vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On   XXXX   XXXX   XXXX    , I opened an HELOC with PNC Bank. Many things went wrong on closing day : no one ready at  PNC  branch, no documentation ready in spite of weeks of advance scheduling, long wait time at another  PNC  branch..     I was told then that if I opened an checking account with PNC Bank, my interest rate would be lowered. I was told also that since I had no time to open that checking account on that day ( plane to catch ) I could come back later and open the account and then get the interest rate discount.     Today   XXXX   XXXX  , the same  PNC  Bank branch employee tells me it is no longer possible to benefit from the discount. I would have had to open the checking account on   XXXX   XXXX  .     I was clearly promised something on   XXXX   XXXX  . I am denied it on   XXXX   XXXX   XXXX . The reason I did not open the account on   XXXX   XXXX   was the delay caused by the breakdown in PNC Bank closing promise.     I add that other breakdowns have occurred since the HELOC was openened : I was mail a check book for the HELOC with an account number missing  two  digits. I complained and was told  PNC  Bank deliberately issues check books with missing digits! My account number is therefore not the account number as it appears on the book! Odd?     What should I do?     I am at your disposal for any documents related to this complaint.     Cordially,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Incomm Holdings Inc.
State: AE

Complaint narrative:
On  XXXX   XXXX    XXXX  , I purchased a Reusable PayPal MyCash C ard ( PPMC  ), with a value of {$500.00}, for a {$3.00} purchase  fee. I visited paypal.com/cash, per the card instructions, to load the {$500.00} to my PayPal account. After entering the PPMC PIN and providing my PayPal account login credential s, the website returned a " My Cash Error  Code = 203 '' ( see atta chments ).     I immediately called the customer service number at  XXXX . The customer service representative  ( CSR ), op ened a ticket ( #  XXXX   XXXX  to have the issue investigated. The  CSR requ ested I send a photo of my driver license with th e PPMC,   and the purchase receipt to  XXXX  XXXX  XXXX  '. I sent the requested documentation on  XXXX   XXXX    XXXX  , asking for an email response with confirmation the email and attachments were successfully received. I did not receive a response.     From  XXXX   XXXX  through  XXXX   XXXX    XXXX    ( 11+ weeks ), I  ca lled PayPal at le ast 2 times per wee k ( ~25 times ) to  inquire about the status of my ticket.     The first response was the error could not be resolved and I would be issued a refund. The next set of  CSR respo nses was to refuse to send a refund check to an  XXXX   XXXX   XXXX   XXXX  ( AP O ) address, claiming PayPal does not ship to International addresses. I informed PayPal this is not th e first time I 've had this problem, and on the previous occurrence ( previous ticket #  XXXX  )  PayPal mai led a check to the very same address I provided for this ticket.     Sometime during the first week of  XXXX    XXXX  , a  CSR agreed that a refund would be issued and sent to my APO address. From that point to the  present, each time I inquire about the status of my ticket I receive the same response. " The refund is being processed and the check will be mailed  in 7-10 days.  '' By the end of  XXXX    XXXX  , no refund check had been sent and the CSRs stated, the "  Compliance  Department '' was responsible for issuing checks and this department can only be reached via email. Each  CSR apologized for the delay and stated they would send an email to the " Compliance Dep artment '' asking for them to send me an update on the status of the refund check. I never received any updates.     Beginning in  XXXX    XXXX  , I demanded to speak with a supervisor. I explained the delay and my frustrations with the unresponsiveness of the  " Compliance Department. '' The supervisor ( s ) told me they would send emails to the "    Compliance Department '' marking my ticket as " High Priority. ''  They also requested updates be sent to me via email. I was told this exact same thing, at least 6 times in the month of  XXXX . My refund check has not been sent and I have never received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: MI

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I applied for a conventional mortgage to purchase a  XXXX  home  with Movement Mortgage branch located in Michigan. The loan officer has been great through the whole process, the underwriting staff - Not so much. The underwriter does not follow   XXXX   guidelines or DU findings which my credit meets all FNMA guidelines. They are making up guidelines of their own ( this is n ot underwriter discretion ).     I have a property foreclosure which was included in a bankruptcy in  XXXX ,  discharged   XXXX   XXXX .  XXXX  requires 4 years of which I am alm ost at 6.  I contacted  XXXX  directly as I am also an underwriter and have been for over 20 years. Their underwriter is trying to say since the initial lender did not take the property out of my name that I must be hit again with a tax lien foreclosure. I surrendered the property and included the mortgage,  XXXX  states that is all I could do and that as long as the 4 years have passed for the discharge, I was not responsible.     I have been going back and forth with this company f or 3 weeks now and they even ordered my appraisal and now are taking back the approval due to the tax lien foreclosure, which should not be be an issue and does not even show on my credit as they can  not show it as the lender was responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We refer to the case you have closed without anything is solved. Merrill / Bank of America did not address the real problem. Today I sent them an e-mail regarding this : Subject : Re : consumer financial protection case no XXXXXXXX XXXX From : XXXX XXXX To : ML Edge Self-Directed We do not agree with your letter ofXX/XX/XXXXin which you say, that you acted appropriate. How can it be that on XX/XX/XXXX XXXX XXXX from ML told us, that the wire room was researched extensively and on XX/XX/XXXXyou sent back the money. Does one not know what the other is doing in your banking system?? Maybe your work ethic needs to be researched. To go further with our claim we need as soon as possible from you : 1 ) the copy of the incoming wire of XX/XX/XXXX with all details 2 ) the copy of the outgoing wire which you sent back onXX/XX/XXXX With your e-mail of XX/XX/XXXX you told us, that the exchange rate on XX/XX/XXXX was XXXX - which was a determined false information from your side. You also said in this e-mail that you sent the money back on XX/XX/XXXX. In your letter of XX/XX/XXXX you said it wasXX/XX/XXXX. We need all the information in original about the exchange rates when you got the money in first place, when you sent it back and when you got it again.
Please send all this proofs within 1 week from today. Sincerely XX/XX/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 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo m aintains escrow account to pay  Flood Insurance  on my  two  mortgages. Submitted insurance bills to them on  XXXX  via Certified Mail. Called several times, was assured payments would be made. They have not paid the bills. An insurance lapse will increase each of my premiums $  XXXX  per year.

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 2017-05-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed with both  Portfolio Recovery Associates  and the credit bureaus for these accounts listed on my credit report by  Portfolio Recovery.  I requested debt validation from this company ( see attached ) and they were not able to provide me a summary of ALL account activities, nor did they prove that the statute of limitations had not expired for the accounts they are reporting. Additionally, they did not provide copies of any papers that show I agreed to pay what they say I owe that bears my original signature.     This company is a third party collection agency and is reporting that the accounts had terms of 1 month. I have NEVER did any business with this company, nor have I ever signed any contracts with them ; the reporting of this is in violation of my consumer rights ; this is inaccurate. My initial correspondence with them was a dispute. During the dispute process, they should have ceased all collection activity ; however, I received a letter from them again regarding payment. The documentation sent to my by the company ( see attached ) in no ways validate this debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: NJ

Complaint narrative:
A company call ed Vance Huffman licens e number  XXXX  called and attempted to collect on a credit card account from  2003  that was paid in full with the company   XXXX   XXXX   via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I got a car loan in   XXXX   XXXX  . I went to  XXXX   XXXX   XXXX  after a divorce and my credit was below average, so they financed me through  Santander Consumer USA. Th ey gave me a  XXXX  dollar loan for a  XXXX   XXXX   XXXX , that was only valued at  XXXX . I was in desperate times, especially as a single mother and no longer having healthy credit due to a divorce, so I purchased the car. My  XXXX   XXXX   XXXX  percent and a monthly payment of  XXXX . I had a 72 month loan. In    XXXX   XXXX   XXXX    I was noticing with my loan, that the principal was never being paid off, and that the payoff balanced was still over  XXXX . I talked to  Santander many times throughout the years and they could not  try to refinance me with a better rate or with a lower payment and it was nearly impossible to pay off the loan. with 4 years of paying the loan and technically 1 year to go, I should not have had a principal balance that high. SO in  XXXX  I went to another car dealership, got a loan and a new car and I called Santander to come and pick up that car, that could not afford to have that car. IT has hit my credit really bad after working so hard to get my credit back up after the divorce. They auctioned off the car and still say I need to pay  XXXX . This is an absurd contract and should be against the law to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Our Mortgage  Stateme  nt for   XXXX   XXXX   XXXX   h ad went up by {$620.00}. Calle d    XXXX   XXXX   to find out it was due to our escrow account the taxes portion. For  XXXX  our home was listed as an income property which made the taxes to up significantly by  XXXX . On    XXXX   XXXX   XXXX   I went to  the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on    XXXX   XXXX   XXXX  . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of  XXXX  I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of  XXXX  this issue almost 60 day 's later has still not been resolved. On    XXXX   XXXX   XXXX   I  contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated  XXXX   XXXX ,  XXXX .  Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech  regarding the over payment dated    XXXX   XXXX   XXXX  . I   gave  ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington  bank closed two accounts of mine without warning. Money being deposited into the account was not refunded in a timely manner.     When my account was closed by the bank, I was not able to receive any information as to why after repeated calls to customer service.     Accounts were closed  X/XX/17.       XXXX  is not being returned to me from my business account in a timely manor. Due to these delays I am not going to be able to pay off my credit cards prior to the due date and will be assessed fees. I have a   XXXX   XXXX   due date on  3  of my credit cards. The funds were removed from my account on   XXXX   XXXX  . The bank refused to wire me the funds to a different account.      XXXX  is not being retuned to me in a timely manner from my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ZIONS BANCORPORATION
State: PA

Complaint narrative:
This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No "  XXXX  '' card exists in my name ( I have never heard of this company before ). I have disputed this issue in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them. This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus. Their contact information is below.      ZIONS MANAGMENT SRVC C   XXXX   XXXX ,   XXXX   Bank  Credit Cards   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  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 non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A company called  XXXX   XXXX  license number  XXXX  called and attempted to collect on a credit card account from    2003  that was paid in full with the company Washington mutual via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I lost my job in   XXXX   XXXX   XXXX  . I started falling behind in my payments on   XXXX   XXXX   XXXX  . I received  XXXX  for 6 months unable to find a job. I started working as a substitute teacher in   XXXX   XXXX  . I 've been in this situation before with Chase Mortgage but went through all the steps and started making my payments again on time when I found a job. I 've never missed a payment while I was working in the 16 years that I was employed with Chase. I just found out my house was sold back to Chase on   XXXX   XXXX   XXXX   without any knowledge. I 've been working with   Chase   the whole time I was  XXXX  and then I get a letter saying I 'm in foreclosure and my house was sold. They did n't work with me like they did the first time in   XXXX   and I was unemployed longer during that time. Dealing with Chase mortgage you constantly talk to a lot of case workers. My situation is handled by many and you have to keep sending in information all the time. I want to keep my house. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: MD

Complaint narrative:
I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are requi red to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is a well known issue. H  undreds if not thousands of people were affected by the Paypal hack.
Long story short, I bought gift cards from ebay via Paypa   XXXX  digital gifts. I tried to use the gift card a few months later and the value was  XXXX . I contact ed paypal  and after months and months of fighting they finally refunded " MY ORIGINAL PAYMENT '' which was an  XXXX  gift card, voucher and coupon. HOWEVER, no one can find out how to re use the original form of payment.  XXXX  is unable to locate those gift cards and vouchers. They say that after the split from paypal they messed up their servers and can not find any old gift card numbers.     The consumer WAS NOT MADE WHOLE AGAIN b y paypal  even though they denied everything and now are refunding slowly. I still lost my entire gift card value because I am unable to re use the original form of payment.  XXXX  needs to re issue those gift cards, or paypal needs to refund the entire amount directly to us.     I have all the transaction # 's, dates, and forms of payments available upon request.     This is a huge issue and it should actually become a class action law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have received a letter in the mail and multiple phone calls from " Portfolio Recovery '' in an attempt to collect on an old debt that was discharged in Chapter XXXX bankruptcy over 2 years ago. Their organization was listed and notified in the official bankruptcy paperwork. They are one of the most aggressive and careless debt collectors I have ever dealt with. They clearly do n't even check their own records that show all my debts have been discharged, nor did they verify my credit report ( which also shows the bankruptcy ), and I suspect the original debt is past the statute of limitations anyway. Or worse -- they know all this, and are hoping to scare or pressure me into paying something I do n't owe anyway. They appear to be using at least the following numbers : XXXX ( most recent, used to contact me on X/X/2017 ) XXXX main number? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation