vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
For over 2 years now we have been trying to do a short sale and we have run into a road block with the Jr. Lien at PNC bank XXXX After many conversations with PNC customer service department, I have been told that the asset manager that made the final decision on this file. PNC decision was insulting to say the least. Maybe they did not review the appraisal and payoff letters I sent you from the 1st mortgage lender XXXX XXXX. I have attached them hereto again for your review. Please note that the appraisal done by the 1st mortgage lender was a full interior appraisal XXXX value not a drive by like PNC Has done. Please note that there is over a XXXX discrepancy in the value from your PNC Drive by Vs. the 1st mortgage lender XXXX servicer. Also note that there are structural issues with the property. Also the Property has been listed for sale for over 2 years at XXXX with no offers. 
That discrepancy is too wide to be anywhere acceptable / credible. The only conclusion that can be derived is that PNC is being totally unrealistic in their evaluation. This can be considered acting bad faith in part by PNC to say the least. I call it malfeasants. 

The buyer was so distraught by your decision that he has directed me to help him negotiate directly with the first mortgage to buy the note and proceed with the foreclosure to remove PNC as the Jr Lien. That has already been put into motion. See attached letter to 1st Mortgage attorney. 

PNC has blown this approval and now very likely will receive no proceeds to settle this matter. You should reconsider to take no more than XXXX for this upside-down property and that's generous. 
However even this offer may be too late as Buyer has started the process with the 1st Mortgage lender to buy the note and continue the foreclosure.

Let me know ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX  XXXX XXXX that could solve my problems. But there was a catch : I have to pay fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from XXXX and send it to him. Because the money I provided was not enough, he took all my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The only thing he did was to " open an account in my name in XXXX XXXX XXXX  '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts ''. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings and XXXX XXXX  accounts until they drained. To all my complaints, the answer was that if I did not agree, he was going to donate the winning check to charity. This check is still in the air. 
He was using any mean tactic to take more and more money from me. Initially I trusted him. At the beginning of XXXX, XXXX, XXXX he or his team purchased for {$12000.00} in the country XXXX, with foreign currency, home improvement stuff ( attachment 1 ). On the next statement all the purchases were for using of restaurants, XXXX XXXX attachment 2 ), nothing was paid. The next statement XXXX shows my unsuccessful attempt to pay the balance with the false account that the scammer has created and its almost immediate cancellation. However, the purchases mainly of gasoline continued. The scammer did a small payment of {$310.00}, so that he could continue to buy more gasoline and go to more restaurants. At the end of XXXX, the balance reached {$16000.00} and continues to go up because of the fees. The fraud department of Discover declared that I had authorized the charges and wants me to pay the balance. As I have already explained : 1 ) I did not authorize the scammer to buy materials etc., stuff that I have no idea about ; 2 ) I was completely robbed and can not pay anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I was a with CITICARDS CBNA ( Opened XXXX XXXX, XXXX ) customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been trying to get the correct amount of debt owed on my mortgage asked for 3 months to get a copy of the original mortgage documents company is unable to provide the documents. 

They sent me a inaccurate transaction history I was able to find 2 bank statements showing payments that was not on their history. I have provided this to them but did not get any response. 

They are unable to provide mortgage docs showing the obligation of the debt and the transaction history is inaccurate It is the responsibility of the lender to provide accurate proof of debt. I have given them documentation that their information is inaccurate. 

They violated my rights by making phone calls to my cell phone after being requested not to. I attached a email showing I released them from this after several calls were already made.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
I saw a collection account on my credit file from Mountain Run solutions. I sent a request to this agency for validation of the account. It has been over 60 days and they still have not sent anything, yet they continue to report this erroneous account on my credit. I have insurance. I don't owe anyone XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: DISCOVER BANK
State: TN

Complaint narrative:
I recently was approved from a discover it card. I received the card on the XXXX of XXXX. I activated the card XX/XX/XXXX and tried to use the card on my XXXX play account for a sum of {$7.00}. They denied my purchase and stated possible fraud and to give them a call. I called discover and went a specialty team member and loss prevention. They stated my phone number which has been my phone number for awhile can not be used to verify me and do I have another number. Then stated they can not help me and to call back. I called back over five times and its the same run around. They verified me using my same number when I created the account and now they won't verify me to use the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IL

Complaint narrative:
Plaza Home Mortgage ( XXXX ) has failed to pay my property taxes in XX/XX/XXXX for the XX/XX/XXXX Tax Year from an escrow account. Countless phone calls have still not resolved the issue and a tax lien has been placed on my home, as the staff continues to falsely claim issue is being worked on. Even today, XX/XX/XXXX, Plaza Home Mortgage has not resolved this issue and are continuing delay, causing additional penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
A checking account was opened using my personal information without my permission and knowledge. I called multiple times to request them to close my account and prevent future accounts from being open under my information and they refused to do it. They asked to verify my name, last 4 social, birthdate, and home address which I provided. They responded that they are not able to close the account without verifying an email address, which I don't not have with the company because I did not sign up with the company. Now they are asking me to email the support group with a picture of my photo ID and my social security card. They refused to close the account unless I provide them more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Chrysler Capital feels calling someone, have the person they are asking for it becomes okay to phish. They called me not the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was the owner of a beneficiary 401k account after my mother died late last year. 

