vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a Citi customer having a credit card for 20 + years and I have the same phone number for about the same length of time. I opened a new checking account with Citi. I have not been able to access the money a put into my checking account for 10 days now. Their excuses are ranging from me opening the checking account online, not giving me temp checks because it was opened online, I can't take cash out cause it was opened online, can't transfer money to a domestic other bank because my phone number is not registered with them and even though they send me a debit card it is useless because they would not send me the code to access my money. I need this code to set up my own code. I am using the same phone number they have in my records for 20 years! Then I call them on the number they have in a pop up screen when I want to transfer the money but they after I identified myself they said that my phone is not registered with them so they can not give me permission to transfer or access my own money. They did trial deposits into my out of state checking account and they still can not give me a code to do the transfer because my number is not registered. Then the phone clerk goes away and comes back saying do they have my permission to register my phone number and I said yes. Then they come back after put me on hold for 10 minutes saying they can not
do it because it is a land line. I said it is a cell phone. They said they can not give me the code for 14 days!

I am outraged that this bank is allowed to even operate in the US. Not one of the banking associates were American. They are in business of steal the funds of American customers!

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I am a Coinbase user and when they came out with the Coinbase Wallet app, users were encouraged to move their crypto into it. Im am relatively new to the crypto world, just a year in and while Im not a major investor like some, I use my crypto accounts for rainy day money. I also thought that since its a Coinbase product as well, Id be able to move my funds easily between the two and withdraw as needed. However like every other user, once the money is in the wallet, we can not get it out! I moved half of my assets at the time ( having learned since not to move anymore ) and of today I have {$200.00} in there with no way to withdraw it. They claim that miner fees are high and many times the miner fee is more than double the amount trying to convert or withdraw. I cant even transfer the funds back to the home product of Coinbase! Its the same company how is this allowed?? I have researched this to see if other users are experiencing the same issue and we all are. No one is getting answers from the company. Its like they had us transfer funds to their wallet and they get to keep it now. What kind of scam is this? Like many, Im struggling since the pandemic and every XXXX is allotted for bills and such. Watching this money go up and down with the markets with no way to access it is killing me. Please, something has to be done here. Not just for me, for all of the users! They took our money and wont give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I refinance my home mortgage loan with Dovenmuehle Mortgage , Inc . I paid all closing costs ( including a full amount of homeowners insurance policy premium ). The closing documents stated that my monthly mortgage payment was going to be {$2200.00} ( including Principal, Interest, and Escrow ). 

I have been paying the monthly payments on time and in full every month. In XX/XX/XXXX, it was time for my homeowners insurance policy renewal, which Dovenmuehle Mortgage , Inc was in charge of paying since they already hold my full amount paid in advance at closing ( and they have been collecting monthly contribution to escrow to account for the XXXX HOI renewal ). 

I received a letter in the mail from my insurance provider stating that they have not received the payment for renewal and that my policy would be lapsed if they don't receive the payment on by the courtesy extension date. After numerous calls to Dovenmuehle Mortgage, Inc ( worst ) customer service lines, they advise me to pay for the policy renewal out of pocket to avoid lapsing my insurance and that they would reimburse me. I paid it out of pocket, and after a few more months, and many more calls, and explanation of the situation to various customer service agents, and getting my mortgage broker involved, they send me a reimbursement check. 

After that, they adjust my monthly mortgage total payment amount by {$100.00} to adjust for what they claim to be a shortage in my escrow account of a total = {$1200.00} for not having enough funds to cover for my insurance policy renewal. I email, call, ask for supervisors, and explain many times. I got my mortgage broker and his brokerage involved and had them email Dovenmuehle Mortgage, Inc and explain there's not supposed to be any shortage since I paid OUT OF POCKET, AND AT CLOSING, AND HAVE BEEN MAKING ON-TIME PAYMENTS! NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX @ XXXX Employee XXXX XXXX XXXX XXXX ID XXXX ) at a XXXX XXXXXXXX XXXX changed my security question without authorization- fraudulently. This changed allowed for future fraudulent access to my account. 

XXXX phone number XXXX XXXX @ approximately XXXX SIM card was swapped and accessed was gained to other personal accounts and passwords. 

XX/XX/28 @ XXXX Coinbase account was fraudulently accessed and {$170000.00} worth of funds were stolen. 

XXXX XXXX refuses to release information about which store the security change occurred at. 

Coinbase has not responded to concerns about stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been locked out of Equifax for over 4-weeks. I have called and spoken with multiple equifax representatives who have been unable to unlock my account. I have gone through their ridiculous verification process countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information

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 2021-04-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate late payments and a balance on an account that has already been PAID IN FULL I have sent all three credit bureaus the proper documentation that the information is inaccurate but they continue to report the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
i had an account at venmo & they said i needed to give them my social security number. i refused & closed my account. they keep emailing me junk ; i've asked them to stop several times & they've said they've fixed the problem. i've filled complaints with you & others. they've responded, fully admitting they have made errors, but have fixed them. in fact, you recently closed my complaint with venmo after they responded as such & again, said they've fixed the problem. well, guess what? they have not & they continue to email me. this is seriously troubling for such a large financial services firm with millions of customers & massive amounts of peoples ' most sensitive financial and personal information. think about it. if they can't fix a simple problem like this, how rotten must their systems be. i would not be surprised if this loser company had a massive, massive data breach and or other significant problems. please investigate this matter. they obviously can not or will not fix this simple problem. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Requested loan payoff through credit union. The bank incorrectly processed payoff and closing request and reported a missed payment instead. My credit score dropped 74 points on XX/XX/21 as a result of the incorrectly reported missed payment. I opened a dispute and the dispute was found in my favor. The report was corrected but my credit score remained the same. I would like my SCORE to be adjusted to reflect on time payments and that the account was closed in good standing. This is resulting in unnecessary undue hardships on myself and possibly monetary loss as a result of interest rates that are not as favorable due to a low credit score.

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 2021-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
Plainly I was Bold Faced Lied to about the terms and conditions of my loan agreement. The Interest rate first and most important! The amount that would be due each month and received only one phone call stating any concern about falling behind on my payment after calling to explain I'd be starting a new job as I was laid of during the pandemic and lost everything while struggling to eat. Without notice they repossessed my car, leaving me unable to get to the new job, walking 15 miles per day.If the country is pleading with Americans to get back to work then please explain how this helps the economy? Rules and regulations should be enforced when dealing with these companies which are designed to take an honest man 's assets from him and his family. Cutting of their primary means of transportation doesn't help anyone get to work, nor does that help our economy. I've put this situation in XXXX Almighty 's Hands and will leave it there. If their is anyone out there who could help me bring awareness to the hardworking family who may be thinking about getting a title loan, please I beg of you, help! Any way will help. This company Title Max should be shut down and the loans given like the loan given to me should be illegal ... Thanks from a seriously hurt hardworking man. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
First Interstate Bank closed my account without notice because of a zero balance that persisted for 30 days. I was not given a chance to bring the balance up or given any warning at all, I found out when I went to check on my direct deposit that was scheduled to hit on XX/XX/21. I called the support number for First Interstate Bank and was informed my account had been closed on XX/XX/21. Due to this sudden and unwarned closure, I will now face late fees for my cell phone bill and my car insurance. I am also unable to access my pay until my employer is able to issue a paper check, meaning I also can not pay rent or refill vital medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In my credit report is not showing my mortgage loan update ; shows as closed but I am paying my mortgage every month. I called PennyMac and they said that I must call my lawyer ; I called my lawyer and she said that they never return the letter that she sent them saying that mortgage wasnt included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian was to validate the information from my credit bureau report file. XXXX notified me to contact Experian at XXXX, with the following reference number : XXXX. 

I am trying to pass verification with XXXX, which requires Experian to validate my identity. 

The female representative stated that Experian was unable to verify my identity. When I disputed the accuracy of their information and requested an investigation, the female representative disconnected me. The call was presumably recorded, or should have been. 

Experian needs to make a bonafide attempt to verify the accuracy of any information it disseminates to other sources. This reporting of inaccurate information is unacceptable by any standard. Furthermore, their misreporting is preventing me from obtaining proper clearance with XXXX. 

The only acceptable remedy is for Experian to correct their information and validate my identity, which has been a matter of record for the past several decades.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked Experian numerous times to provide how they validated the alleged debt. I have asked Experian to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAN THIS IS REMOVED FROM MY CREDIT REPORT. 

EXPERIAN ARE VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND 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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2021 -XX/XX/2021 For the past 24 hours I cant access to my account ( online, debit card ) for no reasons. 
I dont have money for my daily activities. 
PNC Bank is holding my account and I have to pay my bills which are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX  XXXX  tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX  XXXX  I have been reaching out to both with no help I would like all late payments off my reports

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: FL

Complaint narrative:
I previously filed a complaint about an unauthorized inquiry from XXXX XXXX  and Credco dated XX/XX/XXXX. Their response is as follows : " By way of background, XXXX XXXX  ( XXXX ) acts as a residential mortgage broker. XXXX  originates mortgages and brokers those mortgages primarily to XXXX  as the Lender. XXXX was the lender for the XXXX XXXX XXXX and  XXXX XXXX XXXX loan. Contractually, XXXX also handles many of XXXX  other back office functions, including legal and compliance. Therefore, XXXX will be responding on behalf of all parties. Please be assured, XXXX  and XXXX  take all complaints seriously and appreciates the opportunity to address the consumers concerns. XXXX has previously addressed concerns received from XXXX XXXX and XXXX XXXX under CFPB Complaint ID XXXX and XXXX. As noted in XXXX  prior responses, on or about XX/XX/XXXX, XXXX XXXX and XXXX XXXX attempted to obtain a prequalification through XXXX, but it was clear that their Debt to Income ( DTI ) ratio was too high and their credit scores were too low to obtain either conventional or FHA financing. Nevertheless, XXXX attempted to assist XXXX XXXX and XXXX XXXX to prequalify for a mortgage. XXXX  initially reviewed XXXX XXXX credit profile on XX/XX/XXXX and XXXX XXXX credit profile on XX/XX/XXXX. XXXX  reviewed XXXX XXXX credit profile again on XX/XX/XXXX. The credit pull made on XX/XX/XXXX, had no negative impact on XXXX XXXX credit score as the credit pull was within the 45-day shopping period. XXXX XXXX and XXXX XXXX contacted XXXX  on XX/XX/XXXX, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for XXXX to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized XXXX to review their credit profile, resulting in XXXX pulling a tri-merge credit report that same day. XXXX is unable to remove the credit inquires made on XX/XX/XXXX, as it considered the credit pulls valid pursuant to the authorization provided. XXXX  and XXXX  is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX. For additional questions or concerns, please contact XXXX  at XXXX. '' There are multiple mistakes with this response. First off, this inquiry was obtained WITHOUT my consent. Second, I never contacted XXXX XXXX XXXX and I never authorized any credit pull. Lastly, my fianc did make contact to provide an update on the child support and an update only. At no time was any verbal authorization or any authorization for that matter given to pull a credit report. This is absolutely fraud.

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