vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's  business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy  until her lips fell off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA
State: PA

Complaint narrative:
On XX/XX/2018 XXXX XXXX contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from Yamaha was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.

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 2018-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I got a loan back in 2012 that was for a total of {$66000.00} for XXXX ( XXXX XXXX XXXX ) in California to get my pilots license. It was broken down into 3 different loans. Once I finished my training I was told by Navient that I would be eligible for a rate reduction program to have lower payments. They asked for my financial statements yearly. My rate went from 3.3 % to 10 %. I have not missed a payment bec they required to be auto withdrawals. My payments are now very high and I still owe more than what my loan was originally for. What can I do to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Co-signed a auto loan for son with Midwest Acceptance the car was stolen in XX/XX/2015.  Insurance paid them off but they report it as a charge off when it wasnt. I contacted them to discuss this and they were rude and verbally mean.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I went to Huntington Bank Branch to Deposit {$200.00} cash and cash a check for {$9.00} or {$9.00}, The teller was ok with depositing my cash that was much greater than the check but ask for ID to cash the very small check because I was XXXX XXXX. He never ask the XXXX person for ID. I did file discrimination with Ohio Civil Rights. They are looking into that matter. However, my concern is that HUNTINGTON BANK went into my bank account without my authorization or being present for their selfish reason to see if I took that check and cash to another branch. They called that branch and inquired with all there about me and only one employee actually knew me and my name. They denied me service because I was treated different. 
I experienced different treatment before with XXXX XXXX /XXXX at same bank and the upper management never contacted me after I complained

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I set up 4 accounts for my children, 2 youth savings and 2 youth spending. I transferred funds from the same bank into the new accounts. I have only had access to one youth spending and 1 youth savings. No statements were provided online or USPS. The original transfers took place on XX/XX/2017. I have spent over 40 hours on the phone with the banking institution and they still have not resolved the matter. We are missing a total amount of {$950.00}. Over the last year of numerous phone calls the bank has informed me that the money that was transferred has been spent and the account is now closed. I have a claim number and proof of transfers. Per federal guidelines I am understanding that some type of statement needs to be delivered and or I need to have access to a minors account which I have not. The banking establishment is USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: CA

Complaint narrative:
I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX  XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the XXXX and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.

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 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
XX/XX/2018 Notified Union Bank about fraudulent activity over the phone. They put a stop in all outgoing transactions. Said that they have filed a claim which they didnt. Advised to visit a banking center to open a new account and close the one with fraudulent activity. 
XX/XX/2018 Opened new account and closed old one. No advise on claim for fraudulent charges was provided. 
XX/XX/2018 Called phone customer service only to realize no claim was opened. 
XX/XX/2018 Back and forth between phone cust service and XXXX XXXX Branch office. Manager advised writing a letter with information about fraudulent transactions which was done and she promised to follow up. 
XX/XX/2018 Email confirming that they sent the claim to the right department and they received it. 
XX/XX/2018 Called phone customer service to ask about claim. They say there is no claim filed as yet. 
There is no clear correspondence that claim is open, so decided to engage CFPB for assistance as we have lost {$8100.00} which is huge hard earned 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 2018-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/18 - was unable to start social security online account. Called Social Sec and they said they used Equifax and my address on my Social Security online account. 

I called Equifax and my street address is correct but there is an apartment number that even when I lived in an apartment years ago has NEVER been an apartment number for me. I asked them to correct it - they ave all of this info about me and NONE of my accounts have this apartment number, but they told me that it was MY responsibility to send in a great deal of documentation to prove they were wrong. AIN'T GON NA HAPPEN! If they make a mistake and I pass security surely to XXXX they can send my account to 'research ' or 'verification ' to check for errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times. 

I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud  department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank closed my account without any prior warning. They refused to give any disclosure as to why the account was closed. I have been with them for 5 years with no other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
My wife contacted CashCall via the internet. We were having a severe cash flow issue. We have a small business in the mountains above XXXX XXXX. She was not given any information on the percentage of the loan which we recently found out was 98 %. I was under the belief that we would be finished paying the loan by this XXXX. Was I wrong we are still paying the minimum which is over 600 a month for an XXXX dollar loan. Looks like we have about 10 years left. I think that this is usury and should not be legal. We already have paid over the premium and are wondering what we can do next.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: IL

Complaint narrative:
I can not remember how I heard about XXXX. I applied for a {$3900.00} loan back in XX/XX/2017 not realizing until the other day just how much the interest rate and finance charges I am paying to them. I borrowed {$3900.00} and the total amount I will have paid back is {$12000.00}. I was in total shock. I am paying {$150.00} per pay period. I know in ignorance I did this to myself but is there a law against someone charging 98.23 % annual percentage rate. This is such an awful rip off. Please advise if there is anything that can be done about this.

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 2018-10-17 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: CA

Complaint narrative:
Experian XXXX XXXX there has been no response from them sense I started disputing this 6 months ago .I have sent you Evidence that XXXX XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014enclosed is incoming and out going responses to this matter it is clearly visible that XXXX  XXXX refuse to respond and there is no evidence it was made by me.You Experian Keep claiming it has been up dated with the old information and you have not did an investigation as you claim has been done.You state if its not verified it is removed this is the EVIDENCE ENCLOSED ITS NOT MY ACCOUNT I never made it and it was fraud.Under the FCRA this should of been removed a long time ago. Please remove it Please do not send me one of your templet letters I want real investigation not old informtion thrown back at me.

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 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
Initiated a Western Union money transfer to a friend in XXXX on XX/XX/2018 for {$180.00}. Shortly thereafter I received a request via email for numerous pieces of ID for the recipient before the money would be released from the hold placed on the transfer by Western Union. 
The recipient went to their nearest Western Union Office but was unable by showing their ID to get the funds. 
So I went to my local XXXX XXXX  and had them initiate another transfer through Western Union. For this second transfer the recipient was able with his ID to go to the local  Western Union office and obtain the funds. 
I am now trying to cancel the first transfer and have my funds minus any fees returned to the bank account from which the funds were withdrawn, Western Union is demanding that I supply the ID of the recipient before they will return my money. It is an unreasonable demand and I do not have access to the information they are requesting. 
I have already sent a copy of My WA State Driver 's License to XXXX as requested by thier customer service personnel. Just moments ago I received an email from Western Union informing me that they needed the recipient 's current address and city of birth plus a front and back copy of agovernment issued ID. This is a scam to hold onto and use my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/XXXX I paid my mortgage of XXXX through my bank. Freedom Mortgage reported it late on XX/XX/XXXX. My mortgage would of been late XX/XX/XXXX however they received my payment before then. They stated they couldnt help me and I would have to contact the Credit bureau. Freedom mortgage also stated they tried to call me to notify me of what they were doing. However they had the wrong number on file. I have never been late on a payment, ever.

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