vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: UT

Complaint narrative:
Message : I, along with others ( check their comment sections ) continue to have problems with them allowing to withdraw money. They quickly withdraw from my bank, but it has been 3+ months in trying to get them to allow me to withdraw any money. There is always something else I need to do or they just don't respond. I want law enforcement to look into their website and business because I believe they are involved in mega fraud. I don't know where else to go for help.

This is my latest response from them : eToro Customer Service XXXX XXXX ( 11 hours ago XXXX XX/XX/2021 to me Hi there XXXX, Thank you for your email. 
We have well-received copies of your Utah driver licence. Nevertheless, we also require a clear picture of yourself in order to fully verify your account. 
If you wish to close your account, you can follow the self-service account closure link at the bottom of your Account Settings : https : //www.etoro.com/settings/account Note that before the account can be closed, all open positions must be closed and any remaining funds withdrawn. 
Upon closure, your email address will be automatically removed from our mailing lists. 

Also note that once the account is closed, it can not be reopened. If you wish to trade with us again in the future, you are more than welcome to open a new account with a new username and email address. If you wish to use the same phone number. Please contact us after opening the new account and we will be happy to verify the phone number manually. 
Should you require further assistance or information, please reply to this message or chat live with us during our business hours. 

Best Regards, XXXX XXXX. 
eToro Customer Service My reply Cut the garbage. My photo is on my drivers license and there is nowhere in your system to post a picture. Just return my money by allowing me to withdraw. And your error message always refers me to customer service which is non existent!! There is no phone number to resolve issues and seldom do I get a response from email within several days.You have no customer assistance. I have never been so disturbed by a website as I have with this one. 
Copy of this email is sent to CFPB for financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Bushwood Capital Group, Inc.
State: CO

Complaint narrative:
XXXX XXXX, President of XXXX XXXX XXXX signed a contract with a Company I worked for in XXXX of XXXX and agreed to pay the company a referral fee. In XXXX of XXXX I received a 1099 from XXXX XXXX with my social security number for the fees he paid the company. I never provided or agreed to any contract work with the company. He then apologized, and requested the company 's EIN from me. I was very upset that XXXX illegally searched for my social security number through a skiptracing site such as XXXX XXXX or XXXX to obtain my social security number illegally. I have also had recent inquiries on my report that I have not consented to. My social security number has been compromised and illegally obtained by XXXX XXXX and his company. There needs to be some type of legal action taken against XXXX XXXX and his company to prevent future fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
I have recently completed 12 months of on time payments after completing a forbearance. 

I asked my servicer ( RoundPoint ) through their customer retention group to reach out so I can talk to them about refinancing my loan ( throughout the forebarance my credit to a hit because the payments were reporting late ) No response. I followed up with another email two weeks later and received no response. 

I then reached out via email to the customer service group. I received a notice that the request had been received, but no response. Prior to this, the customer service department has been good about responding. I send another message a week later to follow up on my question. 

My hope is that my servicer could assist if anyone can due to the credit hit. I can accept a no, I cant accept being dismissed as not important enough to respond to.

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 2021-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I had a charge on XX/XX/XXXX for {$150.00} on XX/XX/XXXX. My charge was for {$29.00} on XX/XX/XXXX posting XX/XX/XXXX. I have been disputing this charge as the clerk at the store charged me for someone else 's items, voided it however it posted to my account. I have been asking for a update for-3 months, no one knows what to do or say. I was promised by XXXX, employee # XXXX a credit would be issued within 24-48 hours by manual adjustment however still nothing. TD BANK is the poorest servicer of any credit card I have ever experienced. They do not address issues or resolve them. They do not do right by consumers, they make excuses, and continue there agenda. TD BANK should NOT be allowed to do business in the XXXX if they continue not to make things right. I can't stand chasing this incompetent servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In late XX/XX/XXXX Wells-fargo sent me a debit card, savings account info, and by seperate correspondence a PIN. There is no date on correspondence from them, not even a postmark. I did not request an account with Wells-Fargo, I do not want an account with Wells-Fargo. In early XX/XX/XXXX, I called Wells-Fargo, was transferred to the Customer Advocacy number, XXXX, briefly talked to a XXXX, she hung up. I think Wells-Fargo is at it again, with the unrequested bank accounts.

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 2021-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
According to the CARES Act Mortgage Servicers or Lenders were not supposed to add additional interest or fees or penalties during an approved Forbearance period. Prior to Covid-19 my loan balance was around {$100000.00} - {$100000.00}. As of today XX/XX/2021 the loan balance increased to {$110000.00}. Why is Chase Bank adding additional dollars to my balance when they were not supposed to add any additional interest, fees or penalties during Forbearance period per CARES Act?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: NY

Complaint narrative:
There have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXXXXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed XXXX XXXX XXXX XXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: AL

Complaint narrative:
In the month of XXXX I tried to pay my water bill with my prepaid account using my account routing number and account number. It is a prepaid card account but we have access to our account information. My payment submission was returned to the water company unpaid. There was over {$600.00} dollars in the account at the time of submission. 

The bank returned my payment unpaid and now the water company wants me to pay a {$30.00} NSF fee even though there was plenty of money in the account to pay the bill. 

Was told that I could not use my routing number and account number for a prepaid card account to pay a bill. However PNC has nothing in writing for us that says we can not use out account number to pay a bill. 

The water company is requiring me to give them something in writing stating that fact ; that we are unable to use my account and routing number and they will remove the NSF fee from my account. 

I called the bank to ask for information regarding the inability to use a account number and routing number for bill payments ; and have yet to receive anything. I was told that it would be something that they would have to create for me in order to get the water company to remove the fee. It has been over 30 days and I still have not received a reply to my compliant. 

I know of other prepaid cards that allow you to use your account and routing number to pay your bill ; this is the only bank that I am aware of that you can not do a transaction in this manner. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am XXXX and I am tax exempt from paying taxes on my home through a tax relief program in the county I reside in ; XXXX XXXX, Va. 
I sent the letter from XXXX XXXX to BOA I am not sure what happened, but somehow it was NOT put into their system correctly. I went to BOA on XXXX XXXX XXXX XXXX, va XXXX in XX/XX/XXXX, I met with XXXX XXXX at BOA customer service dept and explained what happened, and she faxed the letter with a short note. Still nothing. I am still showing late and getting late notices in the mail. I tried to call on numerous occasions, but never got through to anyone but the collection department. I went back to BOA on XXXX XXXX On XX/XX/XXXX, and XXXX XXXX helped me once again. Apparently the entire situation was fixed. It was not. I went back to the bank again in XX/XX/XXXX and the manager XXXX XXXX told me they could not help me with my mortgage problem anymore. I need to get on the phone and the escrow Dept will help me. I called escrow Dept on many of occasions and it keeps rolling my call to the collecti9ns Dept. 
They have been saying my mortgage is late and have been reporting it late for almost 1 year now. I have recorded the last 2 conversations with the collections escrow Dept. I HAVE NEVER BEEN LATE WITH MY MORTGAGE! I am so frustrated with this if you dont help me Im gon na have to drive to headquarters in NC. 
THANK YOU for your assistance in this matter. 
I have all of the late notices and have recordings, and always being promised I would get a call back and they will escalate this. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: NV

Complaint narrative:
The consumer reporting agency has violated 15 usc 1681 ( a ) by reporting inquiries on my consumer report. The law clearly states, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the consumer report. The action of the consumer reporting agency reporting inquiries, on my consumer report, is an additional violation of 15 usc 1681 as the action violates my right to privacy. Through the action of reporting inquiries on my consumer report, the consumer reporting agency has violated 15 usc 1681 ( b ) being that I have never submitted written instruction to the consumer reporting agency granting my consent to report inquiries on my consumer report. 
The consumer reporting agency was notified of its violations in writing. Confirmation of delivery and receipt of written notification on XX/XX/2021. A report was also filed with the Federal Trade Commission. To date, the consumer reporting agency has not made any attempt to correct its violations of the aforementioned consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NY

Complaint narrative:
There have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed CXXXX XXXX XXXX XXXXXXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done

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 2021-03-01 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: OH

Complaint narrative:
I have been disputing this account for about 6 months. They dont care that they are reporting incorrectly. Im educated on the laws and its the law that each credit bureaus has to report 100 % accurate information on the consumer accounts. They are really not cooperating with me at all. They are ignoring what Im saying to them. They keep on saying that the account is verified or accurate but I never stated that the account wasnt mines I just pointed out the errors and I just want the account delete because they are reporting the account incorrectly. I have the original statement from the creditor and they still reporting the account incorrectly. I want the account deleted immediately, I will take legal action next because they really acting as they dont care.

