vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My debit card, along with my wallet was stolen on XX/XX/2019. I immediately reported this incident to my financial Institution, Bank Of America. I was told the investigation would take 10 business days to be completed, or I would be given a temporary provisional credit on the 10th business day. I received a message on XX/XX/XXXX, saying my claim was denied. I quickly inquired about this, and I was told the reason it was denied is because the person didn't have any unsuccessful attempts entering my pin. I was mortifed by this ridiculous reason, so I asked that this claim is reopened and escaped immediately. I was told to send a police report ; however, I was never asked to send one prior to my claim being denied. BOA is horrible for denying my claim and not adequately investigating it.

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 2019-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: NM

Complaint narrative:
I went to Waterstone Mortgage Company to get a loan for a house through the FHA assistance program at the end of XX/XX/2019. I found a home I was interested in purchasing mid XX/XX/2019, put in an offer, and paid {$500.00} to get the home inspection. The loan officer then said it was okay to proceed with the appraisal which cost {$500.00}. The loan was approved by the Underwriter. The loan officer did not make sure that all the Seller 's paperwork was in order for the FHA portion of the loan before proceeding with inspection or the appraisal. I was not aware. She was aware. In mid XXXX of 2019 the lender told me that there was an issue that Waterstone Mortgage company could not handle. Therefore, I would not be able to finance this house. I however found another lender from a different mortgage company who could possibly work out the issue and continue the process. When the loan officer from Waterstone found this out, she proceeded to send out the bad information to the FHA to insure that no other mortgage company could finance the loan. Her actions cost me {$1000.00} in losses and prevents the seller from being able to sell the house in the future. This action at the very least is unprofessional and other consumers should be aware of this predatory practice.

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 2019-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Today is XX/XX/XXXX. It has been a week since PNC Bank promised that a modification decision would be made. 
I am 48 business hours from the sale of my house on XX/XX/XXXX. This is the second time I have experienced going to the midnight hour with PNC. 

This is the same nightmare scenario that led to a currently pending Class Action federal case against XXXX XXXX XXXX ( dated as ofXX/XX/XXXX ) by he CFPB. 
PNC 's and XXXX XXXX policy handbook seems devoid in their understanding of the definition " Escalation of Sale Date ''. The Escalation with the Loss Mitigation department is apparently an empty title that is for appearances only and has no active proactive procedures to adequately resolve the complaint. PNC like XXXX  has also failed to place the sale on hold. This kind of treatment is belligerent. This is the 21st century and regulatory practices demand full Transparency on best practices. This is a regulatory violation. 

Finally, am I the only customer that has voiced these PNC systemic violations? Or are there any other voices out there to say that " PNC failed miserably to adequately resolve Foreclose Sale complaints after the customer had provided all requested documentation ''? 

Without the strong arms of CFPB, FTC, and other State agency being vigilant, the playing field would be characterized as being unfair and stacked against the consumer in their dealing with big financial corporations like XXXX  and PNC. It would be unjust for XXXX  and XXXX XXXX ( now XXXX  XXXX XXXX ) to have been penalized back then for their unfair practices. Only to let XXXX and PNC 's reckless and repeated bad behavior goes unpunished. As they have systematically and continuously violated best practices regulations regarding Foreclosure Sale complaints. These regulatory rules are designed to be fair for both companies and consumers. 

Any assistance would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
A debit hold has been placed on my account after I Froud event however no funds where affected. My online account was secured by changing the user name and password but Simpal Bank instated on a debit hold. This was on the XXXX and I do not even have food for my family. All my funds are in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Counsel, Inc.
State: IN

Complaint narrative:
Friday, XX/XX/XXXX I am an employee at XXXX XXXX XXXX. The owners are rarely on location and can be reached by email, so i pass any phone msgs to them. 
XXXX XXXX with CCI-Credit Counsel Inc XXXX I have communicated to mr XXXX several times that owner can not be reached by phone and i am the only one answering the phones, mr XXXX calls repeadly, one call right after the next, verbally badgering and bullying me, verbally abusing me, bad mouthing my employer, while im trying to work. He is not getting his msg across, he is only interfering with me working with patients, hampering me in providing quality customer service, delaying and damaging my work progress. It has become very disturbing and mentally stressful. 

XXXX Location : XXXX he called @ six ( 6 ) times in a row, back to back between XXXX - XXXX, @ XXXX and left a nasty VM msg. XXXX @ XXXX, @ XXXX lft VM msg, @ XXXX He said to me, " How do we get paid by you people, is XXXX  there? ; he called again @ XXXX. XXXX he called @ XXXX, asking, " Why dont you people pay your bills? ", and @ XXXX ( before the clock struck,XXXX ) ( 4 ) four straight times in a row, @ XXXX ( 2 ) two times in a row. XX/XX/XXXX @ XXXX asking, " Is XXXX never there? ", @ XXXX " Why dont you people pay your bills? ". XX/XX/XXXX @ XXXX, @ XXXX ( 2 ) times in a row, and @ XXXX. 
XXXX Location : XXXX @ XXXX, @ XXXX ( 2 ) two times in a row. 
Something must be done, he can not be allowed to harass Me concerning others financial responsibilities. Thank You

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 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2019, I had a scheduled appointment for an appraiser to come to my home and do an appraisal. This appraiser was sent by my mortgage company which is Bank of America. The reason for this appraisal was because my husband and I wanted to refinance our mortgage due to lower rates. The appointment was set up a week ahead of time. On XX/XX/2019 an appraiser from XXXX XXXX, XXXX showed up to my house around XXXX XXXX. He proceeded to call me because no one answered the door. I answered his call and explained to him that our appointment was scheduled for XXXX XXXX. He confirmed that he knew the appointment time but was early. I asked him to please wait a few minutes as my husband would be home soon and they could start the appointment early. He became very disgruntled and then he proceeded to hang up the phone on me. Once my husband arrived and let him in, he ran around our house snapping pictures and left within 10 minutes. I immediately called my loan officer at Bank of America to issue a complaint about the appraiser. I feel as though my concerns were brushed off and I was told to wait for the official appraisal in the mail. Once the appraisal came in, I noticed the estimated value of our home seemed way off. Homes in my neighborhood are selling for {$400000.00} or more and my home was valued at {$350000.00}. The said houses in my neighborhood are the exact same model home as my own. I have also added an {$11000.00} screened porch on and a {$5000.00} fence since closing. I called my loan officer and explained that I wanted to appeal this appraisal. After a week, my loan officer came back with a form I needed to fill out to appeal and told me to list my own comparables within our neighborhood. I supplied my loan officer with 15 comparables and their MLS numbers. I heard nothing for two weeks and finally called my loan officer and was told that they decided not to accept my appeal. I then asked who I could contact so I could get some answers to their reasoning for not accepting my appeal. I eventually had to reach out to my loan officers manager and have left two voicemails with him and sent him an email but now they are both unresponsive. I feel like I am not getting treated fairly. I am worried that Bank of America has chosen to brush my husband and I off due to the fact that he is not a citizen ( although he is a permanent resident ). I feel mistreated and I am at a standstill and can not get any answers from Bank of America. They have taken my money for the appraisal ( {$560.00} ) and yet still are not responding to me. Thank you.

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 2019-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CHALLENGE FINANCIAL SERVICES
State: GA

Complaint narrative:
I have been financing a XXXX  XXXX XXXX that was involved in a lemon law case the car insterest Im being charge is extremely high and amount due does not match the car value I was sold this car without knowing it had issues with oil consumption and have been having issues since

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was shopping on Southwest Airlines website for an airline ticket. As I was about to purchase the ticket an offer showed XXXX $ off the ticket price with a new line of credit. I applied and was approved and made my purchase. Now after having made the purchase and making my first payment Chase is saying that the offer is not linked to my account. I printed all the information that was on the webpage as I always do when I apply for anything online. I believe chase is defrauding people to open new lines of credit and then not honoring the promotions that they offer to get you to sign up. ( Paper work attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX am the owner of SunTrust business account for State Department Corporate Divisions Account known by XXXX as my Corporation called, XXXX XXXX  XXXX XXXX. SunTrust compromised my account by closing it on XX/XX/2003. I was never notified. Today I found out that they are claiming that XXXX XXXX XXXX closed the account. He is INACTIVE XXXX to XXXX and can not conduct business for XXXX XXXX  XXXX XXXX. So how could he be a closer of my account. SunTrust said that record only go back 7 years, but we know that that is not true. My account number is XXXX and I need it reopened and its funds returned from its account and others like XXXX with brokerage services XXXX and XXXX. These are securities accounts acquired from XXXX XXXX  XXXX XXXX., my perpetual corporation that should have not closed.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: OH

Complaint narrative:
I get a call on my desk line every few days from XXXX with a recorded message for " XXXX XXXX ''. No one by that name works with our company, nor do I have any idea who this person is. I emailed the company to ask them to stop calling and leaving messages, but the email bounced back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi advertised XXXX $ promotional bonus if i opened the account and deposited XXXX $ and maintained the XXXX $ for 60 days and provided them w9 form. I opened the account in late XXXX and deposited XXXX $ on XX/XX/XXXX and kept the funds for 60 days till XXXX. I also sent them my w9 and in the chat they confirmed receiving the w9 on XX/XX/XXXX. In the chat they also confirmed that i have met the requirement for bonus and i should receive it soon. But i has been 5 weeks since i sent the w9, nearly 2 and half months since i opened the account with them and they have not credited the bonus. every time i chat with them, they only say that they are processing my w9 form. This unneccessary delay in crediting the bonus feels like avoidance of honoring their terms. 
Their customer service is awful. So far i have contacted them via chat 5 times. 
with this complaint i am attaching their promo screen shot, my 2 months checking statements and my two chat transcripts of them confirming receiving my w9 and me meeting the requirements for the bonus. I am disappointed at the delay in their crediting the bonus and having to contact CFPB to get them to do it. I have only contacted CFPB after other customers have complained that they did the same. Citi is apparently famous for not honoring the bonus.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Completed a merchant financing application on XX/XX/XXXX for a new Amex Merchant Financing loan ( have had 4 prior loans, all paid off early, and all with perfect payment history ), and received an instant decline with the representative. Was told that they were unable to see any details, and that I would need to wait for a decision letter that could take up to 30 days to receive. When the decision letter was received, it stated that : 1. There has been a decline in your Merchant account 's last 12 months of Amex Transactions compared to the previous 12 months. ( our records indicate that there may be a decline by no more than {$2000.00} however the Amex manager states that what they see is close to 30k less. She states that since it is a computer based decision, they can not request our documents to show that they are not providing me with all of the accurate information ) 2. Your Merchant account does not have sufficient tenure with American Express. ( We have been members since XXXX, and this has not been an issue with prior loans ) 3. Your Merchant account does not have sufficient American Express charge volume. ( As stated above, numbers are not significantly lower, and we have been with Amex for close to 8 years ) The lack of response from Amex other than that a computer made the decision without allowing a chance for correction of false information is incredibly disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-11-15 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: SC

Complaint narrative:
Transunion has me reported for a bankruptcy. 

They are required to confirm it IS me and confirm my complete SS number ( not just some of my ss #. Many, Many others have my parts of my ss #. 

Transunion is REQUIRED to confirm it is me with my FULL SS #. 

I would also like to know who they claim is reporting this to them. I contacted the bankruptcy court and have been informed that the court does not report or provide information to credit bureaus or agencies. In my letter I have blocked some of the letter ( I.e clerk 's name, non important sentences ). 

I have been working on this for almost 18 months!!!

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