail from the XXXX XXXX XXXX Tax Collector 's Office. This letter contained a similar tax bill as the previous letter, except that there was now an additional penalty due for late payment, totaling {$150.00} I contacted Watermark Home LoansXXXX XXXX regarding this penalty by sending a message through their website. The response that I got, a week later, was some " form letter '' stating that the escrow payment of {$1500.00} was paid after the due date. There was no mention of the late payment penalty. 

So, I sent another message through the XXXX  secure message system requesting that they address the penalty that I was charged. After a few more weeks had passed, I sent another message requesting an update. I got a response a few days later suggesting that I call their XXXX number. 

I called the XXXX number and spoke to a representative their at length about this situation. This woman told me that I would soon be contacted by the company regarding the penalty. This was over a month ago, in XX/XX/XXXX, and I never got any response. 

Today, XX/XX/XXXX I called the XXXX number again. I told the representative what had happened to this point and she suggested that I talk to a supervisor. I was placed on hold for ten minutes, when the original representative came back on the phone, apologized for the delay, and said that she would immediately connect me with a supervisor. I was on hold for another 15 minutes and finally hung up. 

Terrible customer service is a regular occurrence these days, but this company 's lack of response by its " employees '' is substantially more egregious than run-of-the-mill poor customer service. I have made several attempts to correct the situation, using different contact methodologies over a period of months. 

Most importantly, I should not be charged {$150.00} for an error that this company made after I specifically phoned them to be sure that it was dealt with appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I already filed a case ( XXXX ) with CFPB on AmeriSave challenge with the refinance. The company promised a monetary compensation of {$500.00} as part of the resolution. However, I never received the money. Hence opening a new case to request Amerisave to honor the compensation made to CFPB.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
My mortgage company still has not fixed an issue with my taxes. The timeline is as follows : XX/XX/XXXX The ECheck issued by my mortgage company from my escrow account is dishonored by their bank, and the county returns the funds. The money is supposedly in my escrow account as I paid it at closing. 
XX/XX/XXXX The funds are returned into my escrow account XX/XX/XXXX I receive a letter informing me of the dishonored check. I reach out to my Mortgage company and they ask for a copy of that letter. I sent a copy of that letter, and they said it would be handled within 7-10 business days. 
XX/XX/XXXX I send a secure message to my mortgage company via their website. No response as of today XX/XX/XXXX XX/XX/XXXX I call my mortgage company. I am placed on hold, then the call disconnects. By the time I get through the automated system, it as after XXXX and they are closed XX/XX/XXXX I call my mortgage company again. I am told they can not help me as the department I need to speak to is closed. 

As you can see, I have attempted many times to get a resolution to this issue, but to no avail. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Trans Union has yet to ADJUST MY REPORT AND XXXX. i HAVE MAILED THEM AND REPORTED TO THE CFPB

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 2021-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Title Clearing, Inc.
State: CA

Complaint narrative:
Because the fact I found there are some Robo-Signatures affecting the title of my property located at XXXX XXXX XXXX XXXX CA XXXX original caused by this company NATIONWIDE TITLE CLEARING INC. This company has been investigated in the past for the same I experience by 2 State Attorney generals. 
The end result has been I'm experience a Property theft without no Local, or State Agency willing to take my inquire complaint against this company. 
I asked them in a friendly manner to remove those fraudulent documents recorded in the County records they ignored and rejected my request, I File an inquire with the CA State Attorney Office ( attached ) as well ( I'm attaching the 2 consent orders from Illinois State AG and Florida State AG as precedent ). They didn't want to investigate this issue I reported as a California Customer Consumer. 
I'm trying to expose here I been a victim of White Collar Crime. I want someone assist me in order to protect my property. 
I understand because the Fact existed Robo signatures performed by NATIOWIDE TITLE CLEARING INC 's Employees all the following documents recorded are void plain and simple. 
As I stated against the Companies who performed the theft in my property with Null/Void documents even lying to the CFPB in each complaint I opened in the past against them. I would like to a very least to launch a investigation against NATIONWIDE TITLE CLEARING INC FOR RECORDING False/Void Documents affecting the title of my property which its been stolen as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: CT

