vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On about XX/XX/XXXX, we were solicited by Lakeview Loan Servicing , LLC for a refinance of our mortgage. Lakeview is the loan servicing company for XXXX which held our existing mortgage. XXXX had us spend countless hours providing them with information and documentation. They had us pay for an appraisal that cost us {$740.00} and after more than 5 months they ultimately denied our application based on vague and ambiguous reasons, e.g. " Too Many Inquiries ''. They allowed one loan lock period to expire without any communication. When we inquired about the status they asked for more information and extended the loan lock period to XX/XX/XXXX. During this time our financial activities were put on hold while we waited for their decision. They could have and should have made their decision prior to us spending all that time and money on their refinance process.

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX  checking account and {$20000.00} into my XXXX savings account from my current bank, Santander. It left my Santander account on XX/XX/2021. I received the funds in my XXXX  account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX  account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX  savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my Santander account. I went back to XXXX XXXX on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call Santander and Santander said they hadnt received any funds from XXXX. Then XXXX said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX  branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with Santander bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX checking account and {$20000.00} into my XXXX savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my XXXX account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX  reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to XXXX bank on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from XXXX. Then XXXX said they would have to call Fiserv, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX branch and was told that someone at Fiserv was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells fargo took back a merchant credit and closed my claim due to " Reversal of Excess Credit Due to Merchant Credit Claim '' but never once contacted me regarding this. The supposed " merchant credit '' was a refund from a separate purchased on a completely different debit card. I've contacted them every day for the last 2 months and have never received a call back or been able to speak to any agent that could help. 

I've also contacted corporate and filed at least 3 complaints and still have not been able to speak to anybody who can help. 

Dispute date : XX/XX/20 Dispute amount : XXXX Actions taken by company : They never ONCE called me to ask for more info or anything telling me they didn't need info. I provided all receipts for returns of the items emails and even tracking # s to prove that I did in fact return the merchandise and was not credited. Its despicable that I haven't been able to get an agent on the phone who could help for well over 2 months and at this point i'm at a loss for what to do.

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 2021-02-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello! While analyzing my credit report, I noticed fraudulent accounts on my credit report. I got in touch with my cousin, who is an attorney and is familiar with credit law. So I filed an Identity theft Report. Please help me in this situation because I am in the process of purchasing my first lease property and I plan on closing in about two weeks so I want this process to be swift so I can move on with my life. Thank You for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: MO

Complaint narrative:
I contacted in United Revenue Corp in XXXX and XXXX of XXXX via a registered letter requesting verification of the debt they have reported on my credit bureaus from XXXX. My request included a full statement of charges and a copy of the HIPPA release letter with my signature. United revenue Corp. refused to provide me with my HIPPA release letter and a full breakdown of charges. They sent me a letter that was photocopy letter showing the charges twice. The billing issue s inaccurate and they refuse to verify it is my debt. Attempting to collect on a double billing. I contacted all three credit bureaus to have an investigation and have it removed for an accurate billing and incorrect information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We have a sizable business line of Credit and Term loan with Fulton Bank in New Jersey which was going on for 2 years. Now we had a Line of Credit enhancement request and a new mortgage loan which mishandled and and I was discriminated by the bank because I am an XXXX XXXX and my business is minority owned. Bank violated its prime duty of good faith and fair dealing. In addition Fulton Bank does not have proper controls in place which leads to serious wrong doings by the 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 2021-02-13 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: FL

Complaint narrative:
On XX/XX/2020 some lady stole my credit card and used it to purchase gas at XXXX XXXX XXXX XXXX {$24.00} ), buy something at XXXX for {$410.00} and XXXX XXXX for {$880.00}. I filed the police report and filed fraud claim with the Bank as soon as I was notified about the charges. My mistake was that I thought she did not take an actual card, I still had it. So when the bank asked me if I have card on me, I said yes. I later realized that she stole my husband 's card, who is an authorized user on my account ( I had his card in my wallet to later give it to him, and forgot about it ). I contacted the bank of america on at least 5 occasions, explaining the situation to them. Every time they give me 45 days to respond, and eventually decline my claim every time. I don't know what else to do. I did not make those charges.

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 2021-02-13 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: WA

Complaint narrative:
Am responding to CFPB 's request for feedback regarding complaint # XXXX and # XXXX. Citibank 's response made no sense what so ever and no effort has been made to resolve the issue at hand. Subsequently documentation that substantiates " An airline must return fees paid if they cancel the purchased flight. '' has been sent without a response. The flight in question was purchased in XX/XX/2020 and scheduled to depart on XX/XX/2020. XXXX XXXX canceled the flight and all others from the US in XX/XX/2020 and Citibank informed soon thereafter.

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2021 my wife and I decided to buy a puppy, we paid {$700.00} US for it and gave them the info to where we would meet them and never received any follow up phone calls or messages or emails, we never received the pet we paid for and followed up with US Bank who proceeded to tell us they wouldnt pursue it or help us at all and denied the claim we made with them and to file a police report with Local Authorities. We sent the money from our US Bank Account through the App they have that supports XXXX and after that we never seen anything from the seller. The names we were given from the seller was XXXX but the XXXX name was XXXX XXXX and XXXX XXXX, the email they used was 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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
NJ Lenders has not responded to my complaint. Duplicate is not the word that should be used it should be avoidance behavior or non compliance of responsibilities. This is not a duplicate or similar request. Closing the case ID is an example of avoidance behavior resulting from fear of the finds of who the payee who accepted and deposited the check is. 

Please respond via the CFPB website with the identity of the payee who deposited the {$130000.00} from the XX/XX/2005 NJ Lenders refinance. 

I am the person who has been paying back the money and I am the person who will have to pay the lien off before I can sell the property and have a right to know the identity of the payee who accepted and deposited the {$130000.00} from NJ Lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Phoenix Financial Services LLC
State: NC

Complaint narrative:
Phoenix Financial Services is reporting on XX/XX/2020 TWICE on credit bureaus for an amount of XXXX that I have absolutely no knowledge of. Ive tried to get it verified. I would like this investigated & removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the XXXX XXXX ( XXXX XXXX  ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper XXXX an will never let them go above that amount al least to XXXX so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XXXX after getting a pre-approved mortgage from Quicken for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my disabling accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX Mortgage, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
My girlfriend left me and when she left she stole a few cards and {$100.00} cash. She has no authorization to these items. One of the items was a Paypal account. She accessed my account ( she is not, nor ever has been authorized on this or any account of mine ) and was able to obtain {$21.00} from my account- again, she was unauthorized. I received notification of this activity and immediately notified Paypal. I also immediately changed my password. Paypal conducted an investigation and in less than 24 hours returned the results which I will be uploading. In its response, Paypal verifies the charge was unauthorized, but because the charge is not authorized, they denied my claim. That doesn't seem like that would be legal, or even ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
EQUIFAX Credit Reporting company does NOT allow me to file a Mortgage Dispute on their online system because they are Not reporting TWO different mortgages. And Equifax has no email contact information to correspond and their phone operators from some other country were of no help or can not understand them. 

In order to file a Dispute there has to be an Account Type that shows up on their dispute page. Since Equifax does not show Two of my mortgage accounts that I have in good standing their online system will Not allow me to Click a Dispute hyperlink. Therefore, Equifax is reporting a Low overall Credit Score by not allowing me to Dispute missing information. It is best to have Equifax have a customer service representative from the USA contact me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to get a XXXX year end statement for a month now from SunTrust. I paid off this loan to refinance with another lender in 2020. I went to their website to download or view my XXXX. Since the loan was paid off there were no loans showing on their site. I called into customer service for assistance. They advised that since the loan was paid off I couldn't view by statements or documents. I asked if they could see my XXXX and they advised no since loan is paid off. I asked if mine will be mailed and they advised not getting one since the loan is paid off. This is not true as I paid interest during 2020 when they services the loan. I hung up and called back a few days later. When I called again I was on hold for 45 mins before getting a rep. This rep advised they were mailed out but couldn't prove mine was ever sent. They would not issue a new one and as used to call back after XX/XX/XXXX. I have no proof that one was ever sent to me. I have to call in again to try to obtain something that I should be able to self serve.

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 2021-02-13 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: C/C Financial
State: PA

Complaint narrative:
A company is reporting twice ( for the same debt ) on my credit report. I tried disputing it ( both ) but theyre still in my credit report which is hurting 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