vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
I purchased a product online from a company that was on XXXX. I paid {$49.00} on XX/XX/2020 I never received the merchandise. XXXX XXXX XXXX is a fraudulent company and have defrauded all customers who never received their product. I called my bank and filed a dispute however my bank is saying they are waiting to hear from the merchant. The merchant is a fraud. I want my money returned from my bank. I purchased using Master Card debit card. My bank is Bank Mobile Vibe aka XXXX XXXX aka Customers Bank.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
This was removed off of my credit report due to my identity theft and magically reappeared recently after it was proven there were fraudulent charges on my account with no resolution. My account was locked with XXXX  so my identity would have to be shown or proven and there were 4 fraudulent XXXX  added to my account and my account was changed without my permission in any way and they didnt do anything about it so I switched providers! How did it verify it was deleted off my credit report and now its there again?

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 2020-06-19 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: PA

Complaint narrative:
This company refuses to remove fraudulent information on my credit report I submitted my identity reports XXXX  XXXX XXXX removed the fraudulent charges except for Experian seems to have a problem with removing the information off my credit report I will also send over proof that the other two Credit bureaus remove those fraudulent accounts except for Experian.z

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Kraken site hacked and funds stolen with no recourse or support. 

On XX/XX/XXXX, I received an email from Kraken ( Crypto Exchange ) that someone was requesting to change my password. I hadnt logged in in months so I contacted them to say this wasnt me and over the next 3 weeks I had to send photos and other information proving who I was to regain access. On XX/XX/XXXX I was informed by Kraken Support that my account was now unlocked but trading and funding was still locked out until I deleted any withdrawal addresses I didn't recognize. 

Upon completing all the direction, I found that the address they asked me to delete was the address that all my crypto had been sent to which I had still not been informed of at that point. When I asked about my funds before then, I was repeatedly told my account would be locked until i deleted all the addresses I didnt recognize, now I realise I was being asked to delete evidence. I took screenshots before deleting and will attach to this report. Once this was complete the Kraken support staff said they could not do anything further and there was nothing that could be done by anyone to find the money. I asked them to send me the I.P. login info and that took another month for Kraken to final provide. It turns out 4 withdrawal were completed on my Kraken account in 2 mins so it was clearly the target. 

If there is nothing that can be done fine, but Kraken were hacked not me and then were very difficult afterwards, so I want at minimum this posted for others to be warned. The staff avoid responding, I dealt with several ppl throughout the process as the cases would just get marked as solved on their end just by them sending a response to my question. I hadnt checked it in months but I dont think I had a lot of money in there but others do and should be careful of Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There was no indication on credit report that this debt existed. There was no letter from collector or original lender to suggest this debt existed. 
15 years after the last payment was garnished from paycheck and the amount climbed in interest charges. 
Balance paid with slightly reduced settlement but still exceeded the interest charges. THERE WAS NO COMMUNICATION FROM THE LENDER

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 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
my current mortgage for the last 10+ years has the interest rate of staggering 5.25 %. I have always been a responsible borrower and made all payments on time. But because of the recent COVID-19 Pandemic, i am financially impacted and its taking a big toll on my budget. I reviewed my financial statement and realized if i can get my interest rate lowered, I can try and bypass these tough financial times to avoid getting into deep XXXX. After calling several times and then finally on XX/XX/2020, In a written request to Arvest central mortgage bank, i requested mortgage relief by lowering my mortgage interest rate so I can continue to make my monthly mortgage payments.XXXX  XXXX then from the financing department contacted me advising me refinancing and offered me pay miserably over {$5000.00} in re-financing cost in order to reduce my monthly interest payment. I then realized they are trying to take advantage of my current misery unfortunately created by this deadly COVID-19 pandemic. and now I am starting this complaint process in the hope, I can get mortgage relief assistance because effort/feedback from Arvest Central mortgage bank has been ZERO with no signs of any help or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Trying to log on to XXXX to fund my stock market account, and PNC refuses to let my account transfer money every single time. If you try to use a PNC bank account with any app that uses 'XXXX  ', it will not work at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Attempted to transfer funds totaling {$350.00} on XXXX from my personal XXXX account ( via PNC checking analysis account ) to an external XXXX account belonging to a friend and was blocked from doing so by an error stating that PNC has made a change which prevents me from being able to link my accounts. I use this XXXX service frequently and need its use restored. 
PNC and XXXX recommended I file a complaint with the CFPB in order to have service restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Prosper Marketplace, Inc.
State: MN

Complaint narrative:
I applied for a personal loan that I was preapproved for XXXX $ at Prosper Funding. I emailed all the documents requests to varify my income and on my last conversations XX/XX/XXXX I was told I needed to fax one last document and my loan would be approved. After I emailed the last document the loan officer changed his mind and decided not to approve the loan after telling me it will be approved. I called on XX/XX/XXXX asking why it was approved and the loan officer said they decided to lower my income and not approve the loan now even after telling me it was gauranteed to be approved. I requested the hard inquiry be removed from by XXXX 's since I was lied to and the rep refused. I was on hold for a long time for a manager so i had to hang up. I emailed customer support at Prosper on XX/XX/XXXX to remove the hard inquiry on my XXXX 's will no response to date.

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 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
In late 2012 Hyundai Finance let myself and my girl friend get a brand new XXXX XXXX from them. I was the primary she was the cosigner. She had bad created and needed help. So the plan was for her to make the payments I was just there to help her get the vehicle. We broke up and she got behind on the payments. I contacted Hyundai to help me locate the vehicle due to her moving to Louisiana. They would not help but continue to has me for payments. I told Hyundai I could not afford to pay the vehicle and wanted it voluntarily repossessed. After that it would go to auction and then I could try to pay off the debt and take my ex to court for the debt. Hyundai refused to collect the vehicle. Instead they called me daily for payments.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : PORTFOLIO RECOVERY # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had tried to order smeakers off of a XXXX page who i was later informed is a scammer pretending to be someone else. i tried to contact XXXX XXXX but they directed me to my bank, ( chase ) and they will not give me my money back. the original owner of the page that is suing him for defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I purchased a loan sold to Specialized Loan Servives. For over a year they have had difficulty providing loan information thru their web portal. At times their reps can't see imformation on a loan. What's worse, they never call back. Their system of customer service is failing when customers can't get basic information on their loans.

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 2020-06-19 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: CA

Complaint narrative:
Second dispute with Transunion Current File File Number XXXX Report DateXX/XX/2020 Name : XXXX XXXX XXXX . Received an email today from Trans Union. Dear XXXX, We have completed our investigation of information contained in your TransUnion credit report. You may now view the results online by logging into your account at : https : //dispute.transunion.com You have until XX/XX/XXXX to view the results online. Please log on before your account expires. 
TransUnion is committed to helping consumers make the most of their credit. If you have any additional questions or concerns, please contact TransUnion at the address below. When contacting our office, please provide your current file number XXXX. TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX Thank you. TransUnion Consumer Relations They are still reporting inaccurate information for my XXXX XXXX XXXX. This was paid off in full last month in XX/XX/XXXX. The balance is from XX/XX/XXXX. I am getting ready to file a third complaint with Trans Union and 2nd one with you. see attachments. Please please help me.

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 2020-06-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I booked my hotel via CitI XXXX ( which Citi outsources to XXXX XXXX ) and sought to cancel as COVID-19 was breaking out. I first called on XX/XX/XXXX and was advised to call back closer to my travel date ( XX/XX/XXXX ). I next called on XX/XX/XXXX, and after 3 hours on hold, was told the hotel had closed for the day, but that a case has been created for XXXX to contact the hotel and to expect a refund in 2 weeks. I called again on XX/XX/XXXX to confirm and after another 3 hours ( understandably ) on hold, I was told by an agent ( XXXX XXXX ) that XXXX had connected with the hotel and to expect the refund in 2 weeks. 

Another month passed and I had not seen a credit to my account, so I disputed the {$580.00} charge with Citi on XX/XX/XXXX. On XX/XX/XXXX, Citi informed me that they had resolved the dispute in favor of the ( Citi-affiliated ) merchant. 
I vehemently disagree with the resolution, as I had : 1. Paid for a service using Citi 's affiliate as an intermediary 2. The merchant did not remit the payment to the hotel 3. The merchant had confirmed that the reservation was cancelled before the check-in date 4. The merchant promised multiple times to refund me 5. Received no detail explanation, as of XX/XX/XXXX, on why the resolution was in the merchants favor, despite Citis Resolution Center promising so. 

I believe Citi conspired with their affiliate XXXX XXXX to deny me of a refund to keep their affiliate afloat, despite none of the services I paid for being rendered.

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 2020-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP
State: WI

Complaint narrative:
I would like to report a complaint against US Bank XXXX for failure to pay me the excess amount I had paid almost three months ago at the maturity of my auto lease. See attached letter

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 2020-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I refinanced my first mortgage and HELOC loan with Bank of America on XX/XX/20. 

At closing, Bank of America was supposed to pay off both my first mortgage and HELOC loan with proceeds from a new mortgage loan. Per the latest closing statement I received, the amount which was supposed to be applied to the HELOC was {$44000.00}. 

The HELOC loan was not paid off. I was not notified of this and later discovered it on my own. The reason I later received from Bank of America for why the HELOC was not paid off was that the funds on earmarked for payoff of the HELOC loan on the refinance closing statement did not match the final balance of the HELOC. This is due to Bank of America 's failure to update the closing statement for recent activity on the HELOC. The HELOC balance was inaccurate for at least 6 days prior to close as best as I can tell from my HELOC monthly statements. At the time of close, I verbally notified Bank of America of the discrepancy and was told that whatever the updated balance was would be paid off and the cash at closing due to borrower would be adjusted accordingly. Regardless of whether the balances matched exactly, the funds earmarked for payoff of the HELOC loan should have been applied to the HELOC loan as shown on the mortgage closing statement. The discrepancy was a small amount relative to the loan balance. 

At present on XX/XX/20, I can not get a straight answer from Bank of America about where my {$44000.00} is. I am told it will get wired back to the title company but can not get an answer on when. I am told that the department that handles wires is 'backed up '. When I try to call Bank of America to get more information I am repeatedly transferred to numerous different departments at Bank of America, waiting on hold for 20+ minutes each time only to be told by each department that I need to speak with a different department. I have emailed the loan originator, XXXX XXXX NMLS ID : XXXX, on XX/XX/20 about the issue and at present I still do not know when my funds will be returned. At present I am being charged interest on my HELOC loan. I am paying interest on a loan balance which should have been paid off one month ago and which I have no ability to pay off because the funds which should have been used to pay off the HELOC are being held by Bank of America.

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, I applied and was approved for a Wells Fargo card for my XXXX XXXX XXXX, XXXX for a credit card with a {$30000.00} credit limit. Wells Fargo offered more, but that's all the credit I felt I needed. Wells Fargo asked for a personal guarantee which was to be faxed to a number they provided. I faxed this signed personal guarantee. 

Shortly thereafter I received letters, calls and emails requesting the personal guarantee. In response to this I faxed the personal guarantee two more times. 

I also tried calling Wells Fargo, and it was impossible to get through to anyone, sometimes waiting on hold for more than 1 hour. 

Finally, I tried sending an email about this through their online system, and I received back a message not addressing my inquiry, but apologizing for long hold times on the phone, and that I should again try to reach them by phone. I wrote back complaining that they did not address my question. 

Shortly thereafter I received a letter saying that I was not approved for the card based on negative information on my credit report. 

This was a colossal waste of time, and I'm upset that I applied and was approved for a card and provided the personal guarantee as they requested but then did not get the card. It seems that once I complained about their service they decided they would not offer the card.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Case XXXX Bank of America continues to harass me and ignore my complaints filed with the XXXX, Federal Reserve, Consumer Financial Protection Bureau. All these places have failed to do anything about the continued harassment from Bank of America, so I am now seeking legal aid to take you all to court.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC blocks me from using XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX asking Credit Control LLC who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.

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