After speaking with Merrill Lynch on the phone on XX/XX/XXXX and confirming that by me accepting the disbursement prior to the end of XXXX, the disbursement would count towards my XXXX tax year. I took action on the account and chose to complete the disbursement in XXXX for tax purposes. 

By XX/XX/XXXX, I did not receive my 1099-R form. 

On XX/XX/XXXX, I called Merrill Lynch to ask about the status of my 1099-R form. I was informed by the customer service representative, after she completed her research she said since the money was deposited to my account after a certain time, the disbursement would count for my XXXX tax year. 

I made a decision to accept the disbursement so quickly because I wanted it to count for my XXXX tax year. Because of this bad information from Merrill, my finances will be negatively impacted. 

I asked Merrill for a written statement confirming that my disbursement would count towards my XXXX tax year. I asked for this in writing because I was told two different things from two agents. They said they could not provide me with this information in writing.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RESOLUTION at XXXX XXXX XXXX has been sending me collection notices in the amount of {$440.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one give me hard time someone used my name Card opened as result of identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citibank NA, Macys XXXX, and XXXX XXXX XXXXXXXX XXXX. The Account Opened is Citibank NA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is Macys XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX  is an old account that is paid off, yet they have adverse information affecting my credit.

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 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
This involves the Company by the name Coinbase, located in XXXX XXXX, CA. Coinbase is a crypto currency exchange company. 
I signed up to use Coinbase on XX/XX/2021. I made three purchases of {$1000.00} each XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX at about XXXX, an unauthorized purchase was made in the amount of {$1000.00}. I was asleep at XXXX so it was not me that initiated the purchase. Later that day on XX/XX/XXXX when I realized this purchase occurred, I contacted Coinbase via email ( they literally don't have a customer service phone # ) to tell them I did not make the purchase. I received an email response from Coinbase on XX/XX/XXXX saying that my account would remain frozen until they resolve the issue ; they also asked for more information, which I provided that day. On XX/XX/XXXX, Coinbase responded saying they would review the case and get back to me. I filed a complaint with my bank and they reimbursed me for the {$1000.00}. I have reached out to Coinbase 10+ times since then requesting an update and access to my account, with no response and no way to access my money. It has been several weeks with nothing more than automated email responses from the Coinbase. I've search the XXXX website and XXXX, and there are thousands of complaints similar to mine. This company should not be allowed to operate as they don't know what they are doing and are in way over their heads. I can't imagine that their behavior is not criminal. My Coinbase case # is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had fraudulent activity on my account its been over 60 days now and I haven't gotten any response. This affecting my vehicle situation because im getting very high interest rates and my job is opening back up in XXXX. My accountant wrote a letter for me to send to the bureaus. 
I would like these inaccurate items deleted as soon as possible.

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 2021-02-18 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX, and TD Bank USA Target. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have been a with SYNCB/XXXX customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agencies do not seem to have integrityand unbiased practices. I was informedthat my file was suppressed because a collection company stated .... they did not think i was the consumer while disputing the fraudulent account that recently appeared on my file. In addition to release and or removing said suppression. The credit agency is asking for a copy of my social security card which is also an identifierthat was stolen. This is information has been reported to the police dept. and an affidavit is on file. If the information was stolen why would I give it freely to a credit agency who will then share it with the collection agencies to validate a fraudulentdebt. 
The credit agency has the ability to send out real time alerts for attemptsof new credit, however there are new alerts when a collection is attempting to place an account. It is already on your report and has done the damage to your score even when there is a police report on file. In addition, These credit companies are for profit and have the power to move with integrity. Instead they want you to pay a monthly fee to protect you and then offer a premium package that is supposed to assist. This is all a game and the AMERICAN PEOPLE DO NOT DESERVETHE GAMES when they have worked hard to have a good credit rating. WHAT IS CREDIT SUPPRESSION? 

These actions should not be allowed and these practices need to cease. 
Complaints will be filed with all the agencies below FTC CFPB DEPT OF JUSTICE ATTORNEY GENERALGOVERNOR OF TEXAS

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 2021-02-18 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and American Honda Finance, XXXX XXXX XXXX, and XXXX XXXX. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation