vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
My personal loan with lending club had fallen delinquent, due to things going on with the pandemic I wasn't able to make the payment on time. I got paid today and at the point I could take care of the payment I did so at XXXX XXXX  today XX/XX/2021 in the amount of XXXX. per the guidelines from the point I submitted the payment and satisfied my obligation to the debt at that point the calls in attempt to collect the debt should have stopped. I received one at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I answered nor did a message get left so I get that being covered by the rules. What my complaint is in regards to is that I proactively called lending club at XXXX XXXX to let them know the payment was completed ( which they even verified upon answering the call ) to which I asked if that would stop the calls and it was indicated to be the case. The violation occured when they called again at XXXX XXXX  after already having spoke to them in an attempt to collect a dept. Per the update to the guidelines, the attempts should have stopped at the moment that was noted. I will provide a receipt and a picture of my call logs with times. Note I did accidentally call them trying to read the call logs so there are extra records that will show that can be disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC
State: TX

Complaint narrative:
Interlinc has violated the Real Estate Settlement Procedures Act. We submitted on XX/XX/XXXX our property tax exemption letter issued from the XXXX Central Appraisal District. They continued to withhold funds in our escrow account that far exceeded their own company policy that states " If your escrow account is more than {$50.00}, it will be refunded. We have asked for more than four months for them to refund the escrow and adjust the account collection properly. 

I worked at the XXXX  and their incompetence is not allowing us to file our taxes in a timely manner. Interlinc Mortgage has exceeded the 60 Business days to correct my written inquires to them. 

They will state XX/XX/XXXX Total Amount Paid from Escrow : {$5300.00}. I inquire about the check and their email response today is " Regarding your escrow refund check, the check has not been mailed as of the date of this message. '' I am not ok with this answer. My initial written inquire was for them to correct it back on XX/XX/XXXX. 

They are violating the law, they are not entitled to tell me. " Please allow 5-10 business days for USPS delivery after the check has been mailed. '' It's past the 60 working/ Business days for them to fix the issue. We won't allow our money to sit on a desk in their office for them to mail when they get around to it. 

I worked at the XXXX and understand my Civil Rights very clear and my wife is a XXXX XXXX. Interlinc needs to do their job and follow the Federal Laws or I will take them to court. 

They kept withholding property tax when were exempt for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are continuous illegal acts and its been brought to their attention multiple times on the phone to their call center and more importantly in writing. If it's not in writing then it didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX 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 explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2020, a set of eyeglasses I had purchased with my American Express credit card were stolen from amongst my possessions, while I was having coffee and spending time at a local XXXX. The glasses were not visible to the public ; they were secured in a pouch along with other personal items when not on my face. Also, the pouch was not exposed in a common area, such as on my table. Rather, it was hidden on a chair beside the chair I occupied. The coffee shop is protected by surveillance cameras, staff baristas, private security and XXXX XXXX XXXX XXXX XXXX. The theft was reported to all parties, but search results were negative. American Express purports to offer purchase protection insurance, but draconian terms and conditions are imposed. A theft must occur in a utopian situation absolutely devoid of the possibility of theft before a claim will be honored, conditions so favorable to Amex that insurance of any kind would be superfluous, unnecessary. The basis of Amex 's claim denial is that I did not maintain the necessary security, a finding which defies credulity. Please use the authority of your office to have Amex reverse its baffling decision and honor my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: MA

Complaint narrative:
Company did not comply with TRID regulations and has not provided me with a loan estimate for my mortgage application. I applied on XX/XX/XXXX and was contacted by the loan officer on XX/XX/XXXX. After the initial email I didn't receive any additional information. I know the loan estimate must be provided within 3 days so on XX/XX/XXXX I emailed the loan officer to check the status. He replied on XX/XX/XXXX and stated " I did not receive confirmation that you are proceeding with the application and locking a rate therefore a loan estimate has not been sent. '' Neither rate lock or intent to proceed are required to issue the LE. Furthermore, how could I agree to proceed with the loan without seeing the terms on the estimate? I replied to the officer advising they had the 6 pieces of information needed to trigger an LE and he sent back a copy of the loan application as a PDF titled " LE '' which is misleading and frankly dishonest. It's now XX/XX/XXXX and I still do not have an LE to compare against other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
In order to pay off an auto loan balance, I mailed a bank check for {$28000.00} on XX/XX/XXXX. The check had not cleared or been shown on my loan balance as having been received, so I made additional payments in order to keep the next automatic withdrawal from occurring, assuming the check had been lost. I sent three separate online banking payments, one of {$10000.00} onXX/XX/XXXX, one of {$9000.00} on XX/XX/XXXX and one of {$9400.00} on XX/XX/XXXX. This morning, the original check of {$28000.00} cleared my checking account. I immediately contacted Hyundai finance, they acknowledge they had received double payment, and said that it would be 15 business days before the refund would be issued by snail mail. It seems a direct wire or bank transfer is the proper way to handle a refund of this magnitude.

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I notified the mortgage company, after I received emails over night, that said my escrow account was negative. I found 3 property tax payments were made but none for my mortgage. This was an error of over XXXX dollars. I was assured it would be resolved and I would get a phone call no later than XXXX XXXX. I was never contacted so I followed back up online and the issue was not resolved. I have called over 5 times since then each time being told the issue will be resolved and they will contact me back. They never return my call and my property taxes have still not been paid.I have talked to the escalations department multiple times and each time they assure me they will call me back because it has to be escalated but they never do and this has been happening for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have a medical bill in collections in the amount of {$8000.00}. At the time service in XX/XX/2019 I had private insurance but the hospital insinuated that I had zero medical insurance. Now that hospital sent my balance to a collection company. So I am being charged for a medical bill that is affecting my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: TN

Complaint narrative:
XX/XX/2021 Discover Bank called me to alert me about suspicious activity on my checking account via mobile deposit. After confirming that I did not make an attempt to deposit the item for {$2300.00} the agent recommended closing the account & opening another. I explained that a deposit from TN department of labor was due to be deposited the next day for {$3600.00}. The agent ( XXXX ) then said that she could freeze the existing account & wait to close it until after the deposit. I agreed. I called to follow up yesterday as the deposit hit as expected. The agent I spoke to was unable to close the account due to items not fully posted. I was instructed to call back today. I called back today & not only am I not able to open a new account. The agent closed my existing account & will not return my money. 
The balance prior to the {$3600.00} deposit was {$130.00}. My total funds due to me are {$3700.00}. I expect this to be expedited immediately as this is work compensation & federal funding. I do not care to do business with them anymore, they can close whatever they want. I want my money immediately. They can not garnish my money & do not have a court order. Since I no longer have access to the account I can not see what is being done with my funds which are exactly that, my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access onlinebanking properly. 

I found out a froud transaction on the account later when I have to go to another branch and go over all my transactiuons. I filed a dispute in XXXX, never hear back. I called many times, each time they told okay, then closed it, then reopen it. I do not have poseesion of the debit card at the time when the transaction occured. Filed a police report for lost items including the debit card. 

I am super busy doing XXXX  during COVIND-19, traveled during XXXX of 2020. Most times use my XXXX XXXX. 

The bank is unreasonable since the merchant could not provoide any evidence, the last time I heard from a rude guy from research department soon after I spoke with a lady who said ok and reopened. He said their decision is based on opinion while I am suffering and desperite for such a long time. How could they ignore it with so much facts and not to block a card, how easy it is to send an email, letter or text to notify me until they are clear of the transaction for such a big bank? How could they allow someone who use my card to do such amount of transaction? 

It's a horrible bank practice who's abusive, irresposnbile to long time customers, and they are repeatdtly misuse the previldege for having the problem with the accounts in their control!

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I checked my unemployment debit card with Bank of America and noticed that there was a fraudulent withdrawal on there. I called Bank of America they told me they would re-issue me a card. They said DETR would open a new one for me due to the fraud. I said great the next day I went into my account to transfer funds and it was closed. I couldnt even log on. Call Bank Of America and the rep told me to call DETR and speak to them. I asked then what happened and they said that the unemployment office closed my account and call DETR unemployment. I finally spoke to somebody from unemployment today and they told me that Bank of America close my account due to fraud and they had to verify who I am. I have money in that account and I cant even access my money because Bank of America close my account. This is ridiculous that the bank is holding my money!!!!

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 2021-01-30 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Hello, I was unable to attach the XXXX  feedback to the complaint : XXXX. I am starting a new CFPB complaint to attach the document

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 2021-01-30 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: TX

Complaint narrative:
On XX/XX/2005 an account was fraudulently opened by a relative with XXXX XXXXXXXX XXXX and it was never paid back and charged off in the amount of {$9700.00}. I sent notice for removal to XXXX and Transunion. They wanted more documents so I sent my FTC report and a ID Theft Affidavit to show it was not opened by me. They said they still would not remove that the creditor removed the block. XXXX XXXX sent me the forms for the ID Theft Affidavit. I advent had any response back from XXXX XXXX. I sent the documents two times to XXXX and Transunion. And still no removal.

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 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
There are several unauthorized inquiries reporting on my Equifax report. Ive contacted each company and Ive also contacted Equifax several times regarding the issue. And they have yet to resolve the issue. I would like all non account holding inquiries validated. If they can not be validated, I would like them deleted from reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
so I was a victim of identity theft and had multiple issues because of that and one was a bankruptcy so i disputed with Experian and they verified it after investigation and said the source was XXXX XXXX. So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was lexis nexis and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent 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 explanation
Consumer complaint received 2021-01-30 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: AR

Complaint narrative:
On XX/XX/XXXX my funds ( {$12000.00} ) was deposited to PayPal account that I setup and then later ( next day or less ) -24 hours from account creation, was locked and couldn't perform any actions, anything like withdraw, send, receive, purchase, add or remove bank & credit/debit card information, or anything at all. 

They ( PayPal ) sent me a notice to submit various documents to " un-lock '' the account. I complied and submitted all correct and accurate documents asked. Including my ID, bank statement, mail with current address, reason for deposit and funds, etc. Then, they would review information and unlock account in 24 to 48 hours time. 

However, after complying with PayPal 's requests my account got permanently locked and unable to use service ever again and that I could receive a email with the information on how to withdraw my funds being held in 180 days time. On XX/XX/XXXX ( over the +180-days time ) I tried and was not successful in withdrawing my funds. 

I still am unable to do anything after a phone call to PayPal attempting in every way to resolve this issue. I am not able to withdraw funds currently despite being told to wait the 180 days and I'd be given access to my funds they reassuredly advised me, yet have not to this day. To me this is theft of funds and deceitful public consumer practices that should be unlawful due to the amount of damage caused to financially, physically, and not to mention emotionally. Of which they thrust on individuals who use their service without public consumer choice or any other available options to decline or any other choices period. 

I have lost several things due to not having any access to my funds and my current credit worsens plus other things are due to loss and will lose, because of the denied access to my funds still after complying with every demand given by PayPal. Currently given only option to now be told to wait indefinitely while financial debt mounting up on me and no means to pay debt due now due to my funds being held for a non-senceful excuse nor reason which is solely determined by them and apparently no available actions for me to take to get or receive my own funds!! Please help me!! 


Respectfully, Me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I contacted Mercedes Benz Financial/Credit Services shopping for car loan. I was told that a credit score of XXXX or lower, the default interest rate is 5.99 %. I knew my credit score was higher then XXXX. So I allowed the representative to pull my credit, suffering a hard credit pull. He quickly determined that I have several loans but all in good standing and my score is XXXX. He then offered me an interest of 6.25 %! This is outragous! That is prediatory lending! I couldn't believe it. I want Mercedes Benz to further look at my application and review my credit. I also want CFPB to look into this situation and determine if I was discriminated against. I think because I am a XXXX woman my credit inquiry was dismissed and disregarded. Thank you.

Company response to consumer: Closed with explanation