vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
1. opened an account with Kraken XXXX XX/XX/22 XXXX submitted my credentials like photo ID etc and linked my XXXX XXXX account ( I have a screenshot ) 3. Same day I purchased crypto currency at the amount of XXXX XXXX XXXX $ and used my linked bank account. Kraken charged XXXX $ transaction fee and credited my account with the crypto. 
4. XX/XX/22 I wanted to add additional XXXX XXXX $ but due to the max amount of XXXX XXXX $ it was only possible by wire. 
5. I wired XXXX XXXX $ from my XXXX XXXX account which was not credited for a couple of business days.

6. customer service told me that it will take additional time to process ( I have transcript ) 7. After 8 business days ( from the wire ) I receive an email from Kraken stating that they want me for undisclosed matters close my account. In order to return my wire I should provide bank statement.

8. I refused to disclose my personal bank transactions via a statement and after 3 email exchanges they returned the wire which was not the full amount but close 9. Kraken asked me to sell my crypto in the account to return my balance, I refused because I have paid XXXX $ commission but I offered to transfer my crypto into my ledger wallet and them I am happy to close the account.

10. Kraken refused and insisted to sell my crypto on their exchange in order to close my account and return my money Here is my complaint : It is understood that these exchanges need to be careful to be in compliance with rules and regulations. If they consider that my account is suspicious why did they accept the opening, transactions and collecting the fees from the transactions? 
Having said that it is also understood that I need to comply with the closing but Kraken returns my money only if I sell my crypto assets. I made 2 attempts ( I have screenshots ) to transfer the crypto into my ledger wallet and was ready tp close my account. The fraud consists in my honest opinion that Kraken collected XXXX $ commission form the purchase plus an additional XXXX $ for the transfer, they will collect another commission from the sale and only then return the money. If this is unethical or fraud is up to you to decide. Not mentioning the short changed return of the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
XXXX sending this complaint to your company because theres multiple loans opened in my name without my authorization, permission or consent to obtain goods ( identity theft, fraud, error etc. ) LOAN XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. After contacting Affirm on my behalf, the following personal information on file to create Affirm account is XXXX XXXX as legal name, phone number is ( XXXX ) XXXX, email address is XXXX, and billing address is XXXX XXXX XXXX, XXXX TN XXXX XXXX. The personal information isnt mines and doesnt belong to me. Please read additional information attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We had a mortage that escrow our taxes. we sold the property, taxes were taken out of closing. BB & T has yet to refund our escrow taxes. We have been waiting since XXXX.I have called at least four times. I have had the local bank rep call. here it is XX/XX/2022 and i still don't have my refund.

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 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I disputed this debt XX/XX/2022 with all three credit reporting companies and they say its a valid debt and I say its not. They give no reasoning on how they determined that it is a legitimate debt other than to say I have to contact the company. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient solutions violated XXXX title XXXX XXXX. XXXX. During the 30 day validation period the consumer was unable to verify such debt claims due to lack of sufficient evidence. The original contract with the red ink wet signature was not rendered. However, Navient sent a promissory note that did not bear the original signature of the consumer. Consumer clarified that the signature did not belong to him. In conclusion consumer will litigate Navient for fraud, tax invasion, harassment, violation of XXXX, Violation of FCRA and violating special deposit. Affidavits of fact were sent to Navient under special deposit with special instructions of which instructions were not followed. By law this results in breach of contract. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Navient is also violating a cease and desist that was sent to them. I request that you audit Navient for such violations. This complaint serves as evidence and will be applied to the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
No money was withdrawn or used, however a hard inquiry was placed on my credit from Amex on XX/XX/21. It must have been declined because I don't see an open account, however the hard inquiry is still impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
I believe my loan servicing company, Planet Home Lending ( XXXX ), is illegally holding mortage payments in an effort to collect extra interest payments on my mortage loan. On XX/XX/XXXX, I made a wire transfer of {$150000.00} to Planet Home Lending ( XXXX XXXX Number : XXXX ). Initially, PHL did not even post the payment. After several phone calls, they finally posted the payment. They assured me the payment would be posted per the date of receipt. As indicated by the XXXX number, PHL received the payment on XX/XX/XXXX. Per the attached payment history, PHL posted the payment on XX/XX/XXXX. Per the attached amortization schedule, final payment is {$750.00} and is due XX/XX/2036. Per my attached calculations, the final payment amount should be closer to {$150.00}. Clearly, PHL has improperly held this payment. Looking again at my payment history, it appears that they also inappropriately held an extra principal payment, but that seems to have been correct. I am concerned that PHL is in the habit of holding payments before posting them to mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I subscribed to a service XXXX XXXX from XXXX. I cancelled service in 2020. I received and still have an email from XXXX saying my service was cancelled XX/XX/ 2020. I find out they have been charging me since. Even after I cancelled and received a new card number. I call citi/best buy and they have me call XXXX. I do, no help. I enter the dispute process with best buy/ citi. 2 days later I get an email saying nothing they can do. I call customer service this morning and was hung up on 3 times before I was able to reach a manager, who told me she could give me a fax number. Who has a fax machine? I asked for email address or address to mail and was told their regulations don't allow that. This is a theft of at least XXXX at this point, from a company that makes billions.

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 2022-03-19 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ON MY CREDIT REPORT THEIRS AN ITEM REPORTING INACCURATE AND IS FRAUD I AM A VICTIM XXXX DATA BREACH IDENTITY THEFT AND MY INFORMATION WAS COMPROMISED I HAVE A CREDITOR # XXXX XXXX XXXX  ACCOUNT # XXXX ON MY XXXX REPORT I HAVE BEEN DISPUTING IT OVER 10 TIMES OR MORE OVER A YEAR NOW I HAVE MY CERTIFY RECIEPTS FOR PROVE AND THEY WON'T REMOVE IT. I DISCIDED TO MAKE A COMPLAIN DUE TO AM FRAUSTRATED, EMOTIONAL AND DISTREST BY THE SYSTUATION AND I HAVE BEEN DISPUTING IT OVER 10 TIME OR MORE, PLEASE I NEED HELP IN THIS MATTER I ALSO DISPUTED IT WITH THE CREDITOR AND I NEVER RECIEVE A RESPOND SO IT NEED TO BE REMOVE.

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 2022-03-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The cares act has been in continuous effect since XX/XX/XXXX. 

XXXX ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 
Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... XXXX is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review

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 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
When I tried to login to XXXX to check the status of a credit card chargeback dispute response for our Merchant ID : XXXX that we submitted last week, the login prompt, in addition to requesting my normal password, also started asking me questions and data that I never even entered in to begin with when I registered/signed up with XXXX. 

Questions like " what was your childhood nickname '' do not even exist because I never even had a childhood nickname. 

Now I am concerned about too many attempts to login because I do not want to be locked out of my account. 

Now I have called their customer service number and after having been verified time after time, I have been transferred now 3 times, the last time sending me a " black hole ' where no has answered the phone for what, 30 minutes, and with no music, or anything, just periodic weird spooky " clicks. '' Finally, after transferring/keeping me on hold for what 30 minutes they just hung up on me. 

In addition, whenever I email their customer support email at XXXX '' I get a weird email from " XXXX '' telling me that " This is an automatically generated email, please do not reply ... Case Reference ID : XXXX ... Account Name : Merchant Internal Support Account Placeholder ... Chain : MID : Case Category : Online Case Type : Portal Support Requester Name : XXXX XXXX XXXX, XXXX ... Dear Merchant, Thank you for contacting Customer Care. The case you are responding to has been closed and is no longer being monitored... We appreciate your business... Thank you! Customer Care. '' Please urgently investigate and advise.

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 2022-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Im writing this letter because I feel upset about my refinance process. I started the process on XXXX and as of today I havent been able to close because Caliber Home Loans has Fail to comuncate with me they has changed the loan consultant many times and the havent told me. I call them multiple times and they never call me back with an update. All the documents needed for closing are going to expire soon and im not willing to wait more because the market and interest rates are changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I was offered an opportunity to transfer deposits for a church in exchange for getting paid. I was emailed checks on XXXX Thursday XX/XX/XXXX and told to transfer the money the next day at XXXX. I got nervous since I was pretty sure it was a scam and didnt know what to do so I did as they said, and later the next day XX/XX/XXXX, the checks were processed and they were not connected to a bank account. The money had showed up as credit in the morning but werent actually worth anything. I transferred the money I thought I had through Zelle and XXXX, and lost {$5000.00}. 

These are the emails of the two people who scammed me : XXXX XXXX Here are the Zelle accounts I had to give money to : XXXX account ending in XXXX XXXX XXXX account ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citi Cards/Citibank XX/XX/22 . If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!

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 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello just the other day TransUnion took XXXX dollars out my account and I need my account took off of TransUnion because I did not sign up to spend XXXX dollars a month on something I do not use

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Someone opened an account in my name with Bank of America. I sat on hold for 2 hrs waiting to talk to someone to close it. 3 hrs after they did, another checking account got opened in my name AGAIN, also with BoA.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
First problem : Experian requested documents verifying my first and last name by US Mail. I responded by sending a cover letter asking Experian to remove the suffix " 3 '' from my name, W2 's from both of my current employers, a photo copy of my current driver 's license ( front/back ), and a copy of 2 current utility invoices ( residential gas bill and residential light bill ). Experian is refusing to respond and has not updated my information in my credit file. There is no suffix of " 3 '' at the end of my last name and there never was. I have been trying to correct this issue since 2020. My first name is XXXX and my last name is XXXX. Second problem : I am also having an issue activating and deactivating my credit freeze per diem. Experian has not fixed this issue. I am not able to sign in online into my Experian profile. I called customer care and can never speak to a representative.

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to withdraw {$22000.00} from my bank account with Bank of America and even asked for a wire transfer or cashier check and was denied access. Instead, they froze my account without an apparent reason. They stated that '' needed to verify where the money came from '' even when I show them the evidence ( Bank statements and Deposit Slips ). By my account been frozen has cause me many issues since the closing of my house has been delayed jeopardizing the transaction and/ or at risk of been penalized. Also, I am receiving late fees from the automatic payments set up previously. I don't understand why the bank didn't reach out to me since the money has been in the bank for several weeks now. This action is very arbitrary and has no apparent reason to me that discrimination since I belong to a XXXX XXXX " XXXX ''. The customer service is really bad and all they said is I am sorry but don't even try to solve the issue. I believe as a customer I deserve a better service since the bank have been working with my money lending it to other people and making a gain on interest. This is my well earned money and need to have access to it whenever I need to.

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 2022-03-19 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Wells Fargo ( XXXX XXXX XXXX ) on XX/XX/21. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!

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 2022-03-19 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted Navient who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citizens bank on XX/XX//22. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!

Company response to consumer: Closed with explanation