vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am refinancing my existing mortgage with Navy Federal Credit Union and I am at the closing stage. My loan agent was pressuring me to schedule a closing date for Tuesday XXXX XX/XX/2020 and I had not received my closing disclosure. I received it Friday XXXX XX/XX/2020 in the afternoon while I was at work so I couldn't look at it until I got home. When I looked at it I sent e-mails to cancel the scheduled closing because my escrow account was grossly excessive. It had listed a cushion for homeowners insurance at 9 months of {$100.00} and property tax cushion of 6 months at {$470.00} per month for a total of {$2800.00}. My total property tax and insurance bill for the year comes to {$5400.00}. The cushion for my escrow should only be listed at 1/6 of that total according to RESPA section 10. They have my monthly escrow payment listed as {$570.00} which is {$120.00} a month over what it should be if you divide {$5400.00} by 12 months which would be {$450.00}. My total escrow cushion of {$2800.00} plus my 12 months of escrow payments at {$570.00} equals {$9700.00} for the year. My total escrow disbursement for the year is {$5400.00}. I asked my loan agent why the payment was so high and she said it was probably because of inflation. She said she has never heard of RESPA and she has been doing this for a long time and this is how Navy Federal Credit Union handles their escrow accounts. On Navy Federal Credit Unions website it lists their procedure for escrow accounts that is in compliance with RESPA section 10 but the employees don't follow it. My existing escrow account on my current mortgage with them has been handled in the same fashion. I have never had a refund in 4 1/2 years and every year I get a bill for triple the amount of my property tax and insurance yearly increase and my monthly escrow payment amount also goes up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: IL

Complaint narrative:
XXXX and Experian both refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. Experian removed the bankruptcies after the first round of disputing.

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 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have bought Virtually currency worth several thousand dollars from Coinbase in their platform. They should then have provided access for me to use or transfer my purchases. However, after receiving my payments, Coinbase has closed my access to the account and not letting me using or receiving my purchases. 

They have added a statement on my account saying that " ... you have attempted to log in to your account from a country prohibited by law in doing Business ''. 
However, this is not true at all. I have only accessed their platform either from my home XXXX XXXX ) or office ( XXXX XXXX, XXXX. I'm also the only user of my account on their platform. It's worth mentioning that the purchases were also made via my account which was also verified by them. 

I have contacted them several times via their contact form, emails, and social media ( Twitter ) as well as by post. But I have received no response from them. 

After investigations on their social network accounts,XX/XX/XXXX, and etc, I have found a considerable number of complaints and negative comments about Coinbase that is attempting to take people 's money/purchases with untrue statements, and then ignore the people to provide any response to them. There are many similar cases that you can find them online who have been trying to contact Coinbase for months. 

This suggests that either the Coinbase owners are trying to make unlawful financial gain in any way possible, or their system has an error. But, if the latter, they should have provided an answer and investigated and resolved the issue, in particular, despite my several attempts to contact them. However, they did not respond, and in fact, because of their bad reputation online now and peoples ' comment, it looks that they simply take peoples money/property in any way possible for -unlawful- financial gain. This action is considered fraud. I'm now very stressed now and I can only hope that is not true, and problem can be solved soon. 
I have also, according to XX/XX/XXXX asked them for my data. This is not provided as well. 

I, therefore, kindly ask you to help me and investigate my complaint in this regard. 

Thank you in advance for your work and efforts. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called XXXX XXXX on XXXX XXXX to see if I could reach a settlement for a delinquent account on a defunct voluntarily repossessed auto. I spoke with XXXX at extension XXXX. She offered me a settlement on the XXXX debt. I accepted and paid it the same day during business hours XXXX XXXX. ) I was expecting the SBA to pull my credit for an Economic Disaster loan for my businesses which were effected by XXXX. I disputed with the credit bureau Experian on the same day or next day. They completed the dispute in 30 days. It came back as verified even though I have documents that it was paid. I called Experian after the 30 days. I spoke with an agent who put the dispute in again this time with my receipt letter. Yesterday XXXX XXXX, 2020, I called XXXX XXXX and spoke to XXXX. She said she will email me a form to submit a dispute directly with XX/XX/XXXX. The damage is done. I believe this is a violation of the Fair Credit reporting act, the Cares Act and possibly others and am seeking remedy. I needed this off of my credit in a timely manor as I am effected by covid-19 and needed to get a Cares act Business Loan and this process has hindered my application process thus my livelihood and survival.

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 2020-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've disputed this XX/XX/XXXX account on several occasions with XX/XX/XXXX through XX/XX/XXXX. this account is inaccurate it's reported as open on XX/XX/XXXX but closed on XX/XX/XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/ on XX/XX/XXXX and reported opened XX/XX/ on XX/XX/XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XX/XX/XXXXaccount that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on Experian XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and 12 late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over 12 late payment and a past due balance of {$470.00} as well as XX/XX/XXXX with a late payment which I've never made late

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 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
A few months ago I requested the BOFA 's credit card department to waive the annual fee for my XX/XX/XXXX credit card due to the difficult situation and uncertainty of the moment. They denied it, and the only option available to get this charge reimbursed according to them was if I decided to close the account. I asked if I could switch or convert this credit card to a different one, and they said that I was able to qualify for the conversion. Recently, less than a week ago I called again and I almost got the same answer but to my surprise, I was able to qualify for the conversion-which technically they close one credit card and open another one- However, they couldn't reimburse the fee because it has had been a long time since my first talked around the subject with them. We are talking about XXXX but wait for a minute. Life has changed dramatically since then? I didn't like the unfair treatment, especially since I have been a customer for over 3 years and I never had missed a payment or been late. On top of that, I explained to them that the main reason for getting this credit card is not there anymore because XXXX XXXX doesn't fly anymore to my country of origin. It did it just for my first year of using the credit card.

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 2020-12-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account.

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2020 I provided my passport ID, Deposit slip, along with a XXXX XXXX XXXXXX/XX/XXXX Cashiers Check that was endorsed to me in the amount of {$37000.00}. US Bank Client Relationship Consultant, XXXX XXXX refused to accept and deposit the check and informed me that the US Bank Branch policy states that the endorser of a check must be present with an ID in order to deposit anything over {$10000.00}. She told me to try another US Bank and maybe they will deposit, but not at this location. 
I asked to speak to a supervisor and had to wait about an hour to see one. The Assistant Branch Manager, XXXX XXXX said that she would go ahead and deposit the check, but that a 7 day hold is required. She provided a " Notice Of Hold '' letter stating that funds are being held due to " Repeated Overdrafts ''. I indicated to her that I have not had any overdrafts and would like a letter showing an accurate reason for 7 day hold. She would not change the notice and told me that I can deposit the check elsewhere or have the endorser reissue the check in my name then she can deposit without any hold. The check was finally deposited, but with a 7 day hold and no funds made available. The deposit was also reported as " Income ''.

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I've been filling complaint after compliant since XX/XX/2020 and now it's a couple of days before XXXX and I'm still struggling to put food on the table no XXXX for my family, at least we could have a few cans of beans and spam anything. But not with this bank. There the ultimate XXXX! XXXX even better yet!!! I've been waiting for responses from them for fraudulent charges no response just put me in the wrong never questioned me about anything just made Exclusive and Executive actions on my behalf? Okay so you're working with the fraudsters? 
I'm broken up during this pandemic but the banks have to survive even if that means unarmed robberies from their own customers. I'm really to hungry and way tired of this. Please someone help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a total of 5 letter to TransUnion regarding inaccurate information on the credit report. I have asked them several times to remove the XXXX Late payment from my credit report. They have failed to do so and completely IGNORED my request. They haven't updated my account in regards to the request. This is a VIOLATION as it has been FIVE months of trying to get this payment removed. Transunion is the ONLY bureau reporting the payment as late. If they did PROPER verification then it would be the same between all three bureau. A CLEAR violation. I also requested for them to remove addresses from my credit report that is inaccurate and they IGNORED my request. I will also be filing a complaint with 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 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
I bought this vehicle from XXXX on XX/XX/XXXX I was XXXX and went to XXXX  XX/XX/XXXX and got out XX/XX/XXXX I contacted the bank immediately and tried to make payment arrangements they said that they wrote off the debt as bad there and that I could no longer make payments on the loan. I know there was no right to cure sent to my address I have Usps informed delivery and I have went though every day looking for it. 
The car was eventually repoed since they refused to work with me and again I did not get any notice of intent to sale or right to fix transactions. 
When I called about the car they said they sent a certified letter of intent to sale to XXXX XXXX XXXX XXXX XXXX Iowa. This is my grandmothers house and she has received no mail for me she has lived there for 50 years and gets her mail daily. 
lastly the vehicle was sold for XXXX thats a rough figure I just seen that amount drop on the balance on my credit report. According to XXXX the cars value was well over XXXX to XXXX and if you take into the damage on the door it would take it to XXXX to XXXX so they also didnt get fair market value by XXXX to XXXX. I paid XXXX So we have several violations of Iowa state law. 
No right to cure was sent. I can prove that by proving Usps mail emails. 

No notice of intent to sale the vehicle was sent. I can prove this with my grandmothers affidavit when I asked for the tracking number for the certified letter she couldnt find it. 

Lastly the vehicle was not sold in a reasonable matter. Way under value. 

Also Im still waiting on the bill of sale and my property which I requested from the vehicle.

Company response to consumer: Closed with explanation