vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: Earm LLC
State: PA

Complaint narrative:
This company is contacting my husband and his relatives, using my maiden name. Not quite sure how or where they got my information or their information to begin with, but they are going by the company name MAC. Me and my husband recently bought a house using a VA loan and i am the veteran, so I had to clear up all my debts. Not sure who this company is or why they are contacting people outside of my family. They are asking them for references.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I recently refinanced my mortgage, transferring the loan from Pentagon Federal Credit Union to another credit union. The closing took place on XX/XX/XXXX and I was expecting the release of my escrow and refund of overpayment of the payoff within a matter of weeks but as of XX/XX/XXXX I have not received either refund. It seems to me that Pentagon Federal is holding my funds for the float rather than returning them to me in a timely fashion. Attempts to rectify this with PenFed were unsuccessful and when I reached out to the title agent, they informed me that PenFed actually processed the incoming wire a day after receiving it, triggering an unnecessary day of interest. 

My title agent suggests PenFed is notorious for doing this. 

Documents can be provided as necessary.

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 2021-03-22 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: LA

Complaint narrative:
XXXX XXXX XXXX and Transunion should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-03-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

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 2021-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have attempted to receive the tax documents needed in order to file taxes for a trust I manage. I have contacted the institution and was advised they would be emailed, only to be called by a different department that they dont have access. I have been denied online access to the documents and have been given misinformation and the run around denying me access to the required documents.

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 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I rented a car from XXXX XXXX car company in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the car company stating that I had received a speeding ticket by photograph and that I would need to pay XXXX {$530.00} to pay the ticket. I contacted DC to try to gather more information to dispute this ticket, as I had been advised that speeding tickets may be contested ( and are frequently incorrect in DC ). I also notified XXXX that I was disputing the ticket. 

While I was waiting for a result from DC, I then received a second notice from XXXX on XX/XX/XXXX, whereupon I immediately sent a check out for {$530.00} payment to clear up the issue. This is notice XXXX. On XX/XX/XXXX, my check was cashed by XXXX. On XX/XX/XXXX, I received a notice of collections from Transworld Systems Inc. stating that I owe {$100.00}. Transworld said that this was transferred to XXXX XXXX XXXX and the account number is XXXX. The Transworld Reference No. is XXXX XXXX. Attached to the letter from Transworld is a copy of the XXXX notice that states that I owe {$530.00}. There is no mention of an additional {$100.00} owed. I have now called XXXX and Transworld multiple times to get this cleared up and have not had any success ; they just keep sending me the same {$530.00} bill that I have already paid. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOWNEBANK
State: VA

Complaint narrative:
After dragging my mortgage process out for almost 45 days, TowneFirst Mortgage of XXXX VA pulled my loan on XX/XX/2021, less than 36 hours from my initial closing date of XX/XX/2021. I was never given a concrete answer as to why the loan was pulled, nor was I able to get a response from anyone within the company advising on same. 

I believe they have been mishandling VA loans as they did not follow procedures and regulations regarding multiple issues including length of income, suitability of partner generating income, and transparency of underwriting decisions.

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 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: AZ

Complaint narrative:
I've gotten the fraudulent accounts removed from XXXX and XXXX. But Bull City Financial Solutions in XXXX, NC keeps reporting the fraudulent utility account from XXXX XXXX on XXXX for the amount of {$160.00}. I've made disputes to the company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have confirmed I have not provided authorization for Navient to auto-dial or robo-call my cell phone. Despite this being noted in my profile information I have received numerous phone calls from Navient, which upon answering, a followed by long pauses before the representative responds to me answering the phone. These calls have occurred from XXXX and were received on XX/XX/XXXX at XXXX, XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX in recent call history from my cell phone. I consider the frequency of these calls to be harrassment considering my account was less than 30 days late and would like their business practices investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was not able to open up a checking account and I then ordered my consumer report many banking accounts were opened in my name and I believe were used for fraudulent actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: PA

Complaint narrative:
The next day, on XX/XX/17 I go to the XXXX XXXX branch and talk with XXXX XXXX. I showed her my documents and explained my case. She agrees she sees no foul play on my part and contacts the Fraud department. After some more accusatory questions and almost 2 hours later they ask me where were you on XX/XX/XXXX? I explain Im a XXXX XXXX and I was in XXXX Texas. They stated that on that day the check was cashed and stamped on the back by XXXX XXXX. I call my mom while Im in the bank to see if anyone was in her apartment or how could this have happened since I left the check with her. After I told her this she said she thought she may have accidentally placed it in the XXXX envelope when she was trying to pay her {$9.00} bill. So I said to Ms XXXX how is that my issue or BOAs issue? I did everything correctly because the check was made out to me & my signature was on the back so why would they come 11 days after the deposit was completed and extract money from my account. Ive been a patron for over twenty years and they didnt have the decency or courtesy to extend so much as a phone call, text or email to alert me that they thought there was an issue but just took the liberty of taking my money out of 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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IV'E FILED A COMPLAINT WITH THE FTC # XXXX AGAINST EQUIFAX FOR VIOLATING SECTION 609-811 OF THE FCRA FOR FRAUD AND REPORTING ERRONIOUS INFORMATION ON MY CREDIT REPORT AFTER SEVERAL ATTEMPTS TO GET THEM TO DELETE ITEMES LISTED BELOW : ACCOUNTS- ATTORNEY GENERAL, XXXX, XXXX XXXX XXXX , XXXX XXXX AND XXXX XXXX. 

IF THE STATED ACCOUNTS ARE NOT DELETED IMMEDIATELY I AND PREPARING TO LITIGATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
Possible Finance was trying to collect a payment from me for {$43.00}. I have been over a year been unable to make the payment due to their inability to let me update my information online/through the application. I was forced to email them, as during COVID they were not, and are still not taking calls. No one is returning my emails so that I can clear up a {$43.00} debt. They continue to report me late, and it is hurting my credit. I have emails for over a year to pay and delete this account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-03-22 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: Winklevoss Exchange LLC
State: IL

Complaint narrative:
{$500.00} locked by Gemini.com ; Account Status in 'Pending Verification ' status forever and Gemini not allowing to Close account and refund money back ; Gemini not responding to emails ; phone call is also not allowed, just plays a message 'please send email '. 

Please help. 

Account opened and Money transfer date XX/XX/2021 ( money into Gemini ) Emails below : " '' '' '' '' '' '' '' On Mon, XX/XX/2021 at XXXX XXXX  XXXX wrote : Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX  XXXX wrote XXXX Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX Gemini <support@gemini.com> wrote XXXX # # - Please type your reply above this line - # # Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, Gemini Customer Support On XX/XX/XXXX, XXXX XXXX, XXXX wrote : 1. Why can't I buy XXXX with my {$500.00} balance? Says, 'limit reached ' 2. Why can't I deposit more money into my account? Says, 'limit reached ' 3. Why don't I receive SMS for 2F auth?

4. What is pending with account verification? Why is it taking so long? 

If you can't resolve these ( been stuck for half a month ), please refund back my deposit and cancel my account? Very inferior customer experience, so far. 

Please escalate, expedite and pay attention. 

Much thanks. 


" " '' '' '' '' '' '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I recently send a letter to XXXX  disputed two items that was on my credit report as ( Original creditor ) with no phone number or address for the creditor. XXXX  stated that these items were verified by the creditor. I called the creditor and they stated that " they have no outstanding account with a balance. I also asked XXXX  for that creditors information in which they gave me a company called, PARAMOUNT RECOVERY SYSTEMS. I called PARAMOUNT RECOVERY SYSTEMS and they too stated that these items was verified just by my name and date of birth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC

Complaint narrative:
Hello, I applied for a mortgage with Quicken/Rocket mortgage company in XXXX of XXXX. During all discussions I made it clear I was looking for a mortgage with a rate of 2.75, no points, and an APR of under 3 %. I spoke with XXXX XXXX XXXX and he said he would be able to do this. When I received the initial paperwork I noticed there was an origination fee with 2 points which was {$8700.00}. I immediately called XXXX XXXX who assured me these " points '' had to be added to get the rate I requested however XXXX/XXXX  would be covering the points in credits and they would be at no cost to me. XXXX XXXX went over the loan estimate, noting there would be credits ( some of which were under the " Adjustments and Other Credits '' section in the amount {$5900.00} ) and with an estimated Cash to Close amount of {$200000.00} he explained that the points were covered by Quicken/Rocket .... over the time period between the initial Loan Estimate and the Final Closing documents there were several adjustments made ( in the Loan Estimate dated XX/XX/XXXX the cash to close increased to {$210000.00} with Adjustments and Other Credits changing to {$8900.00} ) however I never questioned it as I was told I would be credited for the applied points. There was also a personal loan in the amount of {$11000.00} so I understood that many adjustments were being made but again I was told that the points ( in the amount of {$8700.00} ) would be covered by XXXX/Rocket Mortgage. When we were scheduled to close on the loan the points remained and it was explained that the " Adjustments and Other Credits '' were actually charges as they did not have a minus symbol. I explained that I was assured there would be no cost of closing points to me and I was told to go ahead with the closing as we did not want to lose the home and it would be investigated after the closing. We closed on the home on XX/XX/XXXX and I have been doing back and forth with Quicken/Rocket to try to resolve the matter. While they have verbally acknowledged XXXX XXXX stated XXXX would cover the majority of points, they have offered me .25 % of a point which amounts to {$1000.00} as a resolution. To me this is unacceptable. Their practices were misleading and unfair, and I would have never agreed to the mortgage with them had I known they would do such a thing. I purchased this home with my mother who has her original mortgage with XXXX XXXX and we did not get our current mortgage through them because they required us to pay points to get a rate of XXXX. XXXX XXXX assured me the points would not be of cost to me and would be credited and covered by XXXXRocket Mortgage. While I originally believed this was an accidental mistake on the part of XXXX XXXX and XXXXRocket Mortgage I now feel it was done purposely to mislead me into paying said points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: KS

Complaint narrative:
Hi, I had opened a dispute for remittance transfer made using the Service of Remity on XX/XX/2021 receipt/reference number XXXX for the amount of XXXX . The money was supposed to reach my bank account of XXXX XXXX XXXX Account XXXX but it didnt due to No credit status on my XXXX XXXX account. 

Upon contacting Remilty same the customer representative XXXX XXXX/XXXX/XXXX/XXXX  asks me to upload my XXXX XXXX bank statement which I did right away upon further investigation they gave me UTR Number XXXX provided by remilty partner bank in XXXX and asked me to check with XXXX. 

When I contacted XXXX XXXX they informed me that they had returned the money to the XXXX XXXX  on the same day itself and provided me UTR Number XXXX. 

I am providing this information to the Remitly Customer representative for more than a month but still and there is no response from them. I am calling every day about it and getting very rude and weird responses. I had more than 64 calls in the last 30 days and chat with customer representatives more than 27 times also. 

I am attaching my XXXX XXXX bank statement for the last 30 days and email confirmation from them about the refund to the XXXX  XXXX  along with UTR details. Also attaching the chats transcripts which I had with the Remitly customer representative. 

My money is still with Remitly and their partner Bank XXXX XXXX and they are really not willing to return my money back.

Company response to consumer: Closed with explanation