vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On Friday, XX/XX/2020. I sent XXXX $ dollars to gemini ( cryptocurrency exchange ) using and ACH bank deposit from XXXX  XXXX XXXX, in which later showed up on my gemini account. 
At around the same time I deposited to gemini, my original bank XXXX XXXX  XXXX XXXX XXXX was in the process of changing my name from XXXX XXXX to XXXX XXXX XXXX. ( I did not mention this to gemini due to reasons I wont be going over now. ) On XX/XX/2020 I have sent an order to withdraw XXXX XXXX from my gemini account only to be penalized by a XXXX $ name miss match fee, and cancel my withdrawal. 
On XX/XX/2020 I emailed gemini to re validate my account, I offered to show my old and new driver license as well as any legal documents to help solve the issue and prove my identity. 
Ever since then I emailed them many times, I also gave them phone calls with voice messages without any replies either. 
My account currently sits idle with my funds in it, without any ability for me to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Asked for me and when I called back they said they were looking for XXXX my name is XXXX. They then demanded I give the last 4 of my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: ID

Complaint narrative:
I have a derogatory report on my credit report from a AmSher for {$1200.00}. The charge was submitted by XXXX XXXX XXXX in XXXX of XXXX. I have contacted AmSher and have started the process to have this charge dismissed. I have never been contacted by either AmSher or XXXX XXXX  about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My husband and I purchased a home in XXXX of 2019. The loan Lakeview Loan Services now XXXX XXXX XXXX assessed the tax on the house off of a vacant lot as opposed to the actual home value when they bought our loan from XXXX XXXX. They contacted us in XXXX begging us to refinance because the interest rates were so low and it would only take 60 days to do a streamline loan. Here we are seven months later and i had to reach out to the CEO of the company because i could not get anyone to respond to me via phone, email or carrier pigeon, ( we got desperate ) you name it. Once i did that, we had 3 people calling us immediately. Further proving they already knew what was going on and did nothing to notify us. They advised that our taxes weren't assessed correctly and we would owe XXXX as opposed to the XXXX they had us sign in the beginning of this process to close on our refinance. Now our loan officer is telling us to go with another company after wasting seven months of our lives during a pandemic because they no longer have great interest rates apparently. I believe they kept us in the dark because they currently had our loan and didn't want to miss out on making money.

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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A request from XXXX XXXX was submitted to NFCU to transfer rollover XXXX monies to XXXX XXXX. NFCU sent the check to the wrong address and put the wrong name on the check. They have not made any attempt to get the monies back and they are just waiting for something to happen. I am out {$12000.00} and have no idea when I can get NFCU to complete the requested transfer to my account at XXXX XXXX to buy a XXXX annuity Can you get them to act on their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America mortgage We have been trying to pay for one month deferral on our mortgage, because we are refinancing with a much better rate and the new mortgage company wants us to pay for the deferral payment before funding. I have contacted BOA and have been on the phone with them for more than 20 hours in a period of 2weeks. They have taken my money that was promised to be posted to deferral payment and posted it against my next month payment. Now they are saying they might not have a way to pay for the deferral until the end of your loan period, They have fill out numerus request form to fix this issue but it has not happened yet. PLEASE HELP XXXX and XXXX these are the escalation numbers.

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 2020-11-20 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: FL

Complaint narrative:
Greetings, I sent a dispute letter to the credit bureaus such as XXXX, Experian and XXXX, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: LA

Complaint narrative:
They have my card locked and they say they cant unlock my card for me to receive my money. Im on the verge of being homeless due to me not being able to pay my bills end Im hungry.

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 2020-11-20 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: GA

Complaint narrative:
Im filing a complaint about Equifax, I have called Equifax and go hung up on or j cant dispute any information on my report I have two inquiries on my report I want to dispute as fraud I dont recognize and they do not belong to me, XXXX and XXXX XXXX XXXX, XXXX XXXX, please remove these inquiries I have filed a FTC identy theft report, i want these removed and block, I have not checked my credit report, I want these inquiries taking off, they are not factual when its fraud and a consumer does not recognize or have not checked there credit report, Equifax has poor customer service, nobody seems to want to help so please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please see complaint ID XXXX submitted on XX/XX/2020. Fifth third bank responded to the complaint but the response did NOT address the Regulation B violation. Their flagrant violation cost us {$3000.00} in additional costs to put on our roof due to their delay. Fifth third was required to make a lending decision within 30 days of receiving a complete loan application. They did not. We want to know why.We want an explanation. Were not looking for them to acknowledge our frustration. We want to know why they violated regulation B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United We Collect, Inc.
State: PA

Complaint narrative:
This situation is puzzling to me because I have never been to any hospital in Florida or anywhere close to Fl on the date of XX/XX/2015. Although I have lived in Florida to take care of my mothers when she had XXXX XXXX but never to any hospital. 

XX/XX/2015 was not in hospital The amount of {$850.00} is not mine because I was not there. 
Also I have reason that the social security you have on file isn't correct with mine, because on Step 4 where it asks for account number or last 4 digits of social. As I enter my last 4 it does not let me proceed which gives me reason to believe that the social you have on file is also incorrect which would make sense because it was never me there at hospital. " Identity Theft ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I C System added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, I C System has violated my rights as a consumer and I am requesting legal action to remove this account immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am trying to get a mortgage for a second home. I currently have a mortgage through Bank of America. I have made all payments on my current mortgage on time and have NEVER been in forbearance. For some reason the bank has reported my current loan in forbearance which is causing a gap in my husband and I getting the mortgage on the second home. We are currently in jeopardy of losing the contract on the house due to Bank of Americas incorrect reporting. I have called several times to get this issue fixed to no avail.

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 2020-11-20 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had an original account with Walmart synchrony bank it went to collections to a company called XXXX XXXX XXXX. I settled the account in full for less then the original amount, however I was told I would owe nothing further after this. XXXX reported my payment back to synchrony bank with a balance of {$210.00} which was the forgiven or pardoned amount in their words. After contacting synchrony bank I was told that the balance will still show as {$210.00} on my credit report and they have no ability to take a payment from me for that remaining balance. They can not report an amount that can not be paid so I want to make sure they clear this balance out to XXXX  I spoke with an agent XXXX with synchrony and she also processed a request to her credit department to make sure that this balance is XXXX. They should not be able to report this remaining balance if it was forgiven and if they will not accept a payment going forward. Thank you.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2020 I accidentally bover paid my credit card with BBVA Compass. Once realized I had over paid I called them. It was before the end of XXXX. Because I had doubled my payment, account was frozen and I had to speak to the fraud department. I was advised the hold would be removed & a check would be sent to me. 

XX/XX/XXXX called again, was advised overage check had not been requested. It would take up to 10 business days for me to receive the check. 

I've called every week since than. I advised BBVA no check. 

So today I was advised that at XXXX EST they would file an escalation for me. I tried to explain to various people, I've received mail today. It will do no good to wait for XXXX. I just my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My Paypal has almost {$78000.00}. Paypal decided to put limitations with my account on XX/XX/2020. And they sent me email says I need to provide the information about two transactions, and I provided the information to them, then they told my my account is frozen for 180 days, after 180 days I may withdraw the money. I logged into my paypal during this period, and the money was still there, but today I tried to login, and the password is changed, I reset my password and logged in my paypal, I see all my money were taken and send directly to paypals own account, and says its for covering the paypal damages, total money were taken in two transactions, one with {$52000.00} one with {$24000.00}. This is a lot of money, I do not have any history of chargebacks with all the transactions, but they told me im violated and money held for 180days and now took everything away! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: FL

Complaint narrative:
Greetings, I sent a dispute letter to the credit bureaus such as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.

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 2020-11-20 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: FL

Complaint narrative:
Greetings, I sent a dispute letter to the credit bureaus such as Equifax, XXXX and XXXX but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Current creditor, First Bank of Puerto Rico, referred the auto loan account to XXXX XXXX XXXX without sending a self-help letter. I received a call this week and I explained this was the first communication directly from the bank since the previous call I received from XXXX a few days ago in which I was harassed. The payoff balance was {$2300.00} approximately due to late fees and interest charges ; all car loan installments were paid. I offered the bank the amount of {$1000.00} during the call and requested a few days to gather the rest of the money but they refused and insisted that I had to pay off at that moment or release the car voluntarily to the bank. On XX/XX/2020, the bank sent a self-hep letter and was received at my address on XX/XX/2020. After receiving that letter, I called the bank and explained again the reason for the outstanding balance and late payments, the bank 's employee stated at that time that she was unable to assist me, that it was correct that the account was assigned to XXXX XXXX XXXX and that if I did not have the money to payoff I had to release the car to the bank. My response was that I was not going to release to the bank a car that has been already paid off and that the remaining balance corresponds to late charges and interests. I advised them that I would not authorize the external adjuster to enter my residence premises. The employee stated that in that case the external adjuster would visit my house and if unable to repossess the auto, would go to the nearest police station and ask for assistance so they could force me to release the car. I responded that is illegal under Puerto Rico 's laws and this was not a criminal case. I explained to her that for the Police to enter my property, they need an order from the court ( also it may include a lien or an attachment ). She replied that was not correct and that she was informing me of the correct procedure and the process performed by the bank in such cases. The methods used by the bank to collect the money owed are unfair especially when I paid {$1000.00} this month and offered to pay the rest of the balance in {$400.00} installments and they refused. This is not the first time this bank handles an auto loan like this, it has happened with other auto loans I had with them.

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 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
Greetings, We were unable to pay a medical bill early on during the pandemic due to job loss. Now that my wife is working again, I attempted to settle the medical bill. This particular bill was turned over to the Cherrington Firm PLLC in XXXX, UT. They were unwilling to work with me on a settlement. In fact, they added an 84 % increase to the original amount in interest, and they are telling me that the interest is added daily. 
I checked with the original bill holder which was through XXXX XXXX. Since they had already turned it over to the debt collector, they were unable to recall the notice. However, they did provide me with a EOB and they mentioned that the original contract does not mention additional fees or interest for late payments. Therefore, the firm is attempting to illegally collect interest on a medical bill which is not accurate. I feel that I am being raked through the coals for something that I just want to take care of and be done with, but they are unreasonable. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: GA

Complaint narrative:
Im filing a complaint about XXXX, I have called XXXX and go hung up on or j cant dispute any information on my report I have two inquiries on my report I want to dispute as fraud I dont recognize and they do not belong to me, XXXX and XXXX XXXX XXXX, XXXX XXXX, please remove these inquiries I have filed a FTC identy theft report, i want these removed and block, I have not checked my credit report, I want these inquiries taking off, they are not factual when its fraud and a consumer does not recognize or have not checked there credit report, XXXX  has poor customer service, nobody seems to want to help so please remove

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 2020-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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