Complaint narrative:
I have an account with eToro app. I use this app to purchase crypto currencys. For more than 5 hours I could not login to app to utilize services and therefore protect the money I have invested. Furthermore, the offline service that eToro has provided was not responsive. This company app has failed to provide service when I needed the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
UAS is attempting to say that I did not make a payment on my account for 3 months when there was a gap in my student loan forbearance. I have emails, screen shots, and payment confirmation showing that I did pay that amount. The emails also show that I spoke with them to make sure that when I paid the amount, my account would be current and my deferment would resume as I started graduate school. I have email payment confirmations showing that I made the payments they are referring to. They sent my account to collections now (XX/XX/XXXX ) saying I never paid back in XXXX, when we already resolved that issue. They refuse to take the account back from collection, therefore ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TN

Complaint narrative:
What is this complaint about? 
Predatory Lending What type of problem are you having? 

I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 
They did not tell me that there is a daily interest rate and lied to me about the APR. 


What happened? 
I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 

What company is this complaint about? 

This complaint is about misleading financial practices of CarMax. They have taken the predatory lending tactics of XXXX a major business partner of theirs who was just sued by the attorney general and applied it to their financial model of predatory lending. 


Who are the people involved? 

XXXX XXXX CarMax Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I went on line with Citizens Mortgage wanting to pay an additional {$100.00} towards my principal on XX/XX/XXXX a payment of {$1700.00}. On XX/XX/XXXX a second payment of {$1700.00} was again automatically withdrawn from my checking account at Citizens Bank. When I checked my account on XXXX I saw the 2 payments had been taken instead of one. I contacted Citizens Mortgage at XXXX was told by automated message I would have wait for a call back back on XXXX at XXXX XXXX. A representative called on XXXX and said I could not receive my funds back for 10 days, despite the funds being taken from my XXXX. Upset as I was I agreed he said he would make a note and the funds would be returned to my account. I waited until XX/XX/XXXX still no funds returned. I called again and the representative said due to weather in TX my refund was not processed until XX/XX/XXXX and it would take 5 business days for it to be processed and 5-10 for me to receive my funds in the mail. These funds were never credited to my mortgage and they have held them for 23 days and I cant expect return for another 10 days. Poor customer service and lack of urgency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Company approved my Refinance loan but never closes XXXX XXXX - Loan application was summitted with documents, acknowledged by the company and I paid {$500.00} as advance payment towards lender closing costsXX/XX/XXXX, even after 90 days, the Lender does not send final closing disclosures. The draft disclosures were all with mistakes and fed back to the lender. 

Complaints to their customer care was of no use I am losing money very month, due to the delay, as my interest rate currently is high.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I recieved a notice from Paypal that my account would be limited due to " using my Paypal account in a questionable manner '', and when I logged on my account, the website told me to provide a description of item that I sold. However, I received money selling through ebay, not paypal, and none of that money went into paypal. I put in the description box that I did not sell any items through paypal and I sent the verification, alongside my ID. I also did not sell anything illegal or against the terms of service, and I have been using my paypal account normally for almost two years. 

Four days later, I received an email saying that I can no longer use my PayPal account. I called the customer support number and when I explained my situation, they said that nothing could be done and that there would be no reconsideration. I insisted that they reconsider my case, and the rep told me that there was another department that they would forward my case to, but I honestly do not think that action will be taken to restore my account. 

I also emailed my case to XXXX five days ago, and I am waiting for a response. 

I believe that the ban was wrongful because I did not do anything wrong, and they would not provide a reason why I was banned, so there is no recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: CA

Complaint narrative:
How long does it take to get results after a dispute is file?. I am aware it supposed to be 30days well we are now way pass 30 days and still nothing. I dont feel that I should have to be writing this complaint just to get my results. Are bureau not working because of Covid? Because that the only reason I can see why they arent replying to me. There is no excuse for 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 2021-02-23 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: Kriya Capital, LLC
State: MD

Complaint narrative:
Dear XXXX I am writing to dispute the following information that appears on my XXXX  consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to Credence Resource Management, was added to my XXXX credit report. On XX/XX/XXXX I requested varification, from Credence Resource Management , LLC, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Credence Resource Management on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from Credence Resource Management dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by XXXX and requested the method of account verification. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

Credence Resource Management has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and Credence Resource Management LLC, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: GA

Complaint narrative:
I submitted a dispute back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX Credit Bureau XX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation