vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC
State: WA

Complaint narrative:
XX/XX/XXXX applied and approved for va refinance XX/XX/XXXX called broker ( XXXX XXXX ) we paid up front {$920.00} for a Va Appraisal and the {$920.00} is included in the loan..he said he would take care of it XX/XX/XXXX notary brought loan documents XXXX to be completed to close on XX/XX/XXXX ... we questioned the ALTA settlement statement as the {$920.00} for the appraisal was included in the charges ... also many pages had blank spaces, which the notary said the loan officer or escrow officer fills in later? Also the settlement statement says due to the buyer $ XXXX..closing disclosure shows to buyer {$3400.00} ... we actually received {$5600.00} ... ..those figures are no where on our loan papers. 
XXXX called and emailed broker questioning the settlement statement ... he responded to the email that he was gone for the day, and he would check out the figures tomorrow XX/XX/XXXX recent email as we had no response XX/XX/XXXX still no response called and left message and again resent the email XX/XX/XXXX sent email asking for our copy of signed loan documents to see how the blanks were filled in XX/XX/XXXX received email response telling us we were definitely getting the {$930.00} appraisal money back..and he was going to refer to his boss to check over the loan papers XX/XX/XXXX received copy of loan docs ... no blanks filled in ... no signatures on it Called and left voicemail XX/XX/XXXX received email with picture of a check for {$920.00} XX/XX/XXXX called for update on his bosses research ... As we felt the {$920.00} was in the loan cost and calculated to add to loan amount ..., we wanted it corrected and loan payment refigured ... .he told me that the hassle of doing that to save a few dollars was not worth it ... we told him {$920.00} was worth it to us.it would lower the total cost of the loan by nearly $ 1000..then he told me he was so done with this and he would have his boss call me XX/XX/XXXX sent and email to broker XXXX XXXX, telling him we had not received a call and did he really forward to his boss He responded with Yes I referred to my boss. The {$920.00} was refunded to you I responded what about correcting the loan items that were included in the total amount financed ( ieloan appraisal ). Your boss never contacted me..may I please have your bosses name, email and number His response This was a cash out loan. The {$920.00} was coming back to you regardless because it was erroneously included in the loan amount making your cash amount {$920.00} less than what it should have been. That is why {$920.00} was refunded. The loan amount was never changed in order to include. The {$920.00}, so that why the loan amount will not be changed. 
Everything is finalized and was done correctly ... .ERRONEOUSLY!!! 
He never did give me his bosses name email or number..dosent erroneously mean incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Disputed an account thats reporting on my credit report with Equifax, Account : XXXX # XXXX. Disputed on XX/XX/2019. Received a confirmation that my disputed was received and being processed. Received multiple emails after stating that the dispute was being processed, last email was XX/XX/2019. Have not received anything else from a Equifax and can not access the dispute via online any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
PNC sent a letter on XX/XX/XXXX saying that they were forgiving debt of {$58000.00} and discharging a property lien.The only obligation I had with PNC was a mortgage of XXXX and a second mortgage of XXXX that they sold to XXXX.These were both obligations that I had no personal responsibility on but were attached to my property I followed up with PNC and was told that the XXXX 2nd lien on my property would be released. 
This was never done and instead PNC sent a mortgage discharge of a mortgage that no longer existed on a property that I didnt own.I complained to PNC about this at least 11 times in writing in XXXX and filed a complaint with the CFPB.PNC discharged a mortgage that didnt exist on a property that i didnt own and said they forgave debt that i didnt owe.This was wrong and illegalYou can not " forgive '' something that is no longer owed and that is what they are taking credit for.. 
PNC was using this " debt forgiveness '' as a means to satisfy the XXXX XXXX dollar fine levied by the federal reserve on XXXXThe fine could be satisfied by forgiving legitimate debt, instead PNC tried to forgive debt that wasnt really owed and that they couldnt and wouldnt collect PNC then sent on XX/XX/XXXX a 1099C saying they forgave the above debt ( that I didnt owe and that was discharged in Bankruptcy ) .I did not owe any debt to PNC so they could not forgive it.PNC committed tax fraud and regulatory fraud by saying they forgave debt that didnt exist and using the forgiveness to satisfy their obligation to the federal Reserve ironically as a fine for unsound mortgage servicing practices. 
I am attaching debt forgiveness letter, Federal Reserve Memo on PNC fine, emails showing my repeated contact with PNC on this issue and the 1095c they recently sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for the Citi Bank credit card with XXXX XXXX. I received an immediate approval and was sent a notice of approval in the mail on XX/XX/2019. I never received my card in the mail. After getting an email from Citi Bank stating that I should have my card by now and activate it, I called them because it had not arrived. They told me that it had been sent to the wrong address and that a new card would be expedited to me by XXXX arriving in 1-2 days. On the evening of the second day I contacted Citi Bank as the card had not yet arrived. I was then told they aren't allowed to expedite cards and that they could not give me my account information to book the trip I originally got the credit card for. I was told that it would be another 7-10 days to receive my card. Waiting for this card to book my trip has already cost me over {$300.00} as everyday I put off booking, the trip becomes more expensive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
On XX/XX/2017, I attempted to upgrade my phone on the XXXX XXXX XXXX website. Unfortunately, I ordered the incorrect device. I immediately tried to CANCEL my order, but there was NO WAY to cancel your order on the XXXX XXXX XXXX website. I called them that same day, and after about 2 hours of holding, I got someone who informed me there was " no way '' to cancel the order, " it's already on the truck '' but I could refuse it when it arrived, and he would order me the XXXX XXXX right away. I refused his offer to purchase another phone. The ( wrong ) phone arrived when I was not home and was left on the front porch. ( WHERE IT COULD HAVE BEEN STOLEN ) I took it to the post office, marked " REFUSED ''. I then called XXXX XXXX XXXX every single day for two weeks to find out if they received the phone and at one point I got a guy who gave me the original tracking number and told me they had received the phone and tried to sell me another phone. Every Person I talked with was no help, and only wanted to sell me another phone, before they received the one I sent back. I also contacted them via chat to try to see what I should do. 
I spent over 15 hours of my life trying to rectify this situation and then a month later- after I had cancelled my service with XXXX XXXX XXXX because THEIR CUSTOMER SERVICE IS a JOKE, the SAME frigging phone shows up in my driveway! 

On XX/XX/XXXX, I off work early and went to the XXXX XXXX XXXX store in XXXX, Alabama on XXXX XXXX XXXX, and sat there for about 30 minutes waiting on a salesman, trying to return the phones, only to be told that store wasn't the store I needed to go to to return the phones! Well, the store I needed to go to was out of the way, and I never made it by there to return them. I meant to get by there and just never did. 

WHY DO THEY MAKE IT SO HARD TO DO THE RIGHT THING? This is infuriating. 

So now, XXXX XXXX XXXX wants me to pay for this phone and I think they SHOULD PAY ME for putting up with their XXXX. They offer no way to alter, edit or cancel an order. 

Furthermore, the " new '' phone was never set up in my name so how can I be responsible for it? Now, this is in collection and XXXX XXXX XXXX wants {$1600.00} from me. I am ready to fight them and go to court on a class action because they are shady, slithering crooks who only care about making a sale. I was a 10-year, faithful customer who NEVER MISSED A PAYMENT. NO MORE. Absolutely the bottom-of-the-barrel tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I seriously can not believe that I am writing this again. This is the THIRD time that XXXX XXXX XXXX has reported falsely to my credit report. Between XX/XX/XXXX and XX/XX/XXXX, they reported that the lease ( that I have paid in full ) is in collections! I am fed up with this company! I am going to take them to court again, because this is getting absolutely ridiculous. I do not understand how difficult it is to close this account once and for all. If I did not consistently check my credit report this derogatory remark would go unnoticed. I am FED UP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I opened an account with Bank of the West a couple of months ago. The manager of the local branch was extremely rude to me and made veiled threats to make sure my deposits weren't made available to me. Her representative cursed at me, screaming " XXXX XXXX! '' at me because I told him he was being rude to me. Later, I tried to complain to the bank and I was met with apathy and more rudeness. I was extremely irate - this isn't about a lunch order - this is about a bank employee making me feel threatened and unsafe having my money in her hands. The Executive office said they'd call me back in 3 days. They never did. Instead, they sent me a letter that called me abusive and said they did nothing wrong. Today, I tried to use the ATM at that branch and it took my card. The branch manager wouldn't even try to retrieve it and said I can't have it back until next Tuesday. Again, she was rude. I questioned whether she was denying me my card because I had complained about her. She said she didn't even remember me. I reminded her that her employee cursed at me. She then started yelling and saying it didn't happen. I yelled back that he admitted it. She then threatened to set me up for fraud and have my account closed. I did file a complaint with the bank, but, considering how they responded the last time, I doubt I'm going to get any sort of authentic response from them. This branch manager has threatened me and my account twice now. She also told me that NO MATTER WHAT, that employee that cursed at me would not be fired. I asked her why - I couldn't think of any other reason that someone would protect someone like that unless they were sleeping together. She went ballistic and now she refuses to give me my card back. I don't want this woman to have access to my account. She's threatened to set me up for a crime. I don't trust Bank of the West to do the right thing. They keep calling me, their customer names, and excusing their employees who cursed at me and threatened me. That's insanity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. 

Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Last XXXX American Express came out with their new SPG Luxury credit card. They were offering XXXX bonus points if you spent a certain amount within the first 3 months. Since I already had a regular Amex SPG card I read everything I could about if that fact disqualified me from the bonus points. Based on everything that I read, I still qualified as long as the spending amounts were obtained. In fact, on XX/XX/XXXX I received an email from American Express stating that I would get XXXX points for upgrading. 
I had logged into my Amex account and upgraded the card. I spent the required {$5000.00} within the first 5-6 weeks of having the card. After not receiving the bonus points I contacted American Express in XX/XX/XXXX. They stated that I would not get the bonus points because I did not click on the link on the email to upgrade. There was nothing anywhere that stated that the only way that I would get those points is if I went through that email link. They are refusing to give me the points as originally promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: OH

Complaint narrative:
Nations Reliable Lending XXXX XXXX XXXX office in Ohio has a XXXX XXXX insurance agent XXXX XXXX XXXXdirecting business inside the building forcing customers to go with this insurance agent or the loan is not approved all so the loan officer and owner of National Reliable lending can get a percentage of premium. Not looking out for clients best interest. Only looking for kickbacks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however XXXX and Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. Both XXXX and Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed. 

see previous XXXX complaints : XXXX - Original hack from XX/XX/2018 XXXX - New complaint with XXXX directly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 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 2019-02-16 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:
After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$3000.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed 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 2019-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SRA Associates, Inc.
State: IL

Complaint narrative:
Company by the name XXXX XXXX XXXX. Has purchased a account from XXXX XXXX  account # XXXX which is a fraudulent account that was merged with someone elses identity. I spoke with a SRA employee on XX/XX/2019 explaining fraud was involved in this account and XXXX has the FTC Fraud report and that it is illegal for them to even attempt to collect from me. SRA still pursued me Im seeking assistance from the CFPB, and FTC to help me pursue XXXX XXXX and SRA for non compliance FCRA XXXX which penalties of {$3800.00} per violation. 

Documentation attached Proof of identity, FTC fraud report, documentation of account mixed with unknown account and credit report with information on my credit report from unknown account. Illinois Attorney General report. XXXX XXXX acknowledgment of complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Student Loans service has held my wifes private student loan, however now they have sold it to a third party, but it is unclear where the loan is or what the balance is. Ive calculated that the loan was paid off over three months ago, however again, there is no way to know what the balance is of the loan. So now Im going back and forth between chase and XXXX and neither company is giving me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have been paying my student loans monthly under the IBR plan for 7 years. When I certified my loans with my employers, a new provider, XXXX XXXX, took over my account. They have only given me credit for about 2 and a half years of payments. 

When I call they tell me my file is under review, but that I have been paying for about 7 years. They claim it will take 3 months to finalize the process and correct my account. I call monthly and no progress has been made since XX/XX/2017 ( 15 months ). They give me the same line every time. I am always very courteous on the phone as are most of the customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   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 explanation