vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
In late XXXX my husband and I started researching for the best bank to apply for a HELOC as we are building onto our property and construction would soon be starting. I contacted several banks so I could make an informed decision as to what bank would be our best fit. We decided to move forward with PNC and apply online on XX/XX/XXXX, this was after I spoke with a PNC representative ( XX/XX/XXXX) who provided me their current loan term information which included information surrounding loan to value ( LTV ) percentages. On XX/XX/XXXX the representative clearly advised and confirmed that their HELOC product would go up to 89.9 % LTV during our conversation.This information was why we decided to continue the process with PNC, as all other banks I researched and spoke with only offered up to 84.9 % LTV, and this was the flexibility we were looking for. Fast forward almost a month later when we received our approval letter. The counteroffer approval came much lower than what we were expecting. I phoned PNC and they advised the loan could only go up to 84.9 % LTV. I requested to speak to a supervisor and I did have one call me back the following day. She advised they could not honor the 89.9 % LTV originally stated. There was also nothing they could offer even with the misinformation I was provided as the Bank 's LTV procedures were updated in early XXXX. She also said there is no guarantee the call was recorded and if it was recorded there was no way to look up this call if I didn't know the name of the representative. This approach of a bank is very irresponsible if all calls are not recorded on calls that representatives are quoting terms and rates of current products. When assessing the possibility of a UDAAP this certainly his the deceptive element which seems to be a clear bait and switch tactic. The timely process of a HELOC application and the original misinformation is provided to be a material impact on our financial situation which could have all been avoided if the accurate information was originally provided. We now have no choice to go elsewhere due to the length of time this process takes and the potential impact these inquires made to our Credit Bureaus. My husband and I will end up accepting the offer and possibly have to get an additional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
With their letter dt. XXXX XXXX, XXXX ( Sequence Number XXXX ) Bank of America XXXX XXXX TX XXXX informed me that a check issued in my favor by the bank on XX/XX/XXXX amounting to USD XXXX has not been presented for payment. The letter was sent with an incomplete address and was received on XXXX XXXX only. In the letter, I was asked to request the issuance of a replacement check, which I did. I have not heard anything substantial from Bank of America since then. I have written letters and I have had multiple phone conversations. I was able to find out that the matter was related to a payment to my credit card account. I was told that a case has been opened under ticket # XXXX XXXX XXXX and that it would take approx. 6-8 weeks to issue a replacement check. 

I do not know which Department of Bank of America is in charge. The only written document I have is the letter of Bank of America XXXX XXXX. 

I find it unacceptable that Bank of America has taken 6 years to inform me that a check had not been presented for payment and that another 6 months have now lapsed without any progress.

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 2020-06-05 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:
Companies refuse to remove account that was opened before I turned XXXX. This account is has not legal standing on my credit report as I was well below XXXX when the XXXX account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: DISCOVER BANK
State: NY

Complaint narrative:
I have a month to month membership with XXXX XXXX XXXX. XX/XX/XXXX, we faced a global pandemic of COVID19. There was a national lock down, especially in XXXX. I reached out to XXXX several times via the phone, to no avail. I went to the website to cancel my services, but was not successful. I emailed them on their site forum. I didnt have a direct email address. After several attempts, I received one submission email in return. 

I never received a response from them. They were unlawfully charging members for services to which they were not providing. XX/XX/XXXX, a civil class action lawsuit was filed against them. 

XXXX has failed to provide members with any substantive response to requests of cancellation leaving members effectively dangling in the wind to try to figure out how to protect themselves from being further charged for services not being provided. 

This is when I started my disputed with Discover, I would hope, they would have my back and security at a volatile time, yet Discover is siding with the enemy. 

My contract was month to month starting on XX/XX/XXXX. In the contract it clearly states, they need to adhere to State laws. NYS has been in a lockdown since XX/XX/XXXX. I tried to cancel my membership online in their portal, unsuccessfully. I called, I emailed, to no avail. 

One option was to send a certified letter to them. Discover validated the charges and re-billed me because I did not send a certified letter to cancel my membership. How am I send a certified letter when were in a lockdown? When that option isnt available? Not only that, sending a certified letter is one option, not the only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: FL

Complaint narrative:
After disputing my adverse information that was falsely reported, XXXX rectified the issue on their end. Trans Union has up until this point refused to rectify the issue on their end. Now that the finally acknowledge their errors, on XX/XX/2020, Trans Union went ahead and removed the account from my credit file entirely. Now they are stating that this is why my credit score hasn't gone back to where it was prior to XXXX falsely reporting that I was 30 days late. I contacted XXXX, which confirmed that they didn't remove their file from my credit report. They actually reported to Trans Union on XX/XX/2020, that there are no issues with my account, and there has never been any issues with my account. I've contacted Trans Union, which refuses to provide me with any type of proof that it was XXXX deleted the account. When connected with a supervisor, his exact response as to why he wouldn't provide the information to me was " I don't have to. '' The document I am providing proves XXXX is reporting the account as current.

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 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX tried linking my pnc checking account to XXXX to invest. XXXX says pnc made a change preventing me from linking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Paypal Inc has a Seller protection program to protect individuals from chargebacks relating to payments received. They have times when transaction go back and forth between showing " Eligible '' for the protection, then a moment later shows " Not eligible ''. This complaint relates to Transaction ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays has been charging excessive late fees to consumers. I had a payment of {$29.00} due on XX/XX/2020, however, a late fee of {$29.00} was charged on XX/XX/2020. Even though, the previous month I had overpaid my credit card bill in the amount of {$100.00}, which theoretically should've covered me for 3 months. This has inflated my balance and caused negative reports on my credit report.

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 monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
In XXXX of 2020 I noticed a collections in the amount of {$760.00} with Allied Collection Services , Inc being reported to XXXX  and XXXX credit reporting agencies that significantly dropped my credit scores. On XXXX XX/XX/2020 I wrote a letter to Allied Collection Services , Inc and sent it via USPS with request for signature confirmation. The letter was received and signed for om XXXX XX/XX/2020 at XXXX. This letter stated that I wasn't refusing to pay said debt, but was disputing what was being reported and wanted written validation that the debt in fact belonged to within a 30 day time period. It has been 45 days and I haven't received or been provided any correspondence verifying or validating said debt belongs to me. I contacted Allied Collection Services, Inc on XXXX XX/XX/2020 @ XXXX and spoke with a representative with ID # XXXX and asked why I hadn't received any information back from them concerning the letter that they received on XXXX XXXX. The representative stated that he didn't see any letter in my file. He stated that the debt was with XXXX and he could get them on the phone and they could explain when and what the charges were for. I denied and stated I wanted written correspondence verifying or validating said debt belongs to me. I asked to speak with his supervisor and he stated that he was at lunch and that he would have XXXX call me when he returned. I never received a phone call back from the supervisor.

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 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been many issues with Shellpoint mortaging since they purchased my loan, they have constantly been assessing me with a escrow to pay for mortagage insurance which I already have through my homeowner association. I have tried to contact them and have provided my insurance as per my homeowner association and nothing.. Now I am receiving a escrow evaluation that includes a need for an additional $ XXXX. I am pretty much at my end at trying to get them to do right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I would like an advance through XXXX, but I cant link my PNC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a {$10000.00} Credit limit with Citi Costco card. I used the card more than usual this past month to purchase material for a remodel as well as a large doctor bill. Since I was reaching my credit limit, I made 3 payments, one on XX/XX/XXXX ( {$3400.00} ), one on XX/XX/XXXX ( {$1300.00} ) and on XX/XX/XXXX ( {$8800.00} ). I could have waited until my billing due date but instead I thought I was doing a good thing by paying my balance off. Instead they have locked my account out for 12 days as punishment for making multiple payments in one month! I am shocked & dismayed that making multiple payments in one month to pay my balance off is a negative in their minds. I can not use my card until XX/XX/XXXX & it has caused a hardship for me. Additionally even though I have a credit score of XXXX and no outstanding balance on any credit card, they refused to increase my credit line either. They lied & said I have too much balance, I have none!

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 2020-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
My initial complaint is XXXX. 
Bank of America has refused to subordinate its 2nd mortgage on my home until I pay to decrease the loan amount on my new 1st mortgage by {$2200.00}. The loan amount on my pending refinance is {$350000.00} and they are refusing to subordinate unless the loan amount is decreased to {$340000.00}. This information was received from XXXX XXXX at BofA. BofA 's subordination reference number is XXXX. 
- This is a rate and term refinance. My wife and I are lowing the interest rate and shortening the term of our mortgage. We did not increase the monthly payment amount nor did we take out any money from the equity of our home. 
- The appraised value of our home as of XX/XX/XXXX, when a full residential appraisal was completed, is {$600000.00}. So when you add the new 1st mortgage of {$350000.00} and the existing 2nd of  {$80000.00} you get {$430000.00} which is a 70 % loan to value ratio. 
When BofA completed the 2nd mortgage in XXXX the appraisal was {$540000.00}. The outstanding balance on 1st was {$340000.00} and the 2nd was for {$80000.00}. for a total of {$420000.00} which is a 78 % loan to value ratio. So our loan to value ratio decreased by 8 % - Our income increased over the past year. 
- Our credit scores remained the same as they were in XXXX. ( mid XXXX 's ) - Our outstanding debt decreased since XXXX. 
Bank of America has no reason or right to dictate what the loan amount should be on our refinance. BofA has given us no choice but to include the outstanding balance of the second loan in with refinance. This has derailed our financial plans.

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 2020-06-05 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was alerted by Chase about suspicious activity on my credit card account on XX/XX/XXXX, via phone, email, and text message. I immediately confirmed that the transactions were not authorized and my card was canceled, I was told that I was going to be issued a new card and that a fraud investigation would be opened. 

I was notified by Chase on XX/XX/XXXX, that I would be responsible for the charges because they were not found to be fraudulent. The transactions were for {$300.00} and {$240.00} within minutes of each other on XX/XX/XXXX at XXXX # XXXX, which is in XXXX XXXX, Michiganover 100 miles from my house. I have never been to that XXXX, and I have never been to XXXX XXXX. I did not make those purchases. 

I had been previously notified by Chase about potentially fraudulent activity on my account : {$48.00} on XX/XX/XXXX. These purchases were actually made by me, from XXXX. I have attached the email receipt from XXXX as evidence that it was actually me. I do not have any order history with XXXX for the other purchases ; those were not made by me. 

I have been made responsible for {$540.00} worth of purchases that I did not make. This is not fairit 's theft, and I have not been able to get in touch with anyone at Chase to discuss this. I would like my account to be credited for {$540.00}. The letters I received from Chase say that I " received a benefit from the transactions '' ( not sure what this means ) and that my fraud claim was " researched thoroughly. '' I am not sure how this is possible without discussion with me. 

I also notice that this has been reported to credit agencies and that the investigation has been closed. This is disappointing and I would appreciate some more clarity on why Chase thinks : This was actually me who made the purchases when it was Chase who initially flagged the transactions as fraudulent. 

I received a benefit from the transactionwhat does this mean? What benefit? Paying {$540.00} for a purchase I did not make is unfair. 

This claim was " researched thoroughly '' what does this mean? What research did you do? Did you contact XXXX store # XXXX in XXXX XXXX, Michigan to verify the transaction? 

I would appreciate a response and a resolution to this. I have attached communications from Chase about these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I opened an account with Transferwise on XX/XX/2020. 
My intention was to use their services to do an international wire transfer from my account in the United States to my account in XXXX  where I am currently stranded due to Covid-19 travel restrictions. Both accounts are owned by me. I planned to transfer {$2000.00}. 
On XX/XX/XXXX I was notified that the transfer was taking longer than usual. Since I was in urgent need, I attempted to use a different funding method to transfer the funds instead of waiting. 
After this point, my account was suspended. I initiated an appeal process and I was able to supply the company with all documents required to verify my identity. 
On XX/XX/XXXX I was notified that my account would remain closed. As is company policy they were unable to tell me the reason. 
Since transferring money between two accounts that one person owns is a normal use of this kind of service I can not imagine what problem is. If there are signs of identity theft or fraud using my identity, it is something I am unaware of but would like to be made aware of it so I can deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
I have contacted Experian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Please delete these inquires XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I currently have a second mortgage with Specialized Loan Servicing. Due to the virus pandemic I am unable to work. I have attempted to reach out to this company to get assistance with reducing this payment. However, this company has refused. I am requested help with this case.

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