vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: ME

Complaint narrative:
On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting TransUnion. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at TransUnion told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my TransUnion score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

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 2017-07-12 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: ME

Complaint narrative:
On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: ME

Complaint narrative:
OnXX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I had a payment withdrawn in the amount of {$390.00} which over drafted my account. The payment was reversed and I was charged a fee of {$36.00} by PNCBank, I was also charged by a {$25.00} fee by XXXX because of the rejected payment. In my opinion I rarely overdraft my account, however, in the few times it has happened in the past PNC has always covered the transactions. <P/>I contacted PNC on XX/XX/XXXX to ask why the payment was rejected this time when they have always covered any similar transactions in the past. I was provided inconsistent and inaccurate information by the representative. The only thing consistent about the call was that I was provided a different answer each time I asked a question. As a side note the service was absolutely horrible! The agent muffled things under her breath about me like " oh man '' and then when I asked to speak with a supervisor, she told me she would connect me with her team lead and instead disconnected the call. I have now waited a full 24 hrs expecting a follow up call, but unfortunately have not received one. <P/>The agent advised me that no policy had changed and that PNC has never covered a check overdraft on my account. She even told me that even if the overdraft was less than {$50.00} that it would have been declined. I then provided dates of similar transactions that had not been rejected and her response was basically that it just depends. She would not provide any type of direct answer as to why this payment was rejected and I have no confidence that anything she told me was accurate. <P/>The main reason for my call was to know why the payment was rejected so that I know what would happen if a similar situation arose in the future. I still have no idea as to the answer. I did also ask for the fee to be reimbursed as a courtesy which did not happen. I feel {$36.00} as basically a processing fee to decline a payment is beyond excessive. This is especially true since because the payment was rejected and I was charged an additional {$25.00} by XXXX. <P/>PNC is obviously aware when someone is experiencing financial difficulty when they are overdrawn, instead of trying to assist, they charge excessive fees that makes it even more difficult for someone in an already difficult situation. <P/>I do plan on closing my account with PNC as a result of this recent experience, however, I still wanted to make the CFPB and PNCBank aware that if the agent I spoke with is the typical agent, then the call center has no idea how an over draft works, how to look up account history and how the current policy works. Additionally, I ask that they review the call from XX/XX/XXXX as the agent I spoke with at the very least needs some coaching on professionalism and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: IA

Complaint narrative:
I purchased a beach front condo on XXXX XXXX XXXX XXXX XXXX of XXXX. Replacement of Beach Front property in Florida is less than the value of the property. To replace the Condo building with six units is around 900k, my  interior would be XXXX to replace. However the ACV value of the property for a beach front condo is XXXX. I put over 50 % down and financed through XXXX. We closed on the property and XXXX sold the loan to Dovenmuehle Mort Inc. We had problem from the start which is another story since they are very hard to contact anyone with authority. The real issue now is the condo association carries the flood insurance on the unit which was underwritten and agreed when purchased with XXXX. Since Dovenmuehle purchased the loan they have been demanding I buy additional flood insurance to protect their interest, IE pay off coverage. At first they bought a policy for the balance of the loan from a Carrier called XXXX for XXXX but the Carrier cancelled coverage within one day. I am sure they recognized with a replacement cost policy on the building this was a moral hazard by the finance co. The company continues to harass me to buy a flood policy when I have already provided proof the condo carries the insurance of which my association dues partly pay.I just got a letter today, dated XXXX XXXX XXXX that they again purchased a policy for their interest and may pass the cost onto me. My HO 6 policy for replacement of the interior is would only be XXXX, when I spoke with them a month ago they wanted me to buy a policy for over 100k, that conversation took place by phone with a rep and manager. When I asked to speak to the department head I was advised she does not take phone calls. Insurance does n't work that way but they do n't seem to understand. I never chose to do business with this outfit, now they are reunderwriting the loan. Pretty sure I would have backed out of it Dovenmuehle Mortgage was the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
1. On XX/XX/XXXX, I sent a certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, disputing adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 2. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 3. Under the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), CHASE CARD was required by law to place a " notice of dispute '' comment on my account with all of the credit reporting agencies they report to within 30 days of receiving my dispute ( in this case by XX/XX/XXXX ). 4. On XX/XX/XXXX, well after the required 30 days, I pulled new credit reports from all 3 credit reporting agencies ( XXXX - Report Number : XXXX, XXXX - Order Confirmation : XXXX, Report Confirmation : XXXX, and XXXX - File Number : XXXX ), and noticed that CHASE CARD had never placed the notice of dispute comment on my account with the credit reporting agencies, as required by law. Therefore, by law, they are required to remove the adversely reported information that was in dispute. 5. On XX/XX/XXXX, I sent a new certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, notifying them of their violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), and instructed them to remove the adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late inXX/XX/XXXX, as required by law. 6. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 7. On XX/XX/XXXX, CHASE CARD responded to me and stated they " can not delete the information from my credit report because it is correct ''. 8. Whether the information is correct or not is irrelevant at this point. Since they did not mark my account as in dispute on my credit reports within the 30 days as required by law, they must delete the adverse information. 9. To date, CHASE CARD has not deleted the adverse information on my credit reports as required by law for failing to mark my account on my credit reports as being in dispute within 30 days of my notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I payed my Credit Card Balance. It did not post until 1 day after the due date. I did not realize this. The company proceeded to charge me late fees, that I was not aware of. This happened again the next month due to balance from original late fees, again not aware. Company refuses to re-credit late charges.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

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 2017-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have written 3 letters regarding Unverified accounts reporting XXXX times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

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 2017-07-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: MO

Complaint narrative:
I recently received a mailing from Commerce Bank that stated " {$300.00} cash bonus for opening a new Commerce Bank checking account, when you establish a recurring {$500.00} minimum direct deposit, with two deposits within the first 90 days. '' I opened the account within the allotted time period and followed every procedure as requested. My statements show the repeated direct deposits. <P/>Initially I had a very hard time just getting online, it took several weeks to fix a glitch in their system just so I could view my account online even though it was funded the day I opened the account. After two months or so I asked when the deposit would be made, they said after the account had been opened for 90 days. During this time period I had a hard time logging in so I called the online banking and asked what the problem was. They said that since I had written a check for all the funds in the account to another bank they had closed the account but it was automatically reopened on my next direct deposit. I asked the customer service representative why they never told me that they would close an account when a balance reached XXXX. I have had accounts at dozens of separate banks over the years and never had any of them close an account because of a XXXX balance and that I should have been informed of such a policy. I also asked if it would affect the bonus I was promised and the individual said no, it would not affect the bonus and I would still receive it. I called back again in XXXX and was told that I would be paid in during the third week in XXXX. I called after the third week in XXXX and was told it would be after the end of XXXX. Still there was no {$300.00} bonus. I called the bank branch I opened the account with directly again in XXXX and the lady I spoke with said she would research why there was a problem and contact me again. She called me back and said they input the bonus code wrong when I originally opened the account but said they had fixed the problem and I would see my bonus within a week. I received a phone call today, XXXX XXXX and was told there was no bonus because the account balance had gone to XXXX at some point. I stated that this was never a requirement, the only thing was that there be {$500.00} or more in monthly direct deposits. I asked to speak to a manger but was told he was busy and he would call me back. I waited all day and never received a phone call. <P/>Dealing with this bank has been a nightmare, all I want is what they promised me, the {$300.00} bonus.

Company response to consumer: Closed with monetary relief