vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for an auto loan on XX/XX/2021. I spoke with the loan originator about potential interest rates. She told me the lowest possible rate for 60 month and 72 month terms. I knew I would likely be in the second credit tier but she could not tell me what my rate would likely be. I did not decide on a term at that time as a wanted to know the rate first. She told me I should get a decision on the application within 24 hours. I was first contacted four days later and was asked to provide a recent paystub. I uploaded my paystub that day. I received an email from the underwriter three days later asking for a second paystub, as they require two paystubs. Their first request did not mention two paystubs. I uploaded my second paystub. I called two days later to check on the status of the application. The employee told me they needed a second paystub. I then uploaded my second paystub again. On the thirteenth day after submitting my application, I received an email saying my application was approved, the funds were disbursed and that I will receive a loan packet in the mail. I was never asked what term I wanted and never told the interest rate nor asked if I wanted to proceed with the loan before receiving the email saying the loan was disbursed. I then called PenFed as I was curious what my interest rate and term was. The PenFed employee was nice but said she didnt have access to the interest rate information. I then asked to speak to a supervisor, hoping they may have access to the underwriter credit tier margins/rates. The employee returned to the phone after a hold and said both supervisors she spoke with said I would have to reapply to find out my interest rate at 60 months. In summation, this whole process has been appalling. A consumer should not have to jump through hoops to find out if a loan is approved. I should have been told my application was pre-approved pending income verification, etc. I should have also been asked what term I wanted and If I wanted to proceed with the loan before it was booked. If PenFed needs to review two paystubs to verify income, they should say that before they receive one paystub. PenFed should not advertise a fast and easy auto loan application process when it can take 13 days to get an application approved. When credit unions get greedy and expand their membership eligibility to anyone just to expedite their growth, it can lead to poor service like this.

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 2021-05-15 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
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
This is in reference to recovering my XXXX XXXX XXXX from BinanceUS ( dba BAM Trading Services ), which is wroth around {$430000.00}!!! It's a very simple recovery process for BinanaceUS support to do, but because BinanceUS support is really really slow, there are a lot of people with the same problem as I and are very desperate right now. I found on XXXX that some people tried opening a complaint through here, so I'm here doing the same, and I hope that if you communicate with them, that they'll move on my support ticket XXXX and recoovery my XXXX XXXX. 

BinanceUS support ticket XXXX On XXXX, I transferred this XXXX XXXX from BinanceUS wallet to another XXXX  exchange XXXX, but forgot to specify MEMO field which would caused it to get deposited into XXXX 's general wallet rather my XXXX wallet. This transaction is visible on the public blockchain : https : XXXX XXXX support was very quick to help me recover it on their side. Basically, the only thing they can do securely is to simply send it back to the original blockchain wallet address, which belongs to BinanceUS. They did it on XXXX, and that transaction is also visible on the public blockchain : https : XXXX XXXX even put the original transaction ID in a memo field to prove to BinanceUS that the funds are mine. 

What this means is that my money is sitting back at BinanceUS, but in a general wallet instead of my personal wallet, now it's just up to BinanceUS to transfer my funds back into my personal wallet. It's a very simple thing to do. BinanceUS appears to have a very understaffed support team. There are a lot of complaints on XXXX and XXXX about this. 

Please contact BAM Trading Services ( BinanceUS ) on my behalf to hopefully push them to recover my funds, I'm getting desperate here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.

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 2021-05-17 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: TX

Complaint narrative:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Federal Student Loans being sold and managed by ex husbands attorney. Sold and bought according to his wishes also a portion of the loans are his. Loans went from XXXX ( an email in which he set up and managed ) then to Navient. XXXX XXXX works for the XXXX. Please investigate. Taking negative legal actions and harassment into work place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, we woke up to our vehicle being gone. We called the police thinking it was stolen. they were able to tell us it was repossessed. We were dumbfounded. Neither my husband or myself were notified by Suncoast Credit Union that our loan account was just {$660.00} dollars past due. No one at Suncoast notified us, although they stated they did. I have no messages in an email, on their app, phone calls, nothing. I wrote a letter, which I've attached, to their corporate office because we were embarrassed, we paid off the amount owed, plus a lot of repossession fees, that day, XX/XX/XXXX. I received a call from Suncoast Credit Union re : my letter. The Suncoast representative pretty much told me they didn't care. I will not have a loan with them going forward. We were less than {$1000.00} past due, they didn't let us know and we have bad credit due to this. Luckily, we were able to trade in and have the loan paid off on XX/XX/XXXX. This has never happened to either of us. They did not contact us and they should have. Especially over {$660.00}. I don't my believe my Credit should have such a low score due to something I didn't know about until it happened. and we paid it right away when we found out. Please consider this dispute, as Suncoast Credit Union really hurt our credit, humiliated us and never contacted us. I truly appreciate it. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Lending Club Corp
State: AZ

Complaint narrative:
On or about XX/XX/2021, The LENDING CLUB reported me as having a LATE payment. I was on a deferred status due to covid-19 and there was a lot of confusion on the terms of this deferred status. I contact LENDING CLUB and inquired about why they reported me as late. I was told by a representative that there should not have been a late payment reported to the credit bureau as ALL MY PREVIOUS PAYMENTS have been on time and reported on time as it should be. This was supposed to have been 'escalated ' and a manager call me back or email me. No one has responded. I reached out to LENDING CLUB again today XX/XX/2021 and a representative said the problem was resolved and they will NOT be removing the error to my credit report. NO ONE REACHED OUT TO ME. I asked for a re-review of this and I am requesting this negative mark be removed IMMEDIATELY FROM MY CREDIT REPORT! This has impacted my life negatively and also any prospect of me securing a loan to move. The CARES act was not followed accordingly by LENDING CLUB and i want an investigation to be opened on my behalf. LENDING CLUB is not following regulatory and compliance guidelines. I am requesting resolution and my credit report to reflect my payments have all been timely. Please remove this negative reporting from my credit immediately. I have paid all payments ON TIME EVEN ALL THE DEFERRED PAYMENTS LENDING CLUB HAS REQUESTED I PAY UPFRONT. I now believe I have been discriminated against as a woman and a woman of XXXX  background. I am also a woman of a small minority owned business and I have been affected by the covid-19 pandemic to which this has cause great physical, emotional and economic suffering to me and my family. LENDING CLUB has violated the law and this needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint in case other Comenity Bank card holders are having the same issue. I called Comenity Bank on XX/XX/21 when I noticed a mysterious {$.00} foreign transaction fee assessed on XX/XX/21 on my credit card statement for my Sony XXXX. Comenity agreed that the fee was strange and agreed to reverse it. They had no other explanation for the fee, so I am concerned that this might be a widespread issue. The charge is not in the purchases section of the statement but listed separately in the fees section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I get 9 calls a day from Comenity Bank. My mother gets 3 to 4 phone calls a day even though she asked them not to call her. I also get phone calls for an XXXX XXXX who i do not know and does not have my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XX/XX/2021 I attempted to make a deposit of {$1400.00} into my Coinbase account from a bank account that I had closed but had forgotten to remove from my account. 

XX/XX/2021 I received notification that my deposit was denied due to lack of funds. I was informed I had 5 business days to fix this before they would liquidate the cryptocurrency positions that I had made with the money the loaned me reclaim it. ( Coinbase " lends '' you the money pending the completion of your ACH deposit, so you don't have to sit around waiting for the cash to arrive, you can dive right in and generate commissions for them. ) Embarrassed, that I chose the wrong bank, I immediately fixed it. Again, I ddi this on at was on XX/XX/2021 There was a link in the email that said " Deposit Funds '', so I made a deposit of equivalent size from an open bank account {$1400.00}. 

Coinbase sent an email to me on XX/XX/2021 telling me that the account recovery was complete and they unfroze my account. 

On XX/XX/XXXX, they sent me another email telling me about the failed deposit on the XXXX and that they were going to take the money from my account. 
This is after I repaid them and they unfroze my account. 

Also on XX/XX/XXXX, they took all of my cryptocurrency from my account.. All of it. 

I understand that they had a right to retrieve funds - but I made a " good '' deposit to cover the " bad '' deposit the next day. Furthermore, somebody made a mistake and they actually admitted it in an email. " oh yeah, i see the deposit from XX/XX/XXXX right here '' They do not answer their customer support number. They do not make outbound calls. They do not respond to emails with anything except copied and pasted responses which do not address your issue. Basically they pull up the drawbridge and ignore the peasants. 

I filed an internal complaint about this with them on XX/XX/2021 and according to their terms and conditions they were supposed to get back to me within 20 business days. They haven't done this. They said my case is still pending. Of course, that is because they have been stealing from a lot of other customers as well. There is a backlog of fraud at coinbase. 

The facts are in my bank accounts and even in my coinbase account it shows that I repaid them the money the same day, and they still stole the money out of my account. 

In their terms and conditions it states that by using their site I waive my right to sue them and have to use binding arbitration. I can only request binding arbitration AFTER they review my complaint with their internal review. They have had my complaint for a month and there is no end in site. There is no idea how long that will take. 

Finally, I am not the only victim of this. The Internet has dozens of similar complaints from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
The pastor who works with kids in bad neighborhoods and sometimes they think my card with Chime theres a free ticket to fun. I have had to replace several cards. Although I have filed my share of disputes legitimate ones Chime has never signed it on my side ever. Their investigation is boilerplate and lacks any sort of substance? I for a long time has battled them and I think and received one temporary credit. Thats neither here nor there whats upsetting is the fact that I filed a dispute Subsequently closed my account for it. Chime guarantees protection under the XXXX symbol and should be sued for the same reason XXXX XXXX XXXX is currently being sued which is touting that XXXX symbol and pretending like theyre a bank only they dont honor the commitment of a bank to protect you 24 seven against fraudulent charges disclosure my account has not gotten in the way of the receipt of the IRS refund my family and I so deserve and I dont think the Chime should be in business anymore and all Ive put nearly {$40000.00} into that bank in the past three months and theyre not very grateful for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Your organization failed me when I was defrauded of {$11000.00} through false cashiers checks, fraudulent job hiring through XXXX and subsequently Chase Bank charged me for the false checks. 

Not sure about the advertisement of protecting consumers. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Good Afternoon, TransUnion has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XX/XX/XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXX/XX/XXXX XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Good Afternoon, XXXX has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XXXX XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXXXX XXXX  XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CT

Complaint narrative:
The Huntington Mortgage company, XXXX XXXX XXXX XXXX XXXX. XXXX Has put lean on my house for the amount of {$140000.00} on XXXX XXXX. 
I have no idea as to why and reason? We have not received any amount of money from them. We have not received any statement or any bill from them what so ever. We tried to refinance our house and find out about this lean.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Bank of America Fraud Department, My soon to be ex, XXXX XXXX, has written 2 cash advance checks and forged my signature. I've been at the bank several times calling to get copies of the checks, and called the fraud department many times. I've been assured that the copies of the checks will be faxed to me within 24hr, emailed to me within 2-4days and mailed to me within 7-10 days. I have received only via fax the last statement of the account which I'm late on, since it is fraud ( you did not approved it ). 
The first check was on XX/XX/XXXX for the amount of {$6000.00}, and the second was on XX/XX/XXXX for the amount of {$9000.00}. 
Please send me the copies of these check ASAP as I have a court date on XX/XX/XXXX and need to show it to the judge. Also please approve the fraud as I DID NOT WRITE THESE CHECKS.

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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I can not locate any instructions on how to add my rental history to my report. I can find no help on how to add a consumer statement to my reprt.

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