vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My bank ( PNC Bank ) prevented me from purchasing XXXX XXXX via XXXX  app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX I opened a checking and savings account with SunTrust Bank online.. I received all emails stating my new account was opened and ready to fund. I transferred money using my debit card from another financial institution, which was an option. I received my debit card a few days later and activated it. On XXXX XXXX I tried to use my card and it was declined. I tried to log into mobile banking and couldn't. I called my local branch and was informed that my account was being closed and to call the fraud department. When I called the fraud department I was told my account was frozen and being closed because I violated a policy but they didn't have exact details and I would receive a letter in the mail. I called again on XXXX XXXX and was told after 5 days I would receive my money in check form in 7-10 days. I called again on XXXX XXXX and was told I have to wait 15 days then receive my funds by check in an additional 7-10 days. Never once during this did i receive any communication from the bank that there was an issue.I have told them I need my money, i have tried to contact corporate and there doesn't seem to be a way to do that. After reading online reviews this seems to be a common practice of this bank. PLEASE HELP, I NEED MY MONEY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: DE

Complaint narrative:
I made 2 purchases with XXXX which they were defective upon delivery or returned per XXXX policy. These were charged and disputed to my Master card under the term of my contract with Bank Of America. I received letters from Bank of America dated XXXX XXXX stating the amounts of {$17.00} and {$35.00} were refunded to my credit card and they were not. I called on XX/XX/2020 and spoke with customer service, XXXX from Bank Of America and she researched my credit card statement and confirmed these two transactions were charge to my Mastercard and were not refunded as Bank of America Letters stated. This is fraudulent business ethics besides breach of contract by Bank Of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XX/XX/XXXX my primary account has been on hold. I cant access even the money that is in my available balance. I need to pay my rent and its frustrating that theres no one who can give me an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been dealing with someone stealing my identity since XXXX of 2018, periodically they apply for credit. I have put a freeze on my accounts to not allow any additional credit accounts without further verification. I have been repeatedly trying to have false information removed from my credit report. I've contacted both XXXX XXXX and XXXX 's multiple times to remove the inquiry made by the person trying to steal my credit. I've made numerous attempts to the companies and have been told each time that they will remove the inquiry. Time goes by and nothing changes, that's when I contacted the credit reporting agencies XXXX and Equifax and filed disputes on all incorrect information. Each dispute gets " verified '' as correct which is false. I've exhausted all my resources and now find myself here trying one last time to rectify the issues before I file a claim under the FCRA in court against both credit agencies that continue to report false and negative information that affects my credit and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with experian of an account form state recovery system for {$510.00} that was found out not to be reporting accurately. The debt was never properly validated and was found to have been a bad account. As a result, both equifax and transition promptly removed the bad account form my credit report. However, Experian ha shad the account dispute for 2 months now and the account still shows on my credit report as under dispute. I have tried reaching out to them with no response received back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
1. Quicken Loans began to prevent me from making payments when the payments due exceeded the amount due on the remaining mortgage balance 2. When I asked them for payoff quotes, they provided them 24 hours later, expiring on the day of receiving them 3. Now, they've committed fraud by reporting me to the credit bureaus for missing a payment that they would not allow me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: VA

Complaint narrative:
It was determined on XX/XX/2019 that a loan with XXXX XXXX XXXX was fraudulent and the account was deleted from my credit report. But then I just received an alert from Experian on XX/XX/XXXX that dispute results are ready pertaining to this same account that was removed from my credit report. In addition I never filed a dispute for this account due to the fact it was removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I have a Coinbase account, with a Coinbase " wallet '' and a " XXXX '' in which I store bitcoin. 

The XXXX functions as an additional safety measure, and requires verification from 2 different email addresses prior to authorizing the transfer/withdraw. 

Over the past week, I have been trying repeatedly to transfer the full balance of my XXXX  to my Wallet. The link to my primary email ( XXXX ) works fine. However, the link to my secondary email ( an XXXX account, XXXX ) does not work. Anytime I click the link it tells me that " this action has already been performed '' even though it has not. As a result of this, my money is essentially trapped in the XXXX. Searching the internet, it seems that many other people have had this issue using XXXX/XXXX   accounts, and is a result of the additional security measures these email serves utilize. When I created the account, there was no warning to avoid using these accounts. 

Over the past 2 weeks, I have submitted 5 complaints to Coinbase. All were given an automated response which did not resolve the issue. I finally got an authentic response, and was asked if I wanted Coinbase to manually transfer the money back into my Wallet, and then delete the XXXX. I responded that yes, I wanted this to happen. Even though I responded promptly ( and have the email to prove it ) days later I got an email from them saying that I needed to respond within 48 hours or my complaint would be closed. I replied within 2 hours of receiving this email, nevertheless, I received an immediate response from them saying that my ticket had been closed, and that I needed to file another complaint. 

So essentially, my money has been trapped for 2 weeks, with very disappointing effort from Coinbase to help remedy the issue -- despite multiple attempts on my part. Any assistance you could provide in helping fix this issue would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been dealing with someone stealing my identity since XXXX of 2018, periodically they apply for credit. I have put a freeze on my accounts to not allow any additional credit accounts without further verification. I have been repeatedly trying to have false information removed from my credit report. I've contacted both XXXX XXXX and XXXX 's multiple times to remove the inquiry made by the person trying to steal my credit. I've made numerous attempts to the companies and have been told each time that they will remove the inquiry. Time goes by and nothing changes, that's when I contacted the credit reporting agencies TransUnion and XXXX and filed disputes on all incorrect information. Each dispute gets " verified '' as correct which is false. I've exhausted all my resources and now find myself here trying one last time to rectify the issues before I file a claim under the FCRA in court against both credit agencies that continue to report false and negative information that affects my credit and scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I am stuck in XXXX because of Covid. My phone was damaged and I lost my 2 factor authentication on my phone. So, I tried to reset it with Coinbase. That is when the nightmare began. It was a process of endless repeating copy and past emails from Coinbase. The company is unable to send a confirmation code to my phone. This is their problem not mine. I requested that the company return my funds to my bank account - since I am locked out of my account - and they are unable to fix the situation. Coinbase stopped responding to my emails at that point. I have sent many angry follow up emails and coinbase does not respond. This is a terrible and unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC
State: SC

Complaint narrative:
I submitted a complaint against XXXX XXXX XXXX complaint # XXXX I received a letter on XXXX XX/XX/2020 from an attorney still showing the wrong amount. 
My complaint was turned over to the XXXX on XX/XX/2020. 
I do not owe this amount. The keys to XXXX XXXX  was turned in to the assistance manger on XXXX, XX/XX/2020 at which time the electrical was also transferred to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
On Saturday XX/XX/XXXX at around XXXX XXXX, my Macy 's account was hacked into and the information was changed so that I could no longer have access to my account. My Macy 's credit card was linked to this account. My card information was compromised and used to make, only to my immediate knowledge, 2 purchases. One purchase was for {$41.00} and the other purchase ( which was auto cancelled ) for {$290.00}. I have attempted to reach different departments for Macys at the suggested call times and have been unsuccessful thus far. I have tried to follow the FAQ but do not have access to my account as the information has been " updated '' by the hacker. My card was linked to my checking account for auto bill pay and am afraid that my bank information and possibly social security could have been compromised. I am unsure what steps to follow as all the lines I have called for Macys have been closed due to COVID-19 and telephone operating hours were not updated. The individual who hacked into my account also created a new email address based off of my email address and have reported this to 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 monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am trying to sign up with XXXX XXXX to invest in my future and it will not let me link my PNC bank account. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I have a account with cash app my card is not working I can see my balance I still have money on my account my money came from my unemployment Its been 2 weeks now and nothing have changed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I have been making payments on time to Synchrony bank for all three cards I hold through them, Care Credit, XXXX XXXX and Guitar Center. I make them every month with the only late instance due to their website not processing an automatic payment I set up on one occassion. My fiance and I have stayed gainfully employed through the pandemic, never missed a payment during it, never were struggling to make one and never asked for any sort of forbearance, forgiveness or other help to make the payments during this time. 

