vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I believe my application was started at Amerisave XX/XX/XXXX. It has now been almost 120 days and not closed. My application and my loggin info with Amerisave always said cash out loan. I have expressed to everyone that I needed to max the amount I could get out because I needed braces. My first loan originator said she could get back approx {$7000.00} to me. She made a mistake with my address and it costs the process a month. She was apparently fired. Second loan originator ( XXXX XXXX ) got my file XX/XX/XXXX. I expressed to him that I needed to max cash out. See emails. He sent the loan to underwriting as just refi not a cash out. I figured that out with the loan processor ( XXXX XXXX ) on XX/XX/XXXX. She sent an email to XXXX and his boss trying to fix it. XXXX replied to that email that he spoke to me and everything was fine- I never spoke to him-have sent call log from my phone as evidence. Since that point he has sent me condescending, bullying, and rude texts to make me close the loan and said I can not speak with his boss.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: PA

Complaint narrative:
User name XXXX on XX/XX/2021 try to withdraw {$9100.00} for eToro Use llc something happen in their account department which required additional information in order to complete my withdraw. An email was suppose to be sent out in 24hours with instructions .No email was sent out .I been while for 3days .I open several tickets to see the problem no respond yet. The amount is still pending!

Company public response: Company believes the complaint is the result of a misunderstanding
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: 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: DC

Complaint narrative:
For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a FICO, or XXXX score in the FCRA, FDCPA or TILA. 

I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to EQUIFAX regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. EQUIFAX is in violation of this code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Coinbase, Inc.
State: NJ

Complaint narrative:
I opened an Account with Coinbase XX/XX/2021. I transferred XXXX and purchased BitCoin XX/XX/2021. 

I lost my cell which contained my 2FA authentication. I notified Coinbase XX/XX/2021 and they immediately locked my account to protect my account and assets. 

I replaced the phone and requested access back to the account. ( The old phone was located on my property where I lost it yet was destroyed by rain. ) My Coinbase account was never touched or accessed by anyone but me. 

They assigned me case # XXXX It been a month and they have not responded to my various attempts to regain access to my account and my assets. 

My request is very simple : Please send me instructions on how to get back into my account so I can continue trading.

Company response to consumer: Closed with monetary relief
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 have always paid my mortgage bi-weekly from the Bank of America checking account. I have never missed a payment. I set up the bi weekly auto pay so that in a year an extra principal payment gets made. Since XX/XX/XXXX Bank of America mortgage payment system has been inaccurate. 

Ive reported the concern from the very first time it was detected. The representatives said their payment system was updated which caused internal issues. They havent fixed the issue. Instead they sent me threatening foreclosure letters. 

Ive responded to that clarifying it is an error on their side. After further escalation to the XXXX they seemed to have finally assigned someone on the case. In late XX/XX/XXXX I assumed it was fixed but in XX/XX/XXXX I was again faced with late charges and fees. 

What Bank of America is doing is. They collect my bi weekly payments within the month but instead of applying as a payment it goes to a holding account where it collects money while Bank of America continues to threaten that I am 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 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I paid this line of credit off early and there are no fees for paying early. I was charged {$80.00} twice when I paid {$6000.00} on XX/XX/XXXX. 
Interest charges throughout the loan were not calculated correctly. I paid because I was afraid of reporting me late. I have over paid by at least {$500.00}. My last payment was {$180.00} and paid on line and was final payment. 

I am done with banking violations! 
I spoke with Mr. XXXX from the CFPB the last complaint I made. Why is CFPB in place of you allow TD to keep committing banking violations.

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: 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: DC

Complaint narrative:
For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a XXXX, or XXXX score in the FCRA, FDCPA or TILA. I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to XXXX  regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. XXXX is in violation of this code.

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Chrysler Capital/Santander locked me into a predatory loan. The dealer falsified my income and approved me for a payment I could not afford. I have had to use deferrals to delay payments when I fell on hard times. Unfortunately, Chrysler Capital still reported my payments as late to the credit bureaus. Their questionable lending and payment and reporting practices have lowered my credit score and are hindering my ability to buy my family a home. The recent lawsuit against Santander, including in my state of Illinois, for these very same practices only covers those who went into default or repo. I, however, will be looking into remedy for those of us who struggled to pay but did. I will also continue to fight Chrysler Capital on the reporting of late payments when I expressed to them a hardship, especially in XXXX in XXXX when I called about COVID relief, but also in XXXX when I asked about a deferral and other options. If Chrysler Capital does not remove these late payments, I will proceed with the next best options. It is time they are no longer allowed to contribute to the generational wealth gap and systemic inequities.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reported to Equifax and XXXX  that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted Equifax and XXXX  notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked Equifax to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that Equifax remove the unauthorized inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Navient has the worst customer service, and I dont say that lightly. For three months I have had the run around with them calling or sending an email to say my payment is late, when I have been told that my account is in auto pay. I have removed the account, re-enrolled, and been assured by my bank that everything is correct. I received confirmation emails that my application went through for automatic payments, and then the same cycle happens again. The last time I called customer service about this and expressed my frustration, the customer service representative belittled me and started talking to me like I was a child. When I asked for her to transfer me to someone competent, she yelled at me. Never in my life have I had to deal with such downright disrespect from people because I dont have the rights to transfer my service to another company without losing the benefits of my repayment history. Its downright abusive. I get anxiety now when I have to call them, knowing that I will be met with contempt on the other end of the line. I followed their so called self help section to rectify the issue to not have to deal with them, and it still hasnt worked. I would prefer to have someone listening on the line when I make a call to make sure they will treat me professionally and fix the issue once and for all so I never have to speak with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp
State: TX

Complaint narrative:
Account was closed XX/XX/2021 with no notice or reasoning. I was asked To submit ID and a bank statement from another account to which I complied. I have called several times and and always am told the research department is investigating. My tax return showed it was deposited to the account on XX/XX/XXXX. The last representative I spoke to said my account is now closed and I would be mailed a check for {$100.00} ( my balance before my stimulus and tax returns were deposited ) He stated my account was closed on XX/XX/XXXX so they do not have my {$1700.00} tax return. Its been almost a month and I have yet to receive any check and am not able to update my tax return. I also filed complaint with XXXX  and theres dozens of complaints all with the same story. I want to find out what I can do to recover my stolen funds regardless of the fact they closed my account with no reason I need to know how to get my money from these crooks and they need to be shut down immediately. Also have to contact IRS and determine if theres anyway to recover my funds they stole from that. Being recently unemployed and desperate need of the money they stole from myself and many others is imperative. XXXX XXXX  is the name of the so called bank.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reported to XXXX  and Experian that I have been a possible victim of Identity thief. I have recently pulled a copy of my credit report and notice multiple unauthorized inquiries on my report. I have contacted XXXX and Experian notifying the private company of the unauthorized inquiries. The company responded with inquiries are factual which is not true. I have asked XXXX to produce documents of such proof of inquiries in which the Company has not responded with such proof. I am demanding that XXXX  remove the unauthorized inquiries from my credit report immediately.

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: 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: WA

Complaint narrative:
The account XXXX XXXX  reporting on my credit report is in violation of the FCRA by reporting a balance after the account being closed on XX/XX/2017. Please delete this account immediately.

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: 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have 3 degrees that I obtained from XXXX to XXXX. I had 3 student loans and paid all 3 federal grants off in full. None are on my report. I purchase two houses between XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and current address at XXXX XXXX XXXX XXXX  with my husband XXXX XXXX, XXXX. Neither are on my report. I purchased a car in XXXX from XXXX XXXX in XXXX ( XXXX XXXX XXXX and in XXXX I purchased a XXXX Truck from XXXX XXXX in XXXX. I was sick in XXXX and missed 1-2 months in two credit cards and now my score is ruined even though I paid those I also paid that off. None of these items is on my credit report. I think you purposely keep peoples scores low. I know you wont do anything. You always ignore what I say and side with Fico and the credit card companies and ignore all the things I have told you above and that is documented as early as XXXX. The ageism inherent in your complaint department and the lack of willingness to help me is so frustrating I have let it get the better of me. I am just tired of all the things I have done not being on my report and no one making any real attempt to respond to any of my concerns. I wont come molar again.I am fully aware that you dont care, wont believe me, and wont do anything to truly explore what Im saying but I am making one last attempt. I think the callousness with which you respond to complaints is disgusting.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
For well over a month my Coinbase account has told me that " Buys are currently disabled '' for my account. The only option listed is to go to their FAQ which says that it's typically due to a chargeback on the account, in which case I would need to contact Customer Support via email, due to incomplete/incorrect ID which would need to be updated, or if not to still contact Customer Support via email.

I sent 3 email requests to them over the last 30 days and the only response I get is the automated message of " We've received your request and will respond shortly ''. 

They have no other means of contact unless you think the account has been compromised which I don't think it has just that there is something preventing me from trading fully on their platform. I am able to transfer/sell currency but not invest/buy anything with no clear indication as to why.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXXXXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
My name is XXXX XXXX and I am a PayPal user with email address XXXX I received a payment from my limousine partners in XXXX and XXXX decided to freeze my account informing me that I will be able to withdraw my funds after XXXX  days. 

Since then I have faced issues of not able to log into my PayPal account. 

PayPal XXXX office email me informing me that I will be able to withdraw my funds on or before XX/XX/2021. 

But I tried logging into my PayPal account with my correct details and it keeps saying " your info isn't correct or some info are missing ''. I then decided to change my password and it keeps saying the same thing. 

Since I have not been able to log into my PayPal account, I am believing that PayPal itself as a company has taken my funds and blocked me from logging into my PayPal account. I have read cases where PayPal take people 's funds to themselves unauthorized. 

I need explanation with this and assurance that PayPal will not steal my funds. 

I want to be able to access my account and withdraw my funds. 

I would like someone at PayPal to reach out to me. 

My reference number where my funds was held for XXXX days is XXXX I will be ready to take PayPal to court for damages if my funds isn't released.

Company response to consumer: Closed with explanation