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 2021-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
I was a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, from XX/XX/XXXX to XX/XX/XXXX. I properly notified the XXXX property manager, XXXX XXXX, using the XXXX lease termination form, that I was vacating the apartment on XX/XX/XXXX. I left the keys and security dongle with the XXXX front office on XX/XX/XXXX. I paid all my rent through XX/XX/XXXX. 

However, weeks after leaving XXXX, XXXX XXXX sent me a letter claiming I had " skipped without notice '' and therefore I had forfeited my security deposit and owed an additional {$1000.00} in rent. This is a lie. I have the email I sent XXXX XXXX properly notifying her, on XXXX 's form, of my move out date. 

XXXX has filed a false claim with I.Q. Data International , Inc., a collection agency. I.Q. Data sent a letter to my parent 's house dated XX/XX/XXXX, which I first learned of earlier today, XX/XX/XXXX, when I came to visit them. I.Q. says I owe {$1100.00} to XXXX under transaction number XXXX. 

This is a false claim. I paid all of my rent payments to XXXX until XX/XX/XXXX. I properly notified XXXX of my lease termination. I can prove it with copies of the emails and attachments. I do not owe XXXX any money for rent after XX/XX/XXXX. I.Q. International has no right to attempt to collect this money from me. 

The contact information for the companies involved is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX Doing Business in Nevada As : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX And, I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To cfpb, On XX/XX/2021, I applied for a secured credit card for small business account on Wells Fargo online application platform. Application Number for Small Business Secured Credit Card : Application No. XXXX After about a week or two later from not hearing from anybody at Wells Fargo regarding the status, I decided to call. 

I spoke with one of the CSR 's who stated by application had been halted because they hadn't received my collateral. She mentioned that I needed to get a money order & take it to a branch. 

I then went to their branch in City of XXXX, California and the branch manager there had no clue they even had the service. I then went again another day and still they wouldn't take my collateral. 

I then made a complain to Wells Fargo corporate escalations : XXXX XXXX and I am a Case Specialist in the Wells Fargo Enterprise Complaints Management Office. Who stated he will promptly attend to my concern. And nothing. 

I then called their customer service escalation and she advise for me to mail new money order to : Payment Remittance Center ( For Business Platinum and Secured Card ) XXXX XXXX XXXX XXXX, MN XXXX Which I sent via USPS tracking # XXXX. The money order was signed for and delivered on XX/XX/XXXX, XXXX. 

A few weeks later, I called again because of no communication from Wells Fargo and they stated that process was incorrect, that I supposed to send it to another address with a collateral transmittal form. 
So I went back to the XXXX to get another money order for {$500.00} and send per his instructions via XXXX tacking # XXXX delivered to XXXX XXXX XXXX XXXX XXXX # XXXX, Attn : Business Card Collateral, XXXX XXXX XXXX, IA XXXX. 

Since XX/XX/XXXX, Wells Fargo has not opened by secured credit card, nor they have returned the additional {$500.00} that went to Minnesota. 
I tried calling many times customer service, escalations, and nobody will take imitative in locating my money order, action it, nor want to be responsible for helping me recover my {$500.00} money order, but if they are not going to open my secured credit card, they now owe me {$1000.00}, plus taxi fees, postage, etc. 

Thank you

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 2021-03-01 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: SC

Complaint narrative:
I'm writing this due to non-compliance with the credit reporting agency TransUnion. They have failed to delete the unverified accounts listed on my account that I have disputed several times with certified letters in the past. I strongly believe that they are in violation of the FCRA laws and by refusing my requests and they continue to violate the laws. I sent them certified letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have requested that XXXX show me how they verified that the accounts on file belong to me and they have not provided me with any documents with my signature.

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 2021-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is a rate reduction offering to lower interest in loans. XXXX Ive asked countless times, Can anything else be done to lower my payments? they say No repeatedly, when that is not the truth. I found out about the rate reduction option through several articles online. An option for an interest rate reduction should be disclosed when people ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit companies are still reporting an item that was removed from my account months ago and the debt is not mines and does not belong to me

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: NM

Complaint narrative:
I reported illegal collections tactics by NCB Management on XX/XX/2021. The illegal tactics included daily phone calls with no messages and no demand letter. The calls stopped, and now the company has reported a debt I do not owe to the credit bureaus, another violation of the FDCPA. I was notified by XXXX  of the derogatory report on XX/XX/2021.

Company response to consumer: Closed with explanation