Once the pandemic hit and places were shutting down, they " initiated a periodic review '' of my credit report and cut my limits on my XXXX XXXX and Guitar Center credit cards due to " other accounts with other institutions showing over their limits. '' Those accounts were in no way related to Synchrony Bank and only were briefly over their limits due to interest fees and payments not being processed yet because their due dates had not come up yet. 

This reduction of available credit and change to my credit balance to limit ratios has negatively impacted my credit limit for no reason other than them trying to protect themselves due to the pandemic with blanket actions rather than independently reviewing situations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I used my employee Amex card to pay for a business trip at XXXX, TX this XXXX. Its was a two night stay with one night of room upgrade. When I checked out, the fairmont front desk mistakenly booked two nights of upgrade and generated a bill of {$860.00}. I immediately notice them the mistake so they re generated the invoice, corrected the amount to be {$760.00}. 

Later I found out the charge on my Amex card was {$860.00}. So I submitted a dispute with Amex, attaching the copy of the receipt. After months of investigation, the Amex dispute department came back saying the charge was valid, attaching the old incorrect invoice as their proof. 

The correct invoice of {$760.00} clearly shown the refund amount of {$860.00} and break down of the new amount due. But somehow Amex chose to ignore it or didnt even look into it. 


This is not the first time the dispute department did such a job. There was another charge of {$100.00} from XXXX where Amex claimed the charge was valid after their investigation, but XXXX the merchant has already refunded the charge due to fraudulent activity. 

I would like a formal explanation as to how Amex conduct their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have two inaccurate late payments reporting on my TransUnion credit report from XXXX XXXX XXXX listed in XX/XX/XXXX and XX/XX/XXXX. I have disputed the inaccurate late payments with TransUnion but the bureau refuses to remove the inaccurate information stating that XXXX XXXX XXXX verified the late payments as accurate. I have contacted the company and Ive been informed that there are no late payments reporting on my closed account. The car payments were due on the XXXX of each month. I am attaching a copy of my personal bank statements showing when the payments were withdrawn from my checking account. The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ). The XX/XX/XXXX payment was withdrawn on XX/XX/XXXX ( which is not 30 days late ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06 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: WI

Complaint narrative:
On XX/XX/XXXX, my PayPal account was hacked and dozens of transaction totaling approximately {$15000.00} was stolen from other peoples credit cards, put in my account, and taken out on a debit card that was not my own. I was informed of this by one of the people whose cards was hacked ( NOT PayPay ). I contacted them on XX/XX/XXXX when I became aware of this. They recognized the problem, my password was reset and the fraudulent debit cards and accounts removed. They told me they would put an agent on the case and get the transactions removed. I called back a week later after nothing whatsoever had been cleared up and got the same story - that someone was working on it. 

I called again on XXXX and their customer service phone line was down, and message center had a multiple hour wait. I opted for the message center but it reset after a while and my place was lost. This is insane, they have acknowledged fraud, but are unreachable, and have done nothing to remedy the situation. Please help! I get calls daily by those affected asking where there money is even though I did not take it. I am at my wits end with PayPal, they have been absolutely abysmal in helping with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We have purchased a new home. We still are paying the mortgage on our previous ( first ) home. We are trying to owner-finance a sale of the first house. However, the title company asked we receive a letter of permission from the lein holder, Carrington Mortgage. On XX/XX/XXXX, I contacted them by phone to ask for this letter. They sounded confused as to what I was asking. They asked that I fax a letter requesting the permission to their Research department. I had my agent fax that letter the same day, XX/XX/XXXX. 

I phoned back on XX/XX/XXXX and the representative claimed that the fax receipt was not in the system, and if it is not there, they can not help with any further information. When I asked whether she could contact the department and verify, I was told she has no way to contact them, and I should wait until the 20 - 30 allotted business days were up. 

We have yet to receive any information or response to the letter or phone calls. As of last week, XX/XX/XXXX, their customer support system was having technical difficulties and the office was closed.

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

Complaint narrative:
PNC Bank refuses to allow me to link my bank account to the XXXX  service. 

I have been a long term PNC customer and XXXX  is a well known service to connect bank accounts to other services.

Company response to consumer: Closed with explanation