vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was inquiring about a streamline refinance with my mortgage bank XXXX. they required a XXXX dollar deposit to start the process. After reviewing all the information, I decided not to proceed with the loan. I have not been able to get a refund on my deposit. The loan officer XXXX XXXX XXXX XXXX will not return my calls, she sends all emails via encrypted with no code to access the email. I am requesting assistance to have my deposit returned back to me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
XXXX # XXXX On XX/XX/XXXX I tried to transfer my holding in XXXX XXXX to my hardware wallet. XX/XX/XXXX initiated official complaint XXXX # XXXX. XXXX closed my case in XX/XX/XXXX. Posted to XXXX XX/XX/XXXX, XXXX responded XX/XX/XXXX still no resolution. 

Need to transfer XXXX from XXXX to my hardware wallet. Address is whitelisted and I can transfer from Coinbase Pro to hardware wallet but CAN NOT transfer from Coinbase wallet. I have provided screen shots and do not know how to make it more clear for them to resolve. XXXX months is more than reasonable amount of time to resolve this issue. Can not speak to anyone just email back and forth with a bot or other unintelligent support mechanisms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: AZ

Complaint narrative:
HIPAA Violations, please review documents. Please Not this is my second HIPAA violations dispute to Americollect.

Americollect did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax team, Please remove the following unauthorized, fraudulent inquiries from my consumer report, As I DID NOT give my permissible purpose per section 604 of the FCRA. Upon removal of these inquires please send me a copy of my consumer report reflecting the changes. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DEALER SERVICES XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Vermont Student Assistance Corporation
State: CO

Complaint narrative:
I'd like to bring to your attention.- the equivalent of pay day loans. The Vermont Student Assistance Corp has zero moral compass. They are greed driven and have no true interest in helping students with their education. I am the parent of a student that attended XXXX XXXX out of state ) I was forced/extorted in to co-signing a loan in 2008 so my son could continue his studies. The Original loan Amount {$4900.00} - they skim off the top $ XXXX leaving {$4200.00} for the student. As the cosigner i have been making payments for years. Currently as of XXXX statement, I have paid a total of {$4200.00} to VSAC ... .. and the outstanding balance is still @ {$3500.00}. If i were able to pay this amount today- I will have paid @ {$7700.00}. to pay back a net loan of {$4200.00}. So the criminal XXXX will profit {$750.00} + {$3400.00} = {$4200.00} on a {$4200.00} loan. This is beyond criminal maybe you can address this. 
I would love to hear back from your office on any action taken. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I applied for a FHA refinance with Amerisave Mortgage Corporation in XX/XX/2020 and we were preapproved.. The appraisal was ordered in XXXX and complete in XXXX. I sent all information in. Even when some were very unusual request. Everything expired and they did a new application. They needed more money and new appraisals and credit report. really. This is wrong! is this age discrimination and or loan type is to much work for them??? We were never tuned down and I proved a number of times that our loan to valve is in the guide lines. The two different originator and or the manager will call me. I receive update request as late as this week. We are preapprove with another lender.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
To whom it may concern : I recently quested from the collection agency and credit reporting agencies, to remove this collection off my credit report. I have wrote numerous letters asking for verification of this account and still I have not received it. I really need your help with this situation. I have asked them to send me documents bearing my signature and they have don't done so. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: MD

Complaint narrative:
Received a phone call stating a debt was owed. I've never had an account with this merchant and can not find anything on my credit report relating to this account. The merchant has never sent me any statements or anything in the mail regarding this account. I have experienced identify theft and my information has been stolen and used to open accounts previously. I had no idea who this company and is why they are contacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
During pandemic all of the banks which I am struggling to pay actually worked with me to make adjustments to secure my credit rating and help lower rate in order for me to get my financing in control. The following bank I have notified several time their only concerns are their own. We the American people gave them a bail out when they had problems and it seem as if they have forgotten that. 

I sent emails to the CEO XXXX XXXX, XXXX and XXXX XX/XX/XXXX. I simply asked for adjustments of late charges and interest for the past yr. Ms XXXX XXXX did have a representative contact me ; however the representative assured me there was nothing that could be done unless I caught up all arrears on accounts. I am only able to pay minimum monthly to maintain my credit. Please see attachements

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I own a checking and savings account with Arvest Bank ; on XX/XX/XXXX, I completed an ACH transfer from my debit card NOT affiliated with Arvest bank to my savings account for XXXX. Arvest took it upon themselves to take another XXXX off my card the same day which I did not authorized and tried consoling with them, they insisted they only took one payment no other receipts to give me and advised me that I also deposited XXXX on XXXX, XXXX which had NOTHING to do with my transaction. My debit card which is with XXXX XXXX advised this is a dispute but call hold times are running out two hours. I am very concerned about fraud taken place at this bank as the bank manager threatened to close my bank down for taking my money from saving and checking 's as I had mentioned this is very uncomfortable to me as a consumer. She threatened for me to calm down or she refused to assist to give me my money from my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to XXXX in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with Experian on XX/XX/2020.

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 2021-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was looking at my credit report and seen a bunch of stuff that wasn't mines on my credit report like bills, addresses and names. I sent letters and tried calling multiple times to get the negative information deleted but had no luck. I was told to come here and submit a complaint to get help. it has been 2 months now and still no answers from XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I entered a consumer credit transaction on XX/XX/2020 with Capital One and for the application it asked for my social security card which under 15 USC 1605 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any meaning no restrictions, that would mean my social security card which was used in this consumer credit transaction. Since this is commerce and the United States is a corporation under 28 USC 3003 and anything purchased using my social security card is Obligation or other security is of the United States under 18 USC 8. It's ambiguous to deceive a consumer into owing an alleged debt, when it was paid for at the start of the transaction, Capital One is just a extension of my Credit extended back to me. Capital One is furnishing deceptive forms, statements, and contracts that comes in a positive balance each month. XXXX positive balance and XXXX negative balance, it's impossible to pay on a positive balance because Capital One was paid at the start of the consumer credit transaction. They need to be held accountable for their actions in this corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
HSBC current account was created in XXXX. The amount I deposited is with HSBC. I can't make bank to bank transfers or make bill payments because there is serious bug in their website that affects only my account and not other customers maybe. 

HSBC has put me in a vicious circle - The expect me to chat online through internet banking. When they fail they ask to me to call the helpline. When they fail, they send me back to the online chat. The vicious circle goes on and only wastes my time. 

HSBC has admitted that its a complex issue and they have kept me waiting for 2 months in the hope of getting a response from IT team. 

I am emailing them daily by they only give assurances if 3 days and then they default on their commitment every time. 

SEVERAL COMPLAINTS AND NUMEROUS PHONE CALLS HAVE BEEN MADE with several man-hours wasted in the process. 

Complaint 1. XXXX is the complaint registered in XXXX XXXX. 

Complaint 2. <case XXXX is pending with manager XXXX XXXX Complaint 3 : XXXX Complaint 4 : Higher level complaint number on XXXX XXXX, 2021 - XXXX Routing Number : XXXX Swift Code : XXXX XXXX ( CHIPS ) XXXX Account number to transfer funds into at HSBC HSBC 's address ; HSBC Bank USA , N.A. XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested an investigation into a Bankruptcy on my credit report under my Social Security Number with Experian, which they have only reported on the investigation as accurate without any further information in XX/XX/2020. I have subsequently written to them requesting to provide detailed information on the source of the report, and their method of investigation as per my FCRA rights, which they have once again refused and have claimed the information was obtained from bulk information purchased. 
Then I provided them with a hard copy of the California Bankruptcy Court response to me on XX/XX/2020 verifying they DO NOT provide Experian and other credit agencies with any Bankruptcy report nor the verify any investigation, and yet they have ignored the court response and have not responded in last 4 months.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received this card from the Unemployment department to receive my unemployment benefits. There were no transactions other than the weekly deposits until XXXX when I went to the Bank of America branch to make a withdrawal of {$5000.00}. Two weeks later on XX/XX/XXXX through XX/XX/XXXX transactions started appearing on my account totaling {$1700.00}. 

As soon as I realized this I contacted Bank of America on XXXX, they said they would open a case and would receive instructions on what to do next. 

On XX/XX/XXXX I called Bank of America because I had no received anything in the mail to which I was advised that my claim had been closed on XXXX and to which they didnt specify the reason why it was closed. They said it would be reopened and I needed to wait. 

On XX/XX/XXXX I called back because I had not heard anything, they told me the claim had been closed and didnt give me a reason either but supposedly they would reopen. 

From XXXX to XX/XX/XXXX I called asking to speak to a manager because they would not be able to give me information on why my case had never been reopened. Asked to speak to a manager several times and every time my call would get transferred somewhere then it would get disconnected. 

On XX/XX/XXXX i filed a claim with the XXXX  XXXX  XXXX. 

On XXXX I received an email from XXXX XXXX XXXX Resolution Specialist Regulatory Complaints stating that she would be taking care of my case but never heard anything back. I checked on the XXXX  website and they never received a resolution to the claim. 

The situation was very frustrated and I felt like I had nowhere else to go but to give up until a friend referred me to this website. I feel very frustrated for this situation. I was unemployed for almost a year and I really need the money to pay for my bills.

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 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Service, Inc.
State: GA

Complaint narrative:
National recovery has not responded to a debt validation request that was sent on XX/XX/XXXX with no response within 15 days that has not been verified have attached information with no name for original creditor no name from the company sold please see attachment

Company response to consumer: Untimely response
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My name is XXXX XXXX, I have submitted several complaints against Wells Fargo Bank. 
Wells Fargo has sent their response. They thoroughly investigated my complaints. They deposited the money from the unauthorized accounts back into my accounts. They also stated that to close my accounts, that I have been asking them to close for months now. I could go to ANY branch and have them closed. They will not be paying me any restitution for all the damage they have caused me. END OF STORY. COMPLAINT CLOSED. 
Today I went to Wells Fargo to withdraw all the money out of my accounts ( Wells Fargo is now charging me a service fee for my accounts ) I asked to have my accounts closed. NOPE cant do that. I have to make an appointment with a banker to have this done. I also had them print a receipt for all my zero accounts. Guess what? The account that Wells Fargo has told me they refunded my money they stole from me. That is not my account. Does not exist in my accounts. Soooo where is the money that was refunded to me? 
Again, Wells Fargo has lied in every response that has been given to the CFPB. They have and still are stealing my money and NOONE is helping me. I am still living with the identity theft they are still enabling and they gave my refunded money to someone else. 
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 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collection Company
State: TX

Complaint narrative:
XXXX called from Professional Collections in XXXX, LA. I was sitting in my office during this phone call and my assistant was helping me answer phone calls. When we answered the calls, XXXX said she was calling for XXXX and went straight into listing my debts and amounts, some of which were medical. She did not confirm my identity nor did she read the mini XXXX rights. My assistant heard the entire call and unfortunately knows about two of my debts- medical and utility. When I asked to speak with a supervisor, I was forwarded to someone who asked if I was just not intending to pay my debt or why I was making such a ruckus. Once again, dismissing my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are several negative items still on my report that are not accurate. I had submitted a dispute for an investigation and a response into these issues on XX/XX/XXXX and I never received any reply from any bureau. I sent a follow-up dispute at that time which was on XX/XX/XXXX. I still have nothing from any of the bureaus and today is XX/XX/XXXX. I don't feel that a proper investigation has been completed since there has been no verifications made and no response received. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation