vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc.
State: ID

Complaint narrative:
Superior Loan Servicing is the servicing company for my loan. The lender, XXXX XXXX, was matched with me through my loan officer. The lender hired Superior Loan Servicing to handle my loan. The lender contacts me via text messages, email and phone calls unbearably. He is rude to me, embarrasses me, harasses me, threatens me and is very annoying. I had a fire on my property and my insurance sent the repair money to me and the mortgage company. The lender is micromanaging me and harassing me during the repair process. He threatens me with timelines and I dont know how legal his behavior is, but I know its not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
ERC sent a letter saying I owe XXXX {$3600.00} and that the debt can be settled by paying {$2700.00}. They seem to suggest going to XXXX or XXXX and arranging a cash payment. No specific individual is mentioned in the letter nor am I able to know where the original debt is from. I received no, original statements from either one of these companies. 
I have had no business with XXXX since we began using cable for our phone service our and XXXX for cell phone service and never carried any debt with any one. I feel that I am being scammed and want to end this harassment right away. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7 MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********

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 2021-04-07 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: TX

Complaint narrative:
HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7  MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********

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 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX - Received a short ring then an immediate voicemail from XXXX ( XXXX XXXX XXXX. 
The voicemail made a mention of a debt collection so i immediately attempted to call back and find out what occurred. I believe the company identified theirselves as XXXX. I called and said i was seeking to find out what is going on, and was immediately directed to provided my social security number. I refused since i had not been given any information about the debt, nor had any idea who or what i could possibly owe for since we pay all of our debts. The person on the phone refused to provide information and said she needed my information to tell me about the debt, i said that's ok, but i am not going to give any of my personal information without more context. I did confirm who i was by name, and they lady as an alternative said i could confirm my month and year of birth, which i agreed to do. From that point the person on the phone was HIGHLY confrontational, and disrespectful. She went on to say i owed XXXX to XXXX XXXX  XXXX  from XX/XX/XXXX, and wanted my card information. I told the person that i've lived in the state of Georgia since XXXX, and had not been to nor been seen by anyone with XXXX XXXX, nor has any of my family. She said that they could not provide me anymore information and since i declared that the bill wasn't me, and she demanded that i provide her a fax with a written complaint. I explained again that i am not going to give anyone anything without information about the bill. The person continued to be rude and hung up on me. I then followed up with XXXX XXXX XXXX XXXXXXXX XXXX to attempt and identify if this was a legitimate store. I talked to two people associated to the healthcare service, and neither person could identify an outstanding bill or any balance owed. I'd like assistance from CFPB in resolving this matter, or identifying fraudulent activity.

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 2021-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
Received the first phone calls today from the third party collection agency for Balance Credit. Called twice in a row and left XXXX voice messages. Stated they had more than one number for me, which is incorrect. Then they proceed to immediately contact my family. They didnt not wait or give me a chance to respond prior to leaving messages on my system. Voicemail sounds threatening and asked to validate address and work address. They are harassing and abusive when dealing with people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/21 Mrs. XXXX XXXX called my personal phone and stated that she will no longer accept large deposits. However, when I asked her to send me what she stated in writing and to show me where in the policy is that it says that I can only deposit money a certain way or withdraw it a certain way she has yet to provide me with anything in writing. I personally feel targeted and discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I requested to withdraw {$120.00} via ACH to my bank account after the Binance fees {$100.00} was supposed to be deposited by ach on XX/XX/XXXX I received a email saying that my request was successful and that it takes 3 to 7 business days to arrive depending on my bank, its been 2 weeks and I still dont have my money Ive submitted support tickets and get no reply, Ive sent the CEO a email, Ive tried to contact Binance.us on all social platforms and gotten no replys, they are not accredited but I still filled a complaint with XXXX  regarding the problem, this is Ridiculous that Im having to go through all these hassles to get my money that I paid a heavy fee to get, crypto is super popular right now if this happened to me I can only imagine how many other people may be experiencing the same problems with me, Consumer finance Im begging yall to help me get my money I feel robbed by Binance.US sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MO

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX, administrator and holder in due course for surname given XXXX XXXX XXXX XXXX have contacted EQUIFAX about the removal of following accounts and inquiries that is reporting on XXXX XXXX XXXX XXXX consumer credit report. Pursuant to 15 USC 1681 XXXX a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is in direct violation of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received a payment from unemployment and paypal limited my account then had me provide documents to prove I am who I am. I provided the requested documents then went back to check and it said all my documents were wrong. I get on the phone call them they say activity on my account is suspicious and then permanently blocked my account stating they want to make sure I can cover chargebacks or customer complaints ( which have the same XXXX  day limit ) I told them numerous times there is no customers that I use my account for personal to receive money from 1 person and to get government payments and money from my job deposited that's it I've never sold a single thing on that account therefore it is impossible to get a chargebacks or complaints from customers. I also looked where it shows complaints and cases against me and there is 0

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX issues with Navy Federal Credit Union : 1. I applied for a used vehicle loan for a motorcycle. I was told that within 30 days, the same credit report could be used for a used vehicle loan for a car instead. I am not being told that they can pull a new credit report although unlikely, and I have to agree to let them pull a new one. I can not see if they will use the old one first. They are forcing me to authorize another hard credit check when it will not be needed. 

2. I asked for a copy of the report used to determine my credit score with Navy Federal CU. They are refusing to provide me the report and instead are telling me to contact XXXX  for a report. I am asking for their report to determine if there are items on that report that are in conflict with XXXX, as XXXX XXXX score is significantly higher than NFCU 's score. 

These conversations are recording and verified recording by the manager I spoke with at XXXX on XXXX XX/XX/2021 I have been a member of this bank for XXXX  years and I have never been treated so poorly and coldly in my life. I am seriously debating terminating my business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XXXX I was checking my TD Bank accounts and notice that my student checking and saving was in negative and when I looked into the accounts there were multiple fraudulent transactions occurring withdrawals, Debit Card purchase in person and online in the account starting from XX/XX/XXXX. It immediate contacted TD Bank customer service online. He instructed and created 3 fraud claims ; 1 for withdrawal from saving, 1 for checking and 1 for purchases. My Mother and I who are joint on the account followed up with the local branch on XXXX XXXX and additional claims were done again. We were informed that is Identification was comprised and they fraudster also had access and control of his online banking. TD bank instructed to get a Police report and also enroll into to identitytheft.gov which he did. My Son lost his bankcard and he was not aware. The fraudster depleted the accounts in 2 days and TD Bank fraud department never once try to contact us about this rapid transaction happening in the account which was uncommon and it was in a different state. We have filed multiple claims with TD Bank and they continue to deny them. To this date, TD Bank has only refunded {$820.00} of the aprox. {$4500.00} dollars that was stolen from the account. I have made many trips to the local branch with no solutions. The matter was escalated to the Reginal Manager and he has yet to contact us. I was instructed by XXXX XXXX branch Manager to write a formal complaint via letter and send directly to the Reginal Manager which was done and hand delivered to the Main Branch in XXXX with no reply. These 2 accounts were frauded out and TD Bank refuse to refund our money. My mother has been a value customer of TD Bank since taking over XXXX XXXX XXXX XXXX and currently has 8 active personal and business account along with my passbook. This is the second time my account was frauded out and TD Bank continues to deny claim even when it is blatant fraud. I would like TD Bank to refund my money. TD Bank security protection failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hello Im reaching out and need your help with Coinbase. They are literally stealing money from people. Let me share an example of what happens to me which most likely is impacting other. 

I attempted to transfer funds into my XXXX wallet at Coinbase on XX/XX/2021. However I erroneously transferred the funds into a XXXX cash wallet instead. I attempted for a full month to get a hold of someone at coin base to help me reverse the transaction. The only option was to submit a ticket online. After not hearing from anyone I reach out to the executive members via linked in. I finally received a response via email. 

The response was too bad theres nothing they can do and the funds are now loss. I was able to speak with the initial sender who share that they can see the funds sittting in block chain however since the funds are already sent theres nothing they can do. Coinbase does have the authority and capabilities to reverse the transaction. It was {$3500.00} dollars that they are claiming I should forget about and move on and making a decision to not help. Thats a significant amount 2x the amount of current stimulus. This error is a common error that happens frequently however coin base is profiting from this by stealing people money when it happens. Regulations need to be put in place to monitor these digital currency and companies like coin base. I refuse to lose {$3500.00} over something that can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CT

Complaint narrative:
I applied for a mortgage loan refinance on XX/XX/XXXX with Intercontinental Capital Group ( https : //intercontinentalcapital.com ) after receiving an offer from XXXX XXXX XXXX Mortgage Loan Officer NMLS : XXXX. I quickly submitted all the requested forms and documents. On XX/XX/XXXX I was contacted via email by XXXXXX/XX/XXXX, Submission Processor at Intercontinental Capital Group NMLS : XXXX, and additional information was requested. I submitted all requested information the same day, uploading it via the lender 's secure portal. Then the delays began. I would regularly email XXXX asking for updates. She would be slow to respond, usually waiting several days, and then kept asking for information pertaining to my employer ( a multispecialty medical group where I am a partner ) so I directed her to communicate directly with my group 's executive director. Despite the executive director verifying my employment and my income, XXXX kept avoiding giving me a closing date. She eventually said the closing date would be XX/XX/XXXX, but nothing happened on this date. I was able to reach her by phone after this date and she said that the application was held up in the underwriting process due to lack of income verification, which I had submitted multiple times already. On XX/XX/XXXXI emailed and called her again, and my email was returned as blocked and my phone calls are now being unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. 
The reason PayPal claimed is that in a transaction I ( the seller ID @XX/XX/XXXX ) had with another user ( the buyer ), was not authorized by the buyer ( he was hacked according to PayPal XXXX, then the fund I received was put on hold and then released to the buyer. 
The transaction was for a Bitcoin sale ( two transactions, BTC XXXX and BTC XXXX correspondingly, around USDXXXX value ) through a P2P trade utilizing the exchange called XXXX, all the evidences of the legitimacy of the transaction was delivered to PayPal . 
PayPal gave me no proof that the buyer 's account was in fact hacked. Even if the hacking was true, I am fully innocent in this case and I lost my fund, I delivered proofs that my transaction was legitimate, and even though PayPal have taken my cash balance received in PayPal account. 
PayPal said this is the final judge about this case, but I searched and found that I could file a report on here as I feel they are far from doing their job in a fair manner, properly and it is effecting me a great deal as I used PayPal quite frequently and I depend on my funds. My email linked to my PayPal is XXXX and PayPal account is @ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have asked Experian credit to stop contacting me regarding an unauthorized attachment to my email address to someone else 's account. They still continue to email my daily business even after multiple attempts to have it stopped

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX TD Retail Card Services reported on my credit that I was 30 days late. The account was paid and closed as of XX/XX/XXXX. This account has been reporting incorrectly and needs to be removed..I have provided all credit reporting agencies with documentation and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
To set up bi-weekly payments on the mortgage, the mortgage servicer charges a {$2.00} fee each time a payment is made - so each month you are charged a {$5.00} a month fee, and on months when three payments were made, you are being charged a {$7.00} fee. This seems like a UDAAP and possible Fair Lending Violation as I am being charged a fee to " pre-pay '' my loan with bi-weekly payments. When another servicer serviced this loan, there was no fee for this service. My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a monthly payment. While I understand there would be a fee if you called in to make the payment on the phone, this is not a convivence fee as you have to agree to auto drafts as per the agreement to set up the bi-weekly payments. 


I have launched a formal complaint with Mr. Cooperover the phoneand the case identification number is XXXX. I have also opened a case with the NC Commissioner of Banks ; the complaint number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021, we sent a {$2500.00} money wire to a fraudulent business. We kept the company thinking we would wire more money so they would keep the account active while we contacted Chase bank on XX/XX/2021, to report the fraud and request the wire be refunded. On XX/XX/XXXX, 5 full days later, they asked for " additional details '' which we gave, including attachments with information and proof of the scam. The next day we received a " reply '' which said literally nothing. Blank. I replied questioning where the message was for its inquiry and received a reply TWO DAYS LATER asking for the exact same information provided a WEEK prior. I repeated the information, all while keeping the scammers ' bank account open and ready for a payment we were supposed to be paying them. Same bank account, same phone number- SAME. Three days later on XX/XX/XXXX, we get a response saying they have just now opened a case on our issue. ELEVEN days later. Two days later on XX/XX/XXXX, we are told that the bank account that received the funds has been closed and the phone number is suspended. TWO WEEKS. We did everything to be able to get our money refunded and Chase took too long to get our complaint moving while the scammers ' account was open.

Company response to consumer: Closed with explanation