vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I opened an account with Binance US on XX/XX/2021 in order to invest in crypto currencies ( virtual currencies ). I had assets worth of approximately {$2000.00} and transferred those assets from Binance to Binance US, because the company mentioned that I had to open an account with Binance US. According to the company 's website account verification process generally takes 15 days. It has been almost 2 months, but my account verification still shows as pending. Binance US does not have a phone number. The only way to contact the firm is to fill out a form and submit online. In order to ask the status of my account, I filled out the form online, but I did not receive any response. I tried to contact the firm through XXXX, but again, I never received a response. My assets are worth {$2000.00}, I want to sell those assets since I need that money but the company is holding on to those funds, and do not respond to any of my inquiries. I need the CFPB to help me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX we entered into a Refinance of our Home Mortgage with Amerisave Mortgage Corp. of XXXX GA, following a referral from XXXX XXXX. We were assigned a Loan Originator, XXXX XXXX, from their XXXX Office. We asked MrXXXX XXXX if an Appraisal of our Home would be required and he replied no. We then paid {$500.00}, as required, prior to the Company advancing our Mortgage. On XXXX we received a document request including instructions to assign our XXXX XXXX XXXX to XXXX. On XXXX we faxed all requested documents and reassigned our Home Owners Insurance. At this point, communication with Mr. XXXX was poor. XXXX Mr. XXXX sent a second document request, " concise list of what is seen as outstanding at this time '', and on XX/XX/XXXX we faxed the single document requested. No additional requests were received. On XX/XX/XXXX Mr. XXXX sent us undated Disclosures for our signature. We emailed some questions to Mr. XXXX. We left a voice mail on XX/XX/XXXX because of no response. On XX/XX/XXXX, following a complaint to the XXXX office we were assigned a new Loan Originator, MrXXXX XXXX XXXX. He answered our questions, and said we were now required to have a Home Appraisal. Our provided Time Line will provide concise additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have attempted several times disputed this debt with this company who has charged all 3 of my credit reports with false information. They have shown no proof of the charges made an have made no attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I am being overcharged in my escrow account for almost 5 months now. I have tried about 100 times ( no exaggeration ) to get in touch with the customer service, the loan department, anyone at all, and I can never get through to speak to a live person. Their phone systems simply bring you into a never-ending automated loop, not allowing you to ever speak to a human being. I have sent in requests for calls back and assistance and have only received automated email responsed. 

I am fearful that I can not go on much longer paying the extra money ( that I shouldn't have to ) and will end up missing payments and possibly going into foreclosure. 

My statements show my escrow payout going up nearly {$200.00} in XXXX, which is impossible. 

I need help please, I am a United States XXXX XXXX Veteran and a first-time home buyer. 

I am at a complete loss here in how to handle this. 

Please help me. 

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 2021-03-29 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Gemini account still not verified after a week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion placed a collection debt on my credit file without proper investigation and I wish to dispute or have the debt collection removed immediately. I understand my rights as a consumer and believe Transunion is in violation. The collection they reported is from a collection company called XXXX XXXX account # XXXX in the amount of {$6.00}, XXXX. I asked the collection company for debt validation and they failed to provide proof. I am a very responsible person and my credit history is excellent. I've lost over 100 points due to transunion failure to investigate matters.

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 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are XXXX XXXX XXXX XXXX. Bridgecrest is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: KS

Complaint narrative:
I had a deposit come in in my fiance 's name so they closed my account saying they was returning the money to the originating bank they needed a letter of indemnity first which the other bank sent and they told them their was no funds to be refunded their is XXXX dollars to be returned ... When I called they said they sent them to the wrong email which is the email they told me to tell them to send them ... They are just giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
This correspondence is in reference to complaint # XXXX. Security Collection Agency has defaulted by not rebutting my affidavit with an affidavit however I am giving them an opportunity to cure by granting my demands from my initial complaint which is to XXXX the balance on this account, immediately delete it from all consumer reports and pay the invoice for violating my consumer rights under 15 USC 1692. ( previous complaint attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail. They are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I made an application to Citi Card to transfer a balance from another card. During the process, they made the transfer then immediately closed the account as a " fraudulent application '' and suspended all activity. I tried calling them but they wouldn't budge. I paid back the balance transfer and the fees immediately, and assumed they would close the account as fraud. Instead, they are showing it as " account closed by consumer '' I did not take action to close the account. This was a decision by Citi. Citi was made whole and all money involved has been returned to them. I cut up the card upon being told that my account was fraudulent. 

Citcard needs to show the correct reason the account was closed with the credit report agencies. That is, closed by issuer on account of fraud. This is their words and their interpretation.

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 2021-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I already submitted a Complaint to the CFPB on in XX/XX/XXXX in Case Number # XXXX. 

This is all over a van that costs a few thousand dollars, which I am happy to give back to Ally, but they kept calling my friends and family and avoiding contacting me. I am a licensed attorney California Bar # XXXX and this van was owned by Stepfather who passed away last XXXX and my mom is severely XXXX and in a XXXX home. I have been dealing with my Mom 's estate, COVID, and the birth of a new baby, along with my busy legal career. I could care less about this XXXX XXXX XXXX, but for some reason Ally Bank repeatedly has someone from XXXX repeatedly harass my elderly and XXXX mom and now my friends and family. 

This is completely unacceptable and absusive collection tactics, which CFPB needs to know about, because I can defend myself. However, who knows what they are doing to those who can not.

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 2021-03-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I first attempted to open up a premier checking account online, which is required in order to qualify for a bonus XXXX {$600.00} ). 
Account was not opened, reason ; unable to verify my identity. 
Called the bank for assistance and was given misleading inaccurate information and was told to reapply after 48 hours. 
Checked all 4 of my credit files to make sure the information contained within was accurate as suggested by HSBC  representative. 
Waited the 48 Hours as was suggested to reapply on XX/XX/XXXX, with the same results ; declined unable to verify identity. Tried again 1 hour later adding an additional product savings account, decline same reason. Call back again was told to wait 72 hours, it was suggested that the system was Auto declining me. 
Waited and called them again for assistance, received the same scripted answers, transferred multiple times ( 3 ) with no results. not one representative was able to assist me. Called back the department designated to assist people with XXXX on XX/XX/XXXX. Was able to speak to a representative who tried help. He was very frustrated receiving the same conclusion. he could not provide a complete explanation on why the decline was happening. 
He was going to check out my options, but has not contacted me back to me in the timeframe he stipulated. 
The bonus program I was applying for is expiring XXXX XXXX. 
I won't be able comply with the requirements because of The bank 's Discriminatory practices prohibited me from opening this account. They offered no Accommodation for me. They offered a product bonus with no intent to honor the offer. Unlawful business practice. They used Discriminatory barriers to prohibit customers verification through other lawful methods. 
Application ID # s ; XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is more info in reference to these complaints : XXXX XXXX I called XXXX XXXX  XXXX  ( Owned by XXXX XXXX ) and they confirmed that I paid off my bill via autopay on XX/XX/XXXX and I never had a late bill. The person checked the greater XXXX XXXX network and showed no other accounts. He said this account was fraud. 

This make sense as to why I never got a bill before it was in collections and also why when I spoke to TransWorld Systems when I first became oaware of the delinquent payment ( XX/XX/XXXX ), they told me they tried to contact me at a phone number which never belonged to me. 

I should have never paid Transworld and they owe me a refund along with the prompt removal of this delinquency from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MI

Complaint narrative:
I have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.

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 2021-03-29 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: MI

Complaint narrative:
I have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MI

Complaint narrative:
I have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.

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 2021-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am a 100 % XXXX Veteran in Texas, and have applied for and received a 100 % property tax exemption from my county ( XXXX County Appraisal District ) as of XX/XX/2021. 

In early XXXX, I submitted the forms from the appraisal district and the VA to the mortgage servicer, PHH Mortgage ( XXXX XXXX XXXX ). Originally, I was told that they would re-calculate my monthly payment in XXXX days, and send me a refund in my escrow in 7-10 days. 

However, on XX/XX/XXXX, I called PHH to check on the status of the issue. I was told that PHH will not adjust my tax estimate until XX/XX/2021. 

My monthly mortgage payment is approximately {$1700.00}. An additional {$1100.00} was due each month for property taxes prior to my 100 % VA XXXX rating. Now that they refuse to honor my exemption, they will be collecting an additional {$10000.00} over the year that I don't owe them. 

Please help! This is predatory and deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX we consented to the XXXX XXXX XXXX XXXX XXXX Direct Install program. A letter was finally emailed to us on XX/XX/XXXX notifying us that the first payment was due back on XX/XX/XXXX and to a company by the name of Concord Servicing Corporation. The letter did not have our correct mailing address. We mailed the XXXX letter with corrections and included a check for {$1100.00} ( six months of payment ) to Concord Servicing Corporation. We received a letter from Concord Servicing Corporation in XX/XX/XXXX for a second loan ( Smart Start Program ). We called the company and asked them what is the status of the first loan ( Direct Install ). Come to find out, XXXX still had not updated their records to the correct mailing address. To date, we called them several times, emailed them, and sent them a certified return letter. They have credited us back {$35.00} in late fees ; however, we found out today that when the first check was received, they applied the payment towards the late fee leaving a balance of {$170.00} ( {$20.00} in late fees ) They should had back dated the credit for the late fees ( {$35.00} ). To this date, Concord Servicing Corporation has never applied the {$170.00} and the Customer Service Representative does not know what happen to the {$170.00} and the company continues to charge us a late fee every month. We have made every monthly payment due by the required due date.

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