vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
My house burned down In XX/XX/XXXX. I have US Bank as my mortgage company. I have submitted my insurance check to them and have completed all of the steps under step 1 and 2. After I completed step 1 ( I will upload all paperwork US bank has  sent me ) I was denied the first release of my 33 percent check to pay my contractor because they said I need blue prints and I would not get my check until blue prints were given to them and they were approved. No where in the paper work does it say I need blue prints. I uploaded and faxed what I had from my contractor and filed a complaint. I called US bank property loss division the next day and my first check was released. My check was sent to me. I now have completed step 2 and waited the 5 business days like I was told. I called today XX/XX/XXXX. The first person told me what I had originally uploaded wasn't sufficient and they were denying me my second check. I was put on hold and hung up on. I called back. The second person told me the same thing and said we need " more measurements. '' No where on their paper work does it say I need " more measurements '' to get my second check. I was disconnected from that call as well. Neither the first or second property loss customer service agents called me back. I called a third time. That customer service agent informed me my paperwork was just general paperwork and they do not have total loss paperwork and that it doesn't matter if I completed all the steps on the only paper work US Bank has provided me and that they will not release my second check so I can pay my contractor for my house being 50 % complete.

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 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have contacted Santander bank which is who is financing the car for about 6 years in regards the interest rate and their statement that does not make sense. The payments that were made never showed where it was applied, when asked about the interest rate and how was applied was never answer we were put on hold and disconnected. We were blocked from the online account after statement info were obtain, which showed that the amount never went down, when asked were the money was going supposedly it was applied on the interest which is 22 % but why it is not broken down on the statement, why the actual amount after interest is not showing on the statement. I told them that the 22 % is not lawful in my state their answer was its not up to them. When finally spoke to a supervisor she said off the record fight cause they are taking your money. We have paid a total of {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to link the XXXX  application and called pnc bank. Pnc bank is stating that since they sent me a code via text that its not their error. The pnc agent gave me a number to call and a automated message comes on about XXXX  stating to go to the XXXX  application follow some steps but the issue has nothing to do with XXXX. Also the after the automated system gives you the information about XXXX  it hangs up. The issues has not been resolved. I need to be able to link my XXXX  application to pnc and so far its not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove these three fraudulent student loan accounts. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the accounts in question belong to me. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, never had college loans, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by the creditor US DEPT EDU in respondence to my disputes with their own verification departments, and the creditor deemed activities were fraudulent and unverifiable, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove this creditor from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX on a telephonic conversation with the customer service department at Sun Trust Bank , I was informed that my business checking account was closed due to unknown reasons and that for more information about this action, I needed to read the account disclosure pamphlet provided, at the time of opening the account, to find out about the legalities of closing of a business checking account by the bank. 

OnXX/XX/2020 I approached the Sun Trust Bank assistant manager XXXX XXXX to inquire about the banks decision regarding the closing of my business account at which he disclosed that the bank had made the decision to close my business account without any notifications and that the reason for closing the account was for a deposited check not clearing the account. 


I asked the Bank Manager as to when would my funds in the account {$3300.00} be available for withdrawal, at which he claimed that it would take 2 weeks for the bank to complete the closing process and a check would be mailed out to my attention approximately XX/XX/2020 After two weeks passed and no check was received, I approached XXXX XXXX again and informed him that no check had been received, at which he informed me that I should be receiving the check by 2nd week of XXXX and that was the best he could do, at that point I explained and expressed the hardship that my XXXX  and my family was facing due to the withholding of these XXXX  funds, however he couldnt help. 

From the time Sun Trust AKA Truist Financial decided to close my business account and withhold my funds {$3300.00}, to date I have not received any check nor any legal disclosure from these financial institutions regarding the action they took to close my business account and reasoning to withhold my funds {$3300.00} or a possible refund date. 

This action of closing my Business account and withholding of funds {$3300.00} by the Sun Trust Bank AKA Trusit Bank has caused devastating circumstancing not only for my XXXX  but also to my family. I had to close one of my XXXX, letting go XXXX XXXX, for the lack of operating capital and have had to seek help from federal and state agencies to feed my family. This frivolous action by Sun Trust bank AKA Trusit Financial is not only unwarranted but also in humane specially at a time of a pandemic crisis, where every agency in the United States of America is trying to help every being, stay alive and financially afloat.

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 2020-04-27 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I keep getting told that I have to talk to corporate. Corporate customer service is terrible. I was supposed to be contacted in seven to ten banking days and its been over twenty five days still no contact. They are saying that I owe them money and I say that the statute of limitations is over eight years. They stated I made a payment in 2005, which I never did. The bank had a class action lawsuit that paid me {$160.00}. They are ruining my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal limited my account for insufficient reasons. I sold three items this month on XXXX and the only payment option is Paypal. I received payments from buyers  and can not touch the funds because of an account limitation that is baseless and unfounded. To " lift '' the limitation, Paypal asked me to verify my identify using four different methods. I completed three out of four, the fourth one is impossible to complete on my end and has zero to do with proving one 's identity. They insist I jump through impossible hoops to get my money, which is an insignificant amount to begin with! These are hard times, and I sold personal assets to make some spare change and Paypal is holding it, why? I appreciate any help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
This is in regards to the credit report I pulled on XX/XX/2020, I see at least 1 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc has updated and is not letting me utilize the company, XXXX, to deposit and invest funds with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is personally pursuing a credit card debt owed by a XXXX XXXX, that I'm a XXXX  of. Company is going through difficult times and now with the Coronavirus pandemic, is not functioning at all, like all similar companies, making payments on any debts, impossible. 

I personally, for over a month now, am displaced from my place of residence due to the virus and the fact that my wife is a XXXX XXXX XXXX, dealing with XXXX XXXX on a daily basis. 

American Express has been harassing me with phone calls despite me asking them to send me all information on an email, so I could go over the options and review the situation. Where I am currently, cell service is limited and I can only make phone calls when I'm going to get groceries which I communicated to AMEX on one of my trips to the grocery store, via voicemail. I can't access my mailbox being many, many miles away and with my cellphone service being completely unreliable, email is the only way I can review and respond to any claims. 

Furthermore, AMEX has been harrassing my wife with phone calls recently, and caused emotional stress to her in these difficult times when she's already emotionally stressed with the work and with not seeing her children and husband for over a month. 

Last Saturday, XX/XX/XXXX, AMEX has destroyed my credit score,  bringing it down to 500 points by reporting the company debt to my personal credit. 

AMEX has done all these things without attempting to settle the debt on company 's assets. Company has various assets that could have been used to satisfy the debt, at least partially. Furthermore, I never received an email summary of what is happening and what is planned and I never received a proof that I'm personally liable for the credit card debt that is owed by the company 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America did a hard inquiry on me and reported to Credit Bureau on XX/XX/XXXX, I never applied for anything with Bank of America, similar issue last year XX/XX/XXXX. I have called several times and went to a local branch, received conflicting answers. I want the Bank to verify this and NEVER do a hard inquiry on my record without my permission.

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 2020-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: PA

Complaint narrative:
Re : Covid-19 Forbearance due to Covid related loss of income I spoke to a Key Branch manager about forbearance in early XXXX ( Date? ) and was sent out a packet. I then called the mortgage department and was told NOT to fill out a packet, and to wait for a call back from Loss Mitigation. 
After several weeks, and no call-back came, I contacted a Key representative on XX/XX/XXXX @ XXXX XXXX  and spoke with an agent who Transferred me to the loss mitigation department. The gentleman who answered explained that no payments would be due for 90 days and that after that period I was to call in and a streamline process would take place, where we would be eligible to add the payments to the end of the loan. He also explained that he was the head of the loss mitigation department ( i did not get his name ) and we spoke for over 20   minutes about my fears that 4 months of payments would become due at the end of the forbearance. I am not working due to stay-at-home mandate in Pennsylvania and said we would NOT be able to come up, win 4 months. He assured me not to worry, and that as of now no other paperwork is required. 

Today we received paperwork in the mail to fill out ... I called and was told by an agent in loss mitigation ( XX/XX/XXXX ) that all payments ARE due at the end and that what was explained to me on XX/XX/XXXX is Incorrect. 

I would like to speak to the person who I spoke to on XX/XX/XXXX to confirm and get clarity. 

We are scared to death now that Key will be attempting to take the home weve been in for 17 years. 

I was very cautious and clear when going into this forbearance situation that we would not be able to come up with 4 months of payments at once, and I was assured on XX/XX/XXXX that that would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: GA

Complaint narrative:
I have a title loan. During Georgias stay at home order, the company reduced days of opening to knit 3 days. They then refused to come up with alternate payment that would be safer during the COVID. The only way you can make a payment is with cash and in the store. I explained repeatedly that I had a daughter with a XXXX XXXX and I did not want her subjected to the virus and would not touch money or come in their store. I offered to pay with debit over the phone which they refused. Now they want me to refinance and sign a new contract with daily late fees which I refuse to do. I want to pay this loan off which I have paid off three times over at this point. These companies pray on people and steal from them. It is legal theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Name and address are not updated nor correct in 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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America fraudulently took {$6900.00} three times from my checking account. I paid of the balance of {$6900.00} on XX/XX/XXXX on XX/XX/XXXX XXXX they took out the {$6900.00} again, then again on XX/XX/XXXX. 
Confronted with their mistake they told me they would replace the funds on 3 to 5 business days. 
This cause more over drafts and fees.

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 2020-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Numerous ongoing unauthorized charges from XXXX XXXX and XXXX XXXX. I have sent 4 letters to Capital One, they reverse the charges, but then it appears on the next bill as a " transaction rebill ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I received my checking account statement from BMO Harris Bank and noticed my account had a XXXX balance and that BMO Harris had assessed a " Service Charge '' of {$1.00} and upon reviewing previous statements discovered that they had recently assessed maintenance fees depleting the account of its nominal balance. I called BMO Harris on XX/XX/XXXX and the first person I spoke with said they had changed the terms of my account and that now I would be assessed a service fee but if I chose a different kind of checking account she would credit all of the service fees back to that account. When she tried doing this, she discovered that BMO Harris had unilaterally closed the above referenced checking account and  that because it was closed she could not credit back the money BMO had wrongly taken from my account ( despite her willingness to do so but for the account being closed ). She then transferred me to " XXXX '' who told me that there was no way to get my money back. When I asked him for the names and addresses of BMO Harris ' regulators he said that he did not have that information to give out. He also said that there was no one for me to talk to about getting my money back. The first representative did tell me that my XX/XX/XXXX bank statement disclosed that BMO would start charging fees ; however, in describing the new checking account she was going to try to get me in, she said the new account did not have " hidden fees '' or " hidden terms '', thus acknowleding that BMO Harris did in fact hide the fees that they were going to start assessing the account they subsequently closed after they drained the money out of 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 explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/2020, I tried to link my PNC bank account to XXXX so I can do online trading for personal investments. I was denied. Not sure why. Its my money and I would like to do what I want with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: ERC
State: MI

Complaint narrative:
Enhanced recovery Is reporting TWO accounts that have expired due to the Statute of limitations of 7 years, Fraudulently saying one became delinquent in XXXX and another in XXXX. 

The information obtained are from my credit report as they have made NO attempt at communication, including a debt verification. Nor have they responded to my Debt verification request. 

The accounts are XXXX XXXX XXXX  : XXXX Both accounts are from XXXX ( first delinquency ) They have indeed received the Verification request as they just again updated the status to owed and due as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I was made aware that Pnc Bank had placed a hold on my checking account for {$5000.00}. This was a request by an attorney 's office due to a judgement. Unfortunately, this made my account negative over {$4000.00}. I have been off work and was tested on XX/XX/20 for the covid-19 virus so having this hold on my account is very stressful at this time. I have made arrangements with the attorneys office for a settlement of {$1000.00} to come out and the remaining to be released immediately. This was faxed to Pnc Bank on XX/XX/20 but the hold is still on my account. I'm requesting help to get this hold removed immediately. I'm also requesting information as to if this was legal to place a hold during this time of pandemic in our country. As you can imagine, this has made it even much more difficult to care for my family. It has also cause a great deal of additional stress for me and my family while I wait for the results of my testing. If you can please help me in anyway, I would greatly appreciate it. 
Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation