vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: DISCOVER BANK
State: NJ

Complaint narrative:
Did Not authorize companies for inquiry and do not recognize companies XXXX XXXX XXXX  XXXX  Companies Inquiry date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I received a debit card from money XXXX point that I have never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP
State: WI

Complaint narrative:
My husband and I applied for a construction loan and mortgage with a one time closing from GSF Mortgage to build our home in XXXX. We were given the loan and had our closing in XXXX of XXXX when the home was complete. We chose the option to pay interest on the construction portion of the loan while the home was being built. A year after of being in our home we chose to refinance through another lender because we were dissatisfied with servicing our loan with GSF. Today my husband received an email from XXXX at GSF, that after a audit we still owe {$90.00} in interest. This is after the closing in XXXX of XXXX in which the whole loan ( conventional and construction ) was rolled into one loan AND after we refinanced with another lender ( the lender was given a pay off balance ) during the refinance process. GSF is unprofessional, unorganized company. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TN

Complaint narrative:
For months I have been contacting all three credit reporting agencies asking for proof of the bankruptcy they are reporting on my credit. Each company Keeps saying the information Is verified without providing me proof of this verification. I have contacted the company they listed as their source of verification and the company has stated they removed this bankruptcy from my public record but the credit reporting agencies refuse to remove it.

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 2021-03-23 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: TN

Complaint narrative:
For months I have been contacting all three credit reporting agencies asking for proof of the bankruptcy they are reporting on my credit. Each company Keeps saying the information Is verified without providing me proof of this verification. I have contacted the company they listed as their source of verification and the company has stated they removed this bankruptcy from my public record but the credit reporting agencies refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING LLC IS A COLLECTION COMPANY TRYING TO COLLECT BY COURT WITH MY NAME BUT SOCIAL SECURITY NUMBER IS INCORRECT, THE ADDRESS IS INCORRECT IT WASN'T ME AND SENT A AGAINST ACTION TO MY EMPLOYE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I sold Bitcoin that was in my portfolio managed by the Gemini Trust Company. As a result of the sale I now had {$15000.00} available to withdraw. I initiated the withdraw via a wire and within minutes I had an email confirmation stating that I would have the funds in my bank account within 1 business day. It's now been 21 days and I still don't have my funds. I have submitted countless support tickets, sent their support XXXX account many direct messages but they don't reply with anything but automated messages stating that they are really busy. As I mention above, I have submitted many support tickets but this is the ticket number for the first one that I submitted on XX/XX/XXXX XXXX. 

I would appreciate any support I can get to have this resolved. At this point it feels like theft as I don't have my money and am not getting any valid status of what is happening with my funds. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XX/XX/21 I submitted a complaint with CFPB complaint # XXXX. XX/XX/21 company response was they will refund {$500.00} for the appraisal because they took 5 months and still did not close refinance. I did not receive my refund and tried emailing the address given to me on the complaint but no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: E*TRADE BANK
State: IL

Complaint narrative:
I am a victim of identity theft. On XX/XX/2021, I received in the mail a new debit Mastercard for a new checking account at E-Trade Bank that I did NOT open. I immediately called E-Trade, waited 30 minutes on hold, and the rep told me that the account was " restricted '' and that he couldn't close it but it would 'eventually ' be closed. I asked that the fraud dept ( which was not avail on a Saturday apparently XXXX contact me. By XX/XX/2021, I still had not heard anything, so I called again. The rep again told me that the account was 'restricted '. She tried to close it for me but was not allowed to close the account. She stated that the 'restricted ' account could be opened if identifying documents were faxed in. I told her that since the fraudsters have all of my information, they could easily make and fax in false documents. She offered to transfer me to the fraud department but noted that their wait time on hold was 47 minutes. She said she would put my information in the queue and someone from Fraud would call me that day or the next day. No one ever called. 
I also submitted a request via email ( XXXX ) and received no reply. 
I want this account closed. I do not want to sit on hold with ETrade anymore. I want them too have easier access for consumers to the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
XX/XX/XXXX - XXXX charge on credit card XX/XX/XXXX - Statement closing date XX/XX/XXXX - Statement due data XX/XX/XXXX - Next statement closing date XX/XX/XXXX - Next statement due date XX/XX/XXXX - First tech calls me to indicate late payment past 30 days due already reported on my credit report, I immediately pay the card and close the account XX/XX/XXXX - First tech reports first 30 day delinquency XX/XX/XXXX - First tech reports second 30 day delinquency XX/XX/XXXX - Lender hard inquiry XX/XX/XXXX - Visit branch in person to resolve with First tech, I am told that this is not an error and to call the generic customer service hotline. I call customer service hotline and they reach out to same department that branch member talked to and give me the same incorrect information. I request to speak to someone in the credit department but they refuse so I speak with a manager. The manager assures me that this second 30 day does not make sense and they say they will speak to the credit department themselves and call me back the next day. I then talk to another customer service representative and get the exact same story. 
XX/XX/XXXX - First tech calls me back and tells me that they will take up to 30 days to look into meanwhile my window for correcting the XX/XX/XXXX hard inquiry is expiring on XX/XX/XXXX so it is likely that my credit will suffer an addition drop due to another hard inquiry after this matter is resolved. 

From the timeline above, it is clear that the second 30 day delinquency was filed in error by First Tech. This was reported to only XXXX and not the other 2 credit bureaus so it was clearly an error. Also, based on the fact that the account was fully paid off ( AND CLOSED ) on XX/XX/XXXX, there is no way that a 30 day delinquency should have been reported on XX/XX/XXXX. First tech has refused to take responsibility and simply provide a letter stating that this is an error to avoid further damages to my credit. As a result, I will have to pay extra points to reduce in interest rate to a level that is still higher than if this error was not present, or refinance after the error is corrected. As a result I will suffer thousands of dollars of damage that could have been avoided if first tech was competent enough to recognize and resolve their error the first time they were made aware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
Hello, Ive gotten a call at least twice a year over the last 2 years from a fraudulent caller. Its a self claim debt collector calling about a bad check  they says I defaulted on with the company XXXX  XXXX. I used the services of XXXX  XXXX back  in XXXX??, when I lived in metro XXXX, OH. Ive contacted XXXX XXXX Corporate Collection office about this matter numerous times, and their words to me You dont have an outstanding debt with XXXX XXXX and are not in the system. I was also told by XXXX  XXXX If the number calling dont match XXXX XXXX XXXX XX/XX/XXXX phone # its a scam. The last two numbers that called me was XXXX & XXXX for the scammer. When I ask for a persons, company name and business address they wouldnt give, just continues to pressure me for information. Ive asked them not to call my phone again and hangs up, but they stops for 5 or 6 months and calls back with a different phone number with a more aggressive attempt. I talked with 4 different departments with XXXX XXXX today XX/XX/2021 to get some type of information to have for my records, but they have none. Its been over 20 years since Ive done business with XXXX XXXX and have lived in Georgia for as many years. The account is too old and I dont have or owe any outstanding debts to XXXX  XXXX. Please help me with this matter, this fraudulent caller is very annoying and harassing. 

Thank You! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Good Afternoon, Consumer Financial Protection Board ( CFPB ), I'm writing to your department today to initiate a complaint against XXXX Bank and their servicing company LoanCare. My complaint is in regard to escrow shortages for XXXX under XXXX Bank XXXX and for XXXX ( under LoanCare ). 

The last two years my escrow shortages have been {$1000.00} for XXXX and now for XXXX {$1100.00} respectively. I've checked with my Insurance Company and the tax collector and my insurance and taxes have increased {$270.00} and {$290.00} respectively. My question is how is my escrow shortage over {$1000.00} or {$1100.00} for {$2000.00} and XXXX when the increases in taxes and insurance is under {$300.00}? 

I've approached the bank numerous times and can't get a satisfactory answer. if my payment for XXXX increased from $ XXXX {$1100.00} to cover the 1st escrow shortage over 60 months XXXX my request ), then isn't bank, per their own statement in writing collecting this shortage over 60 months per that payment? Is the new payment for XXXX of {$1100.00} collecting the escrow shortage of {$1100.00} over 48 months? I'm confused by this basic math. 

The Bank and loan servicer is telling me that isn't how escrow works. After collecting the shortage for 12 months, as opposed to the 48 months listed in their statements, the escrow analysis starts over and there will always be that shortage. 

This is a questionable business practice at best, in my opinion. I'm reasonable, if that's the case, then why doesn't my payment go back down to the original {$1100.00} and then the escrow shortage is applied. I contend the bank is collecting the shortage over the 48 month or 60-month period, but isn't reducing or eliminating the escrow shortage and keeping the Lendee in a perpetual escrow shortage loop and unless the person pays within 12 months will always owe the escrow. 

I don't have a problem with this if the bank was forthcoming with this information, when, in my opinion, the bank is allegedly disingenuous. The bank isnt collecting the escrow shortage over 48 months or 60 months, it expects Lendee to pay the escrow within 12 months or the process starts all over again. Im making a complaint against bank for this questionable business practice and would like a CFPB representative to call and discuss this situation further. I've attached copies of the XXXX and XXXX statements for XXXX and XXXX respectively as PDFs. 

Thank you for your time and assistance regarding my complaint, 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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  MDT I sent {$150.00} as an instant transfer to a friend to help with an emergency expense. The money was not received in the time quoted for the transfer, instead sitting in a pending state. On XX/XX/XXXX I contacted PayPal customer service via chat through their website to inquire about the delay. I was informed that the " Instant Transfer '' had instead been sent as an " E-Check '' resulting in the delay, and that the money would be available to the recipient on XX/XX/XXXX. On XX/XX/XXXX I see the money still pending. I check my bank account activity for the money I sent to see that the transaction was no longer an authorization hold and had posted to my account on XX/XX/XXXX, so I again contact customer service, this time via phone. When I finally receive a callback to speak with an agent I question why my transfer was sent as an " E-Check '' instead. I am told that there are several reasons why this can happen : declined/disputed transaction, ensuring funds being available in account for amount being sent, PayPal viewing transaction as a " risk, and multiple login attempts. '' I haven't had any declined payments through PayPal, and the debit of funds from my account for the transfer had fully posted. I have been using my PayPal account to send and receive money in amounts excessive of {$200.00} since XX/XX/XXXX, and I accessed my account via mobile app twice in the same day using Touch-ID to login with no error. I explained this to the agent to show how none of the reasons she gave for why my transfer was sent as an e-check were applicable to my account. I asked when would the money I sent be available to the recipient, and was told XX/XX/XXXX. I asked if there was anything that can be done on their end, and was told that there is nothing they can do. The issue was then escalated to a manager to assist me with. The manager proceeded to recite the same rhetoric as the agent before, causing same information to be unnecessarily repeated. This exchange became increasingly irritating as no solution was being presented to the situation where I was clearly a victim of UDAAP violations as a consumer. Upon asking if they had any solutions I was told I can address this issue with my bank. The {$150.00} I sent is currently still pending in PayPal 's system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My minor sister has a bank account with Bank of America. My father was the guardian. My father passed away in XXXX. I was appointed her guardian. I provided Bank of America with the XXXX XXXX in early XXXX. I provided them Letters of Administration, Orders from the Court, the Guardian Order appointing me as the Guardian. I have called them so many times I can not even remember how many. I have waited on hold for hours. I have went to banking centers. I waited in banking centers while a manager called headquarters and argued with them about getting it resolved, but even he was unable. No one has been able to help me. They refuse to change the account to appoint me as the guardian even though they have everything they need. 

This is outrageous. It has been 5 months. Please help. They are wrongfully withholding this money that the minor needs. They keep telling me they will call me but they dont. Then when I call them, they put me on hold and dont do anything to fix the problem.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I purchased a food package for an inmate at our local jail. The commisary came out to a total of {$100.00} with 20 overnight express delivery included. The commisary provider said they could not take debit card payments only Cash App or cash at the actual facility. So I paid them CASH app a total of {$100.00}. The money was instantly taken but the package did not arrive as i paid for. By the time my friend was released the package still hadnt arrived to him. I tried numerous times to reach out to the contracted provider via email about 3 times then i tried to reach out to cash app and still to this day I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: LA

Complaint narrative:
On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had confirmed a reservation with XXXX XXXX on XX/XX/XXXX XXXX total I paid XXXX. On XX/XX/XXXX, I received a email stating my reservation had been cancelled due to Coronavirus pandemic. They told me I had to call my bank to get the total of my money back. The bank told me it takes 90 days for them to investigate the claim, 90 days was up and I received a letter telling me they had denied my case. And I had to go to XXXX to get my money. I had talked to a supervisor at XXXX, and they said I had to go to my bank. They keep giving me the run around and here it's XXXX and I still haven't received my money. And I need the money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
When COVID lockdowns started last year I needed to return cable television equipment my mail because the stores were closed. I sent three pieces of equipment back. The company gave me credit for two pieces and is attempting to collect for the third piece. We know they received the box because they credited me for two of the three pieces of equipment. 

They sent me to collections, I submitted a complaint, and they removed me from collections. Now they have sent me to collections again. Ive spent hours on the phone with them and no one in their organization seems to be able to resolve the problem. They are usually rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation