vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I won a big settlement lawsuit for my child i opened a CD Block account as order by the judge and the state of California with the highest interest rate. this was in XX/XX/2005. My child was a child as time went by the bank has done some unethical practices that i've ever seen. The bank has misspelled my daugther. and illegally took her the account with the proper notice and judge order. they allowed my ex husband to go and change the address without notifiying me or judge order and he's not even on the account. The bank took off the highest inrested rate as order and the bank failure to notify me or my attorneys and without the judges order. And its been 16 years and my child is XXXX now and i went in to switch the blocked account over to a trust account as order. And the bank said my daugther is my sister and taken off the account without notifying me, or judge order. The account hasn't grown in 16 years the lowest ever interest and i'm so angry

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 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had an auto loan through XXXX XXXX for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the 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 2021-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am a human being, I am a Woman, I am an XXXX American, I am a XXXX Veteran. I applied for a VA Home Loan and was approved with navy federal credit union in XX/XX/XXXX. XXXX XXXX is the loan processor. She failed to keep me inform of my home loan status or return phone calls and emails. When we talked over the phone on XX/XX/XXXX at XXXX She told me that I talk like I am an animal. She stated that she is XXXX  XXXX  so she can not be XXXX. She dehumanized me to justify her mistreatment and devaluing of me. She did not give me info on my loan and told me her boss XXXX XXXX the guy that hung up in my face in XX/XX/XXXX knew about me. I got sick to stomach and my family was upset about how XXXX talked down to me and her XXXX speech and attitude towards me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc.
State: TX

Complaint narrative:
This company is violating the Fair Debt Practice Act by rejecting any and all my mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT claims that I owe a debt to them. They are a collection agency. I asked them in writing to verify the debt with the original documents that prove my involvement with the debt. They have not furnished such information. Given 611 of the FCRA, they have a responsibility to verify any debts they claim to own the rights to. If they can not? They are legally required to cease reporting the debt. They have not. I'm asking that the debt be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.

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 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: NC

Complaint narrative:
Amerifinancial has two collection accounts one for XXXX and one for XXXX. At the time of service I had insurance and contacted them. When my insurance company XXXX  reached out they told them they only saw the XXXX when I disputed with the CB they come back accurate. The XXXX has been removed from my XXXX  but not my XXXX  .. it appears to not be reporting correctly at all. I'd like this information to match across all reports. Per HIPAA and them not being about to provide information anything from them should be removed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My husband and I were facing foreclosure in XXXX after I had lost my job and we got behind on all of our bills. We filed for chapter XXXX bankruptcy in XX/XX/XXXX. The trustee paid the pre-arrearage payments and we were supposed to pay the ongoing payments directly to the lender. Throughout the four plus years or the chapter XXXX repayment plan, we did miss some payments. Also the servicing of the mortgage changed twice. The most recent change took place in XXXX of XXXX when the servicing changed from XXXX to Carrington Mortgage. The loan was also sold to a new owner. Going by the statements that we received from Carrington starting XX/XX/XXXX, showed that we owed {$7000.00} plus in overdue payments. So we paid extra payments to pay that amount off before the bankruptcy was over. According to the statements we believed that we had made enough catch up payments to bring the loan current in XX/XX/XXXX. Then we received a final cure payment from Carrington stated that we owed another {$8000.00} plus in past due payments and fees. Our bankruptcy attorney said that he requested the ledger, but we never got it after two months. So I sent a certified letter requesting the ledger for the period of XX/XX/XXXX to current. I received the ledger from Carrington recently, but it only included information from XX/XX/XXXX to current. I then contacted a VA representative who said that he would try to get the information for me, but I havent got anything other than a loss mitigation packet and now notice of default dated XX/XX/XXXX. How can I determine if payments were not credited if they wont provide me the ledger? They also have not answered my question as to why the amounts past due changed from the XX/XX/XXXX statement to the XX/XX/XXXX statement. The bankruptcy was discharged in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.

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 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I closed out my account with XXXX XXXX for {$250.00} and a couple years later I get a collection notice that I still owe them. They have since sold the debt to Jefferson Capital ( JEFFCAPSYS ) who, no matter how times I dispute it, refuses to take it off. This was so many years ago, I no longer have the receipt, however, the debt was paid, they refused to close my account otherwise. They require your account to be at {$0.00} before they will close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been trying to obtain a full payment transaction history for my car loan at PNC Bank since Monday XX/XX/XXXX. I have an online account, and the full payment history is never displayed. On Monday, XX/XX/XXXX, there were only XXXXwo payment transactions displayed. I called them and notified them that I need the full payment transaction history to send to My GAP Insurance Company for my claim on the total loss of my car, which would pay off the car loan that I owe to PNC Bank. The customer service representative said that she would send my full history by mail. I did not receive it. 
When I looked back online on Monday, XX/XX/XXXX there was a partial payment history for one year on my auto loan. I called again, on Monday, XX/XX/XXXX, and explained to them that I had not received my full payment history by postal mail, and that only a partial history was shown online. Again, the customer representative said that she would send the full payment history by mail. I have not received a full history online or by postal mail as of XX/XX/XXXX. 
I called again on Saturday, XXXX, XXXX, XXXX, and asked them why they would not show my full payment history online or send my full payment history by mail. The representative transferred me, and there was no response afterwards. PNC has never shown a full payment history online for my account, and removes the payments from my account online. 
In addition, my Car Insurance company had to send them a check for the actual cash value of my car twice because they had the check for almost a month, and the check was not cashed. The first check was sent on XX/XX/XXXX. I thought my car insurance company sent it to the wrong address, because the payment had not been posted to my account. I then had my insurance company three-way call PNC Bank to verify that the address was correct. It was correct. I explained to them that they keep calling and emailing me about the payment, but that my insurance company had already sent them the check. PNC had not cashed the check which had been in their possession for almost a month. My insurance Car Insurance company had to stop payment on the check sent XX/XX/XXXX, and reissue another check on XX/XX/XXXX, which was finally posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: KS

Complaint narrative:
Several weeks ago I requested to shop for rates to refinance our house with Better.com. In this process I did not feel I had applied for any loan product but indicated that I was just shopping. I received the rates, which I felt were not competitive and decided to no move forward. Since then I have received several email and text messages pressuring me into moving forward. I have responded to them all telling them I am not interested. The email subject is " A warning about your loan application. '' I do not believe I have applied for a loan. If I did, I have not signed a Good Faith Estimate or been presented with an intend to proceed. Saying a warning about your loan application is very misleading to consumers. I have responded to their email through the provided link, but they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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.

Complaint narrative:
On XX/XX/2021 morning, I initiated to sell XXXX XXXX. I received email notification on XX/XX/2021 XXXX EST that the sell process for XXXX XXXX has started at the rate of {$47000.00} / XXXX. Coinbase fee is supposed to be XXXX and I get XXXX. Per their website, selling to a XXXX destination is supposed to be instant. However it was not the case. Around that time when there was a bitcoin price surge, the Coinbase website was having issues. A lot of people are unable to do transactions and some are seeing their accounts go to XXXX. I was one of those whose balance is showing XXXX. 
When the outage was supposed to be fixed, I still have XXXX balance remaining however I see on the recent transaction history that on XX/XX/2021 XXXX XXXX  EST, I completed a transfer of XXXX XXXX at a price of {$47000.00}. Per the transaction history, it was sent to XXXX with note indicating " XXXX '' and total transaction was supposed to be {$7100.00}. As it was supposed to be instant according to their document I checked my XXXX account but there was nothing. 
I checked my email and there was a cancellation email with time indicating it was delivered at XXXX XXXX  EST. that said : " On XX/XX/2021, you attempted to sell XXXX XXXX for {$7000.00} on Coinbase. However, this transaction was canceled. 
There are a variety of reasons why a transaction might be canceled. Please feel free to try again. '' However I am unable to try again because my balance is showing XXXX. 
I sent email to support and got an automated response for ticket XXXX. 
I sent direct message to coinbasesupport at XXXX but got no response. I sent message to @ coinbasesupport at XXXX but it was not even read. I've checked whole day and account is still XXXX and no response from support. I followed up the next day and got another automated acknowledgement email for ticket XXXX and still no response and still have XXXX balance. Fast forward 2 days later today and I still did not get a response and I am out of my bitcoin balance and still no money in paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
On or around XX/XX/2020, I contacted US Bank in order to close my credit card account with them. I was assured by the phone representative that the account will be closed and the {$60.00} annual fee refunded in FULL. I was expecting the refund of the annual fee to be offset against the charge I have made on XX/XX/XXXX, with the aim of avoiding having to deal with the nuisance of having to a check in the mail and deposit it. 
Unfortunately, contrary to the confirmation by the phone rep, the fee wasn't refunded and the account appears to not even have been closed.

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 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX

Complaint narrative:
We close our refinance for the house located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX with the First American Title ( Tel:XXXX, website : https : //www.firstam.com/rep/achandler/index.html ). The refinance company is XXXX XXXX XXXX Email : XXXX, Phone:XXXX FaxXXXX, Website : XXXX XXXX XXXX. MUD and property tax XXXX should be paid out by First American Title according to the refinance however, as of today XX/XX/XXXX, First American Title hasn't paid XXXX XXXX XXXX Texas ) the XXXX XXXX XXXX  XXXX tax which amounts to {$1200.00} if by XX/XX/XXXX. I and the refinance company XXXX have contacted for many times since XX/XX/XXXX Thursday which is the day I got the reminder notice ( available upon request ) from the County, but they never responded to me telling me what kind of remedy they will take to address the issue. Now my XXXX account is already in delinquency status. If the issue can't be solved in the very quick manner, a lien will be placed on to the property in question by the county and eventually my credit will be hit badly. Final CD and Tax certificate are also available upon demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: GA

Complaint narrative:
First Community Mortgage is the Servicing company for my Mortgage. On XX/XX/XXXX, they without my knowledge or permission dispersed escrow money, in the amount of about {$750.00} dollars to an unauthorized person. This act not only puts my escrow money in jeopardy, in that the insurance payment for the authorized agency is not available. But what also concerns me, is this a security breach in their procedures of save keeping of my money. I want to insure that this NEVER happens again. 

Location : First Community Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: MECHANICS BANK
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. MECHANICS BANK, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX my bill for account AMERICAN EXPRESS Opened XXXX. XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I sent a check to NetCredit. I wrote out {$6000.00} but the numerical was for {$6900.00}. It was put in XXXX XXXX lockbox. It was deposited into XXXX XXXX and they discovered and corrected the error XX/XX/20. They put it in NetCredits account. NetCredit has XXXX XXXX. Before I knew this I continued to call NetCredit because the check had cleared. Around XX/XX/20 it was discovered that XXXX XXXX had gotten the check. NetCredit still wanted to be paid. They drafted my checking account in payments to equal the {$6000.00}. I have been provided proof by XXXX XXXX that they transferred the money to NetCredit on XX/XX/20. NetCredit will not answer my calls or emails. They continue to neither confirm or deny that I will be refunded. This has been going on since XXXX XXXX when I told them what XXXX XXXX was telling me. XXXX XXXX then provided me with proof of the transaction and I emailed that to NetCredit. Still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate XXXX XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to Bill and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the CPS peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XXXX 2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay

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