vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My fiancee and I closed our joint account with Santander Bank on XX/XX/XXXX, to move our assets to a new financial institution. On the XX/XX/XXXX, they told us all future banking would be stopped and the checking and savings accounts would be closed. However, on XX/XX/XXXX, the Santander bill pay system sent a check for {$39.00} to XXXX NJ. On XX/XX/XXXX, I received a notice stating that my account was delinquent and that the {$39.00} would be sent to collections.The payment should never have gone through because the account was closed. Santander Bank Customer Service has refused to assist me over the phone because they can not verify my account ( since I no longer have an account ). I tried to resolve the issue in person as the customer service representative recommended, I went to the XXXX XXXX XXXX XXXX, PA XXXX Branch ID : XXXX and they told me the only way to resolve this issue was to contact customer service.

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 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IN

Complaint narrative:
It states i opened an acct in 2016 and I did not currently shows that I owe {$2000.00}. They do not have license to collect or contact for debt in the State of Indiana. I want this information removed from all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off of 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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This complaint is in response to an issue I have encountered with Equifax today ( XXXX XXXX, 2017 ) : I was notified by my credit card company that my Equifax account was frozen and that they were unable to pull my report. Since I had not requested the freeze on my account, I called Equifax. After giving the representative, my name, address, social security number, my credit card names and limits, and my previous addresses, the representative verified my identity, and explained that my account was on hold because I had changed my name earlier in the year. The Equifax representative explained that the hold could be removed once I faxed a copy of my Social Security Card and Driver 's License. 
After all of the issues Equifax has had with data security, I do not feel comfortable sending photocopies of my Social Security Card and Driver 's License. I understand that Equifax already has my Social Security Number and Driver 's license number, yet they do not have photo copies the physical cards. I refused to submit this data to Equifax as I had already verbally giving them all the data necessary to validate my identity. I have also changed my name with every account that reports my credit to Equifax. 
The conversation ended with the Equifax Representative stating that my credit report will be on hold until I submit the requested photo copies. 

Here are some salient facts : Equifax 's data security can not be trusted. 
Equifax is asking for photo copies of my SS card and DL, even though I had already verified my identity with security questions and my credit card companies. 
I did not choose to have my information sent to Equifax. The credit card company utilizes their services. 
Equifax is holding my credit history hostage until I release more data to them that they can potentially lose to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I own a business that sells a product online. I use PNC Bank Merchant services.  They charge me a lot of fees to process my transactions. I found a different company that offers lower fees. Turns out I ca n't switch without paying an early termination fee. I did not know there was a fee for early termination when I signed up. Second, online transactions require what is called a " gateway ''. PNC forces me to use a gateway called Payeasy. If I do n't use Payeasy. I have to pay an exorbitant fee for every transaction that is processed. Turns out Payeasy is owned by PNC. I should be able to shop for a gateway without being penalized by PNC. They would be charging me a fee and I would be receiving nothing in return. They want to penalize me for not using their gateway company. that is not right. If this were a real estate transaction, it would be a clear violation of RESPA. I do n't think it is fair that I have to pay an early termination fee and I definetly don think it is right to charge me for using a gateway other that Payeasy. I should be able to choose who I want without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I sent a wire on Thursday XX/XX/2017 of {$3000.00} to a compay Coinbase , Inc,  located at : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX It states clearly on their website : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' Its a week later now and i havent received the money in my account. I called the comany there is always at least a 30 minute wait and they tell me they have an outage and they dont know when it will be fixed! Meanwhile my money is out of my account for a week already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied via XXXX XXXX for a Chase Freedom card. My husband had already applied, was approved immediately and received his card. We both have XXXX credit cards. A XXXX XXXX XXXX. Of which we both have our own. And a XXXX card. Which is in my name and he is only authorized user. So technically, he only has one credit card. 
My credit scores are higher than his. ( Or they were then ) I WAS DENIED. 
They gave two reasons in one place on their letter. 1. Oldest revolving account has not been opened long enough. 2. Too few accounts on file for a sufficient length of time.

Further on in their letter, they gave 4 more reasons. 1. Balances on revolving accounts are too high compared to credit limits. 2. Lack of recent installment loan information. 3. Too few accounts currently paid as agreed. 4. Too many accounts with balances. 
I have ( 2 ) credit cards. No other debt. Except rent, utilities, etc. My credit score per their letter per XXXX is XXXX. My total balance is {$280.00}. I will attach their letter albeit with my notes scribbled on it. 
My husband is XXXX. I am XXXX. And I am a woman. He was approved instantly. I was denied. Yet I have more credit for longer. More good credit. And higher credit scores. 
When XXXX exposed everyone to identity theft ( with impunity ) I froze my XXXX Credit Report. However, prior to applying for the Chase card, I had it unfrozen. Is there something going on here because of that? 
The only thing that is different is my age and my gender. 
This is discrimination pure and simple. 
Can you do anything to rectify this? 
Thanking you in advance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
States that I opened an account in 2016 and owe {$84.00}. You 're company does n't have a license to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.

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 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unlimited Progress Corp
State: IN

Complaint narrative:
Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.

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 2017-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: PA

Complaint narrative:
I was enrolled in a Private student loan with My Great Lakes. They have failed to give us relevant information regarding interest rates and repayment options and should be considered as corrupt and fraudulent actions against us. They have taken advantage of us with each payment paid and lack of customer service support. On many attempt I have called and made payments designated to a specific loan yet it was assigned to another loan instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( Transunion and XXXX ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX has been very successful and very helpful in removing the same EXACT accounts that Transunion and XXXX failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY are trying to collect money from me but I never owed them or anyone anything. I am trying to get a mortgage and they file false info om my report and I called and they could n't verify this account or give me any information that actually determine it is me or mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
did not remove these fraudulent inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX XXXX Inquiry from JXX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/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
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My mortgage is with U.S. Bank. My partner XXXX earlier this year and I provided U.S. Bank with the paperwork to effect the assumption of the mortgage into my name only. Since that time ( XXXX XXXX ), I have been unable to access my account online, creating issues with my payments and ability to monitor my mortgage. Every time I click " make a payment, '' I am presented with an error message. 

I have had literally dozens of communications with U.S. Bank, both on the phone and in writing, since first contacting them about this issue on XXXX XXXX XXXX. The problem remains unresolved. While the customer service person with whom I have contact has tried repeatedly to fix the problem, she has been stymied. U.S. Bank is blaming XXXX XXXX, allegedly the software provider for the mortgage system. I have had multiple conference calls with them, logged on through a portal so that they could capture the " handshake '' between US Bank and XXXX XXXX and the error logs. The last thing I heard, XXXX XXXX had failed to capture the logs even though we had a special meeting with them for this express purpose. XXXX XXXX has also allegedly closed the " ticket '' for my concern at least once, even though this issue is not resolved. 
I have been told that other people who had assumptions of U.S Bank mortgages have had the same issue. 

There is no ETA to getting this issue resolved. Please help.

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 2017-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had to stop working in XXXX because of an ankle injury. When I call Wells Fargo to inform them that I was suffering a financial hardship and that I would n't be able to make my first repayment I was told that I still had to pay XXXX 's payment. I also informed that woman ( I do n't remember her name ) I talked with the first time that I would be going back to school in XXXX. She said I would only be able to get an in-school forbearance. I called again today, XXXX XXXX, and spoke to XXXX, XXXX, XXXX, XXXX, and a fifth person whose name I did n't catch and informed them of my situation. XXXX transferred me to XXXX to discuss my issue with not being able to afford my payment because I only recently found a job. I was given a ten day grace period even though I informed him that I can not afford a {$250.00} payment. I was informed him that I would be going back to school in XXXX. I was then transferred to a third person ( I did n't catch his name ) to discuss my repayment options. I was then transferred to XXXX to discuss refinancing my student loan. Though I was informed that my interest rate would go up and I would still have to make monthly payments while I was in school, which I ca n't afford. I was once again transferred. This time to XXXX in customer service. After explaining my situation for the fifth time I was thanked for being part of a military family and told that even though I 'm suffering through a financial hardship and that I just recently found a job that I still have to pay {$250.00} on XXXX XXXX, which is the new due date. After explaining to each person about my current financial situation and that on their website it says that Wells Fargo can help if someone is suffering through a financial hardship by setting up short-term payment relief for up to two months as long as youve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, loan modification program which may temporarily or permanently lower payment amounts. I was still told that I had to pay for the month of XXXX but I was never given an explanation as to why I have to pay the {$250.00} even though I have been suffering through a financial hardship since XXXX and only recently found a job.

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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I closed two matured CD accounts at PNC Bank in XXXX, NC. Last week I received two checks from PNC Bank, one for {$7.00} and the other for {$6.00} with this cover note : " In the past, your account ending XXXX received a special rate offer or promotional rate. We recently became aware that you may be due one additional day 's interest because your rate expired one day earlier than disclosed. '' Two years have passed. I wanted to know the action that was taken by PNC that resulted in uncovering this error. Also, since PNC Bank had my money for two years without my consent or knowledge, at the very least they owe me two years ' interest on the money ... and if they had my money for two years, they had the money of other depositors who were similarly unaware. 

I phoned PNC Bank at XXXX and was given the same explanation as stated above. The " escalation '' agent was to get back to me with answers. I received a call earlier this week ( probably Monday, XX/XX/XXXX ) from XXXX XXXX ( unclear what her name is ) who gave me the same explanation as above. In short, a week went by and I received no answers. 

My concern in writing this complaint is that PNC Bank has withheld earned interest from CD depositors for two years. My amounts are peanuts, I know. The bigger questions are why did it take two years to learn that they had our money and why they have n't paid us interest on this money? Something 's seriously wrong here. Can you get an explanation and our interest